The change in many sectors with the development of digital technologies has led to digital transformations in the finance sector. Digital transformation, which tries to solve many problems in social life with digital technologies by connecting people and objects and addressing the change in this process, has brought about change especially in the field of economy and finance. Digital transformation adopts new technologies to increase productivity, create added value and increase social welfare, and in this context, it is beneficial to all sectors with the innovations brought by digitalization. Technological developments in many areas such as the Internet of Things, cloud computing, artificial intelligence, virtual reality, communication of machines, robotics and full automation, driverless vehicles and energy storage show the importance of digital technologies today and in the future. Therefore, the finance sector is constantly developing and renewing itself.

With the digital transformation, competition has become and will become fierce in the financial sector as in every field. For this reason, the financial ecosystem has radically changed and a new generation financial system has emerged. With the new generation financial system, many fintech trends have emerged. Financial trends of today and the near future; digital and mobile wallets, artificial intelligence, conversational commerce, blockchain, peer-to-peer credit (P2P), 5G technology, robo-experts, big data technology, biometric data usage, embedded finance, decentralised finance, wearable technologies, neo-banking, open banking, near field communication (NFC), buy now pay later (bnpl) / buy now pay later, RegTech (regulatory technology) and smart contracts. In this context, the purpose of this study is to examine the financial trends that have emerged with the developments in the financial sector during the digital transformation process and are expected in the near future. In this context, the extent to which new generation financial trends shape the financial ecosystem will be determined.