WAYS TO REDUCE BANK OPERATIONAL COSTS THROUGH FINTECH SOLUTIONS

Abstract

This thesis examines the role of FinTech solutions in reducing operational costs in commercial banks. The study analyzes how technologies such as automation, artificial intelligence, cloud computing, and digital platforms transform traditional banking operations and improve cost efficiency. The findings indicate that FinTech-driven process optimization leads to sustainable reductions in labor, administrative, and infrastructure-related expenses while enhancing service quality and operational resilience. The results highlight that FinTech adoption should be viewed as a strategic approach to cost management rather than a short-term cost-cutting measure.