This study explores the evolving relationship between traditional banking systems and emerging financial technologies (FinTech). As digital disruption accelerates, banks are compelled to integrate innovative tools such as blockchain, AI, robo-advisory, and mobile platforms to remain competitive and enhance operational efficiency. The research investigates how these technologies are transforming banking functions, improving customer experience, and influencing financial inclusion. It also examines the challenges posed by cybersecurity risks, regulatory gaps, and technological incompatibility. Using a multidisciplinary theoretical framework, the study evaluates the strategic responses of banks, the role of consumer behaviour, and the implications for long-term sustainability in the global financial ecosystem..
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