Abstract: Fin-tech are accelerators of innovation in the banking system. They can improve efficiency, create new products and services, enable new business models, and blur the boundaries between industries. Digitization offers new opportunities for banks to put the customer at the center of the development process. New technologies remain and survive in the market to disrupt the value chain of retail financial services, as well as to introduce new players into the competitive arena. But a large number of banks stand far from the necessary scale of modern technologies.