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.

41 the stability of the financial system. Legal gaps can often vary from country to country, depending on the legislayive framework and legal regulations of a given country. Clients' financial literacy and awareness of how to use this knowledge are also important. Choosing ways to solve previous problems leads to another important problem: the difficulty of integrating new technologies. The introduction of fintech technologies into the banking system is not limited to using the latest solutions, but also requires their integration with existing banking platforms, reducing conflicts and obstacles. The challenges of implementing fintech technologies in banks lead to a number of difficulties and challenges that need to be overcome in order to ensure the effective and safe use of innovative technologies. Finally, without developing and implementing a fresh and effective strategy, banks may not achieve their goals for the large-scale implementation of fintech technologies. REFERENCES: 1. D ․ L. Shrier, A ․ Pentland ―Global Fintech ․ Financial Innovation in the Connected World‖ // The MIT Press, London 2022, p. 91. 2. Fintech and Innovations, Basel committee, https://www.bis.org/topic/fintech.htm 3. E ․ Feyen, H ․ Natarajan, M ․ Saal ―Fintech and The Future of Finance‖ // The World Bank Group, Washington 2023, p. 13. 4. C. Skinner ―Digital Ban. Strategies to Launch or Become a Digital Bank‖ // Marshall Cavendish Business, Singapore 2014, p. 13. 5. D ․ L. Shrier, A ․ Pentland ―Global Fintech ․ Financial Innovation in the Connected World‖ // The MIT Press, London 2022. 6. Compiled based on the Central Bank's report on payment cards issued by banks in the Republic of Armenia for 2020-2024. 7. The calculations were made based on the Central Bank's report on payment cards issued by Armenian banks in 2020-2024.