o:8689 Blockchainas a Driverof Innovation in the Fintech Industry and Modern Financial Markets en This paper aims toanalyzethe roleof blockchaintechnology inthe transformationofthefinancialsector,withparticularemphasisonitsapplication withinFinTechsolutionsand itspotentialtodrivestructuralchangesinfinancial markets. Over the past decade, FinTech has experienced rapid growth, significantly reshaping traditional financial services through digital innovation. This evolution is characterizedby the integration of technologies that enable novel forms of access to financial products and services, including online banking, mobile payments, and digital lending platforms. Concurrently,there has been a pronounced increase in investment in technological innovations within the financial sector, reflecting a high level of market and institutional interest in FinTech solutions. Within this ongoing digital transformation, blockchaintechnologystandsoutasadisruptiveinfrastructurewiththecapacity toredefineoperational,security,andregulatory frameworksofcurrentfinancial systems. Its core attributes: decentralization, immutability of records, and transparency, facilitate accelerated transaction processing, reduction of transactioncosts,eliminationofintermediaries,andenhancedsecurityof financial operations. Special attention in the analysis of modern FinTech innovations is given to smart contracts and decentralized finance (DeFi). FinTech,blockchain,financialmarkets,innovation. 1552099 DOI:10.5937/industrija53-61219 2025-12-11T11:15:08.632Z 44 no 46 Maja Dimić Faculty for business studies and law 46 Nikola Knežević Serbian Business Registres Agency 46 Olja Arsenijević Institute for Serbian culture Pristina, Serbia 0000-0002-0465-0508 application/pdf 323810 https://unilib.phaidrabg.rs/o:8689 no yes 1 70 1552253 71A06 Industrija 53 2 67 80 2025