Abstract
The article aims to study the impact of financial technologies on enterprises' strategic management systems. The study analyses the impact of financial technologies on strategic management in the modern business environment. It has been determined that fintech solutions provide enterprises with competitive advantages through fast and accurate analysis of financial data, which contributes to making informed decisions in real-time. A study of the possibilities of automated decision-making processes and identifying new vectors of development, risks, and trends is carried out, and the directions for optimizing budgeting and forecasting are outlined. It is presented that fintech tools are becoming an integral part of enterprises' financial operations, providing online invoicing, inventory management, cost tracking, etc. The use of fintech tools promotes the application of data analytics at all levels of management, strengthening cooperation and coordination between business units, which affects strategic decision-making. The scientific novelty lies in identifying the positive impact of financial technologies on financial asset management, diversification of investment portfolios, and ensuring competitiveness in the digital economy. The possibilities of increasing efficiency and effectiveness through integrating financial technologies and introducing innovative financial models are considered. The practical value of the study lies in identifying specific business benefits, particularly in optimizing operations, reducing costs, and improving customer experience. The need to invest in fintech tools to ensure effective data collection, analysis, and dissemination at all enterprise strategic management levels is identified. The authors' recommendations are aimed at the continuous adaptation and development of business in a rapidly changing financial environment and ensuring the effective functioning of business in conditions of uncertainty. Keywords: financial technologies, fintech, strategic management, data analytics, innovation, competitive development.
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