The development of financial technologies touches on cross-sectoral and interregional problems, national security, and the integrity of the State, indicating that the new solutions are increasingly showing signs of not just a means of settlement, but also have the signs of a new management category of technological content that affects all aspects of life.

The importance of this study stems from the need for a holistic strategic vision of the transformation ways of financial technologies, which requires an appropriate research methodology based on the comparative analysis of trends in their development. The article presents an original methodological approach to the study of the development processes of financial technologies and the results of the review of their trends at the global and national level. The intention of the article was to summarise a variety of processes taking place and to develop recommendations on a governmental approach to the evaluation of the situation in order to justify regulatory measures. The article asserts that the idea of financial technologies as a service provided using innovative solutions narrows and simplifies the significance of ongoing processes. The methodology of the conducted study is based on the managerial view of the fintech's substance, which allows us to move on from considering it a financial revolution to the evolutionary model of its development that goes together with the development of state policies in most countries.

The hypothesis was that financial technology, being a synthesis of finance and technology, requires appropriate public regulation methods that complement sectoral management approaches with coordinated cross-sectoral and international development paths that take convergence into account.