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Globally, in recent years there has been a significant decrease in the number of cash transactions, followed by a decrease in the use of credit cards. Digital payments and e-commerce have undergone tremendous changes, revolutionising the way we buy and pay for various goods and services. E-commerce has ushered in a new era of online shopping, while digital payments have made transactions more convenient, fast and secure. The study analyses the evolution and changes regarding currency transfer, highlighting the importance of cardless digital payments. The convenience, security and cost efficiency they offer have led to their widespread adoption in various industries. The world of digital payments and e-commerce is undergoing rapid transformation, with technological advances and changing consumer behaviour driving the industry's evolution. Recently, especially after the pandemic, there has been a major change in the way people make payments, indicating a clear preference for electronic means, to the detriment of cash. Electronic payments provide full visibility and transparency throughout the entire payment process for both the customer and merchants. It is certain that digital payments and e-commerce will continue to be major drivers of global economic growth and innovation, and the main purpose of digital payments is to increase the convenience, speed and security of conducting financial transactions.

The aim of this study is to identify the influence of Financial Technology (FinTech) on profitability in Jordanian commercial banks. The convenience sample was surveyed using a descriptive cross-sectional approach. Questionnaires were used to collect the data. The study population consists of commercial banks. The tool was sent to employees of all Jordanian commercial banks through email, Facebook and Twitter in order to meet the researchers' target sample size of at least 381 participants. The data was analyzed using the Statistical Package for Social Sciences (SPSS) version 24. The results showed an impact of financial technology (financing, money transfers and lending) on banks' profitability. The results of this study demonstrate that the adoption of FinTech solutions by banks has a significant impact on their profitability and position. Financing, money transfer and lending are crucial in determining a bank's profitability and overall success. Therefore, this study contributed to the growth of a new model that connects financial technology through financing, money transfers and lending to profitability and it added many topics related to financial accounting technology for increasing profitability in Jordanian commercial banks. [ABSTRACT FROM AUTHOR]