<![CDATA[Purpose: This study examines the effect of strategic fintech capabilities on financial management performance during digital banking transformation. This study addresses this research gap by investigating the heterogeneous strategic contributions of different fintech dimensions, rather than treating fintech adoption as a homogeneous construct.Research Methodology: A quantitative research design using Partial Least Squares–Structural Equation Modeling (PLS-SEM) was employed. Survey data were collected from 300 banking structural officials responsible for financial management and information systems in Southeast Sulawesi Province, Indonesia.Results: Digital-based core banking systems, AI-based risk management, and financial big data analytics significantly improve financial decision-making quality and financial reporting performance, while digital payment systems and internet and mobile banking show no significant effects. Financial big data analytics is the strongest strategic capability.Conclusions: Financial management performance depends not only on fintech adoption but also on banks' ability to internalize high-value fintech capabilities as strategic organizational resources.Limitations: This study is limited to banking institutions in Southeast Sulawesi and focuses on internal managerial perspectives, limiting broader generalizations.Contribution: This study extends the Resource-Based View by positioning fintech as a strategic organizational capability rather than merely operational technology. It also provides practical insights for banks to prioritize fintech investments that strengthen managerial and financial performance.]]>
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