The financial services landscape is undergoing a significant transformation driven by the rise of financial technology (FinTech), which is reshaping the traditional banking sector. This study examines the influence of FinTech on banking operations, customer experience, and strategic growth, particularly among young banking service users. Based on primary data collected from 150 respondents through a structured questionnaire, the research assesses the impact of FinTech on operational efficiency, financial inclusion, risk management, and market competition. The findings reveal that FinTech services are widely perceived as more efficient, accessible, and user-friendly than conventional banking. While a portion of respondents view FinTech as a threat to traditional banks, others regard it as a driver of innovation and potential collaboration. The study concludes that FinTech not only disrupts existing models but also creates opportunities for banks to innovate, expand their customer base, and improve service delivery. For long-term competitiveness and sustainability, banks must integrate technological advancements while addressing challenges related to cybersecurity, regulatory frameworks, and digital literacy.