Digitalna transformacija financijskog sektora na globalnom tržištu snažno napreduje. Fin-Tech kompanije sve više konkuriraju ili čak u potpunosti zaobilaze postojeći financijski sektor, primarno banke. Taj trend vidljiv je i u Republici Hrvatskoj, gdje se sve više pojavljuju nova poduzeća i njihovi inovativni financijski proizvodi. U cilju provjere spremnosti hrvatskih banaka na digitalnu transformaciju te implementaciju novih proizvoda i usluga, kroz provedeno kvalitativno istraživanje (intervjui s deset relevantnih sugovornika iz područja bankarstva i Fin-Tech kompanija) provjeren je utjecaj Fin-Tech kompanija koji su van bankarskog sektora, na sam bankarski sustav. Dodatna je pozornost tijekom istraživanja posvećena procjeni jesu li banke i Fin-Tech kompanije na hrvatskom tržištu prepoznale aktualne potrebe svojih klijenata, koliko im se dobro prilagođavaju te mogu li banke i dalje biti lideri u digitalnoj transformaciji Republike Hrvatske. Što se tiče prilagođavanja potrebama klijenata, manji dio sudionika istraživanja smatra kako će se portfelj usluga banaka tek nadopunjavati novim proizvodima i uslugama, dok ipak veći dio sudionika istraživanja smatra kako će u idućih 5 godina, postojeće prvenstveno platno prometne usluge banaka i kartičarskih kuća biti zamijenjene posve novim poslovnim modelima. Predstavnici banaka uočavaju jak utjecaj Fin-Tech kompanija na globalnom tržištu, no smatraju da u Republici Hrvatskoj oni ipak imaju manji utjecaj. Također, smatraju da se banke generalno dobro prilagođavaju novoj situaciji te da će i dalje ostati lideri digitalne transformacije. Tu poziciju zadržat će prvenstveno zbog svoje veličine i količine kapitala kojom raspolažu u procesu izgradnje percepcije sigurnosti svog poslovanja koja je hrvatskim korisnicima i dalje iznimno bitna.; The digital transformation of the financial sector is making strong progress in the global market. Fin-Tech companies are increasingly competing with, or even completely bypassing the existing financial sector, primarily banks. This trend is evident also in the Republic of Croatia, where new companies and their innovative financial products are increasingly emerging. In order to verify the readiness of Croatian banks to digital transformation and the implementation of new products and services, a qualitative research has been carried out (interviews with ten relevant respondents in the banking and Fin-Tech companies) to check the impact of Fin-Tech companies outside the banking sector on the banking system itself. During the research, particular attention was given to assessing whether banks and Fin-Tech companies on the Croatian market recognized the current needs of their clients, how well they adapted to their needs and whether banks can continue to be leaders in the digital transformation of the Republic of Croatia. As far as customer needs are concerned, a minor part of the respondents believe that the portfolio of banking services will merely be supplemented with new products and services, while most of the respondents believe that in the next 5 years the existing money transfer and card-based banking services will be replaced by completely new business models. Bank representatives note the strong influence of Fin-Tech companies on the global market but believe they still have a minor influence in the Republic of Croatia. They also believe that the banks are generally adapting well to the new situation and will continue to be leaders of digital transformation. They will retain this position primarily because of their size and the amount of capital they have at disposal in the process of building the perception of the safety of their business, which remains extremely important for Croatian clients.