Abstract :Changing consumer expectations and needs, technological advances (digitization), inves- tor interest, and the need to deal with global competition together with the competition in the local market, plays a major role in the development of financial technologies. The provision of financial services in a more efficient and productive way is possible with “fi- nancial technologies which provides digital transformation in financial services”. Big data, data analytics, artificial intelligence, expert advisors, encryption, machine learning, etc. are the new areas of development that are more prominent in financial services. In addition to important financial centers such as the United States, the United Kingdom, many other countries in Asia, are positioning itself as a fintech region. However, the developments in technology are bringing increased advantages over traditional financial models in the financial sector, together with new opportunities for financial crime and the risk of deteri- oration of the stability of existing mechanisms that provide monetary policy and stability. For this reason, two main objectives have been identified in the study. The first is to analyze what new technologies and application areas may be for the development of the financial sector. The second is to discuss how the public, regulatory authority and central bank can make financial technology more useful in terms of investors and the financial sector in practice. In line with these two objectives, the study presents policy proposals to encoura- ge good practices in the field of financial technologies and to prevent malicious practices using successful and unsuccessful examples of countries and models. Keywords : Financial Services, Digital Transformation, Financial Technologies (Fintech), Large Data, Artificial Intelligence, Expert Advisors, Distributed Recording
