Trading with stocks in developed market conditions for some is fun, for others it is a way to preserve the real value of the asset, while for the most is a challenge to gain bigger profits quickly and easily. Dreams on stock market alchemy rely on the development and upgrading of special systems whose ultimate goal is to uncover stock price secrets and their changes. What are the chances of this happening? Chances are minimal, according to experiences from the world’s leading stock exchanges in the past. The stock market complexity, the number and unpredictability of factors affecting stock prices and unexpected changes or stability do not give much hope to those who know what’s going to happen in the future. In such endeavors there are equal opportunities for both stock exchange experts and full-time amateurs. For all this, if the stock market cannot be defeated or deceived, then it is better to join it. So this means: to create a diversified portfolio of securities that provides a safe income, slightly higher than annual inflation, minimizing the risk.

Fin-tech are accelerators of innovation in the banking system. They can improve efficiency, create new products and services, enable new business models, and blur the boundaries between industries. Digitization offers new opportunities for banks to put the customer at the center of the development process. New technologies remain and survive in the market to disrupt the value chain of retail financial services, as well as to introduce new players into the competitive arena. But a large number of banks stand far from the necessary scale of modern technologies. Banks need to be ready to meet any change challenge, which will require processes, skills, new products and an approach to meeting customer needs. The research subject of this paper is the urgent need for digitalization of the banking sector, continuous investments in modern Fin-tech tools. We believe that through this research we will show that an investment in the function of digitalization, traditional banking institutions will be ready to respond to any challenge of time changes. Nevertheless, banks must remain true to their basic identity as financial intermediaries: matching demand with capital supply.

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