A systematic review of fintech and banking profitability examines how fintech innovations affect bank profitability. The study analyzed 28 articles from 2019 to 2023, focusing on fintech metrics at both the bank and country levels, as well as factors influencing bank profitability. Key findings include the impact of digitalization, ATM ratios, electronic payments, and fintech services on bank profitability. Country-level factors such as peer-to-peer lending, third-party payments, and crowdfunding also significantly influence bank profitability. Bank-specific variables like size, nonperforming loans, liquidity, and capital adequacy ratio are critical determinants of profitability. Country-specific variables such as GDP and inflation also play a role. The review highlights the importance of theories like consumer theory, disruptive innovation theory, and transaction cost theory in understanding these relationships. It also emphasizes the need for further research into the unique characteristics of Islamic banks and the application of blockchain technology in Islamic fintech. The study provides insights for policymakers, academics, and banking professionals to better understand the relationship between fintech and bank profitability.A systematic review of fintech and banking profitability examines how fintech innovations affect bank profitability. The study analyzed 28 articles from 2019 to 2023, focusing on fintech metrics at both the bank and country levels, as well as factors influencing bank profitability. Key findings include the impact of digitalization, ATM ratios, electronic payments, and fintech services on bank profitability. Country-level factors such as peer-to-peer lending, third-party payments, and crowdfunding also significantly influence bank profitability. Bank-specific variables like size, nonperforming loans, liquidity, and capital adequacy ratio are critical determinants of profitability. Country-specific variables such as GDP and inflation also play a role. The review highlights the importance of theories like consumer theory, disruptive innovation theory, and transaction cost theory in understanding these relationships. It also emphasizes the need for further research into the unique characteristics of Islamic banks and the application of blockchain technology in Islamic fintech. The study provides insights for policymakers, academics, and banking professionals to better understand the relationship between fintech and bank profitability.