Economic Basis of Digital Banking Services Produced by FinTech Company in Smart City

The accelerated urbanization rate results in the birth of Smart City concept, presupposing more efficient use digital technologies for benefit inhabitants and businesses. idea banking is one key issues a smart city concept. research should demonstrate that effective way to produce such kind services fintech companies’ facilities. Many researchers study from technological point view, contribution general banking, level satisfaction customers with products. However, there gap studying economic basis these companies. aims determine projects implemented by company source efficiency companies financial operations compared conventional bank. It has additional importance since analysis devoted solutions demonstrates certain lacuna substantiation solutions. this are based on implementation traditional Cost-Benefit Total Cost Ownership analyses include developed cost income functions, calculated Benefit/Cost ratio, demonstrated Therefore, activities area received ground, fact decreases between intuitive comprehension necessity introduction practice process.