The relevance of the research topic is due to the fact that a significant number of researchers consider the relationship between banks and fintech companies through the prism of confrontation and the "future" victory of fintech companies over banks. However. as practice shows. digitalization has caused a deep transformation of the banks themselves. https://www.spidertattooz.com/CND-Shellac-Shade-Sense-Spring-2023-Collection-0-25-oz-p13246/