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In recent decades, there has been a radical transformation of the banking sectors. The development and implementation of data analysis, machine learning, artificial intelligence, digital platforms, mobile applications, and blockchain are giving rise to a new area - financial technology, or fintech. In this regard, there is a need for new specialists with special skills, which affects career change in this area. Under the influence of fintech, new specialties are being formed in the financial industry, such as app developer, machine learning engineer, IT security analyst, product manager, data architect, quantitative analyst, data scientist, project managers, analysts, researchers, UX editor, UI designer and others. These changes require training and retraining of specialists to work in the fintech industry. At the same time, fintech poses a new challenge for banks in the field of data security and protection against cybercrimes. You need to develop and improve systems that restrict access to confidential information and provide reliable protection against hackers and viruses. This, in turn, requires increased financial and technological literacy and, accordingly, changes in training, education, and careers. The study is devoted to analyzing the supply and demand of specialists in the field of fintech, assessing the compliance of training specialists in this field in higher educational institutions, and identifying the advantages and disadvantages in the career advancement of new financial specialists. The aim of the study is to analyze the change and career prospects in the banking sector of Latvia, due to the rapid development of financial technologies and the development of proposals to strengthen the relationship between educational institutions and employers in the banking sector. The study is based on primary and secondary data. Research methods are survey, focus group, comparative analysis and trend analysis. The results of the study can be used by employers in the financial sector and educational institutions involved in the training of new financial professionals working in the field of fintech.

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Challenges and New Career Opportunities in the Banking Sector in the Digital Age

  • 会议论文

  • 发表日期：

    2026年

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  • Natalia Konovalova,
  • Svetlana Saksonova,
  • Aina Čaplinska,
  • Alina Danileviča

摘要

In recent decades, there has been a radical transformation of the banking sectors. The development and implementation of data analysis, machine learning, artificial intelligence, digital platforms, mobile applications, and blockchain are giving rise to a new area - financial technology, or fintech. In this regard, there is a need for new specialists with special skills, which affects career change in this area. Under the influence of fintech, new specialties are being formed in the financial industry, such as app developer, machine learning engineer, IT security analyst, product manager, data architect, quantitative analyst, data scientist, project managers, analysts, researchers, UX editor, UI designer and others. These changes require training and retraining of specialists to work in the fintech industry. At the same time, fintech poses a new challenge for banks in the field of data security and protection against cybercrimes. You need to develop and improve systems that restrict access to confidential information and provide reliable protection against hackers and viruses. This, in turn, requires increased financial and technological literacy and, accordingly, changes in training, education, and careers. The study is devoted to analyzing the supply and demand of specialists in the field of fintech, assessing the compliance of training specialists in this field in higher educational institutions, and identifying the advantages and disadvantages in the career advancement of new financial specialists. The aim of the study is to analyze the change and career prospects in the banking sector of Latvia, due to the rapid development of financial technologies and the development of proposals to strengthen the relationship between educational institutions and employers in the banking sector. The study is based on primary and secondary data. Research methods are survey, focus group, comparative analysis and trend analysis. The results of the study can be used by employers in the financial sector and educational institutions involved in the training of new financial professionals working in the field of fintech.