摘要：This article examines the global financial services industry, which is currently undergoing large– scale changes due to regulations, as well as the constant supply of digital innovations and new competitors that enter the market with them. In particular, online platforms that set standards for interaction and new rules are becoming increasingly important. As Bank customers are also increasingly versed in digital technologies. Digital technologies are causing fundamental changes in the financial industry. Consequently, financial institutions change and respond to legal requirements and market opportunities, as well as support innovation, efficiency, customer loyalty, and decision– making. Methods: The research was conducted using the following methods –General scientific dialectical method of cognition, which was chosen for the purpose of determining the essence of financial intermediation in General and determining its impact on economic development; a systematic approach, since the global financial industry is a set of interrelated and interdependent elements, i.e. it has signs of consistency; comparative legal approach, which is the main and necessary in this study for the purpose of identifying common elements of financial services. Banks are an institution that acts as a financial intermediary in a country's economic relations. On the one hand, they accept deposits and attract depositors ' funds, and on the other hand, they provide an opportunity to borrow money at a specific percentage to other individuals (organizations, households, etc.). Therefore, it is safe to say that banks are also part of the credit system. Thanks to the rapid growth of mobile and web applications, a huge number of customers now want to access banking services via their personal computer, smartphone or tablet. In today's fast– paced "right now" economy, customers expect instant, integrated, and seamless user experience. Suppliers who don't deliver goods here are immediately left behind. Banks that deal with the topic of new applications often find that they need to pay as much attention to data management during implementation as to artificial intelligence itself. In most companies, data was recorded (and is recorded) in a completely unstructured way. In banking, customer information is often distributed across multiple accounts and, consequently, across multiple «dispar». Thus, the purpose of the financial market and financial intermediation is profitable transactions for sellers and buyers (investors and issuers) using a rational and optimal mechanism for buying and selling a special product – money and capital – using specific financial instruments (securities). The financial market as a specially organized process for the transfer of capital and money from entities that have their surplus to entities that need additional financing through the use of special financial instruments– securities. Fintech companies and cybersecurity issues have been on the minds of regulators lately. Financial technologies are defined as technologically enabled innovations in financial services that can lead to new business models, applications, processes, or products that affect financial markets, institutions, and the provision of financial services. Fintech covers a large number of technologies (cryptography, cloud computing, data Analytics, etc.), products and services. However, a specific current problem for banking regulators is the outsourcing of functions and processes to organizations that are not.
