generally all providers of financial technology services, especially in the banking industry, in an effort to provide modern banking services according to the daily needs of customers, banks, including the main institutions, can look for leading technologies in the field of providing financial services. Modern banks Regarding to the provision of leading financial services in the financial and investment fields, especially in the banking industry and all matters related to financial affairs.In this article, we intend to examine the impact of fintech on the way financial services are provided to consumers in the banking industry. In this article, Cronbach's alpha coefficient is used to check the reliability of the questionnaire designed based on the views of 60 consumers of banking financial services, and also by using the SWOT model to analyze and provide suggestions according to the results obtained regarding We discuss the strengths, weaknesses, opportunities and threats in the use of fintech in the banking industry.Finally, we test the research variables using the linear regression model. despite the fact that doing this work by banks may expose them to risks such as the security of users' information, but on the other hand, this threat can be turned into a strength by designing the right system. According to the estimation made from the above model, the results of the research indicate the confirmation of the hypothesis of the research that the use of modern financial technologies leads to the provision of services with safety, ease, transparency and greater consumer satisfaction.