The Convergence of Cybersecurity, IoT, and Fintech: Building a Secure Future for Digital Banking

When digital banking is changing with the help of Fintech and IoT integration, cybersecurity becomes a key factor to guarantee the stability of the system, clients’ trust, and financial systems in general. This empirical research focuses on the synergies, advantages, threats, and prospects of the integration of these domains. Following widely recognized paradigms such as SWOT and risk-based thinking, the study presents new solutions, including the use of blockchain and AI in cybersecurity, and assesses the impact of Central Bank Digital Currencies (CBDCs). The results underscore the necessity for the development of comprehensive and integrated international standards of regulation and effective application of technologies that help to prevent global risks. This research therefore establishes the need for the ability to strike a balance between innovation and security to create a sustainable and people centered digital banking environment.