Proceedings of the International scientific and practical conference ―Synergy of Modern Science and Education‖ (February 2-4, 2026) / Publisher website: www.naukainfo.com. – New York, USA, 2026. - 324 p.

34 ECONOMIC THEORY, MACRO- AND REGIONAL ECONOMY UDC 336:004 Karapetyan Tsovinar Jivanovna Candidate of Economics, Associate Professor, Armenian State University of Economics, Yerevan Muradyan Arpenik Gaykovna Candidate of Economics, Associate Professor, ZUNU Yerevan Educational and Scientific Institute, Yerevan Yeranosyan Vanine Ashotovna Candidate of Economics, Associate Professor, Armenian State University of Economics, Yerevan SOME PROCESSES OF INNOVATIVE DEVELOPMENT OF THE FINANCIAL SECTOR Abstract. The article presents Financial Innovation Technologies as the main tools that are changing and improving the banking sector. The information details the changes in financial and banking operations that are rapidly responding to changes in the sector, which has had a great impact, especially in the banking sector, where financial innovation technologies have become key factors for improving and modernizing business processes. Keywords: Financial innovation, fintech, automated system, digital cards, financial instruments.