<![CDATA[The adoption of financial technology (fintech) has become a cornerstone of digital transformation in business administration, particularly in the service sector. This study explores the impact of fintech implementation on the operational efficiency of service companies, focusing on how digital payment systems, automated financial services, and fintech-driven analytics contribute to performance improvements. Data were collected from 150 service companies through structured questionnaires and analyzed using Structural Equation Modeling (SEM) via AMOS. The results indicate a positive and significant relationship between fintech adoption and operational efficiency, particularly in terms of process optimization and cost reduction. This study offers insights into how service companies can leverage fintech to enhance their competitive edge and streamline operations.]]>
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