The Fourth Industrial Revolution (Industry 4.0) or Integrated industry of Internet Things and internet services is becoming the main part of every company and its activities. Using automatization of production lines, mutual communication of machines, using computers to process large quantities of information, using smart technology, most people are left without work and at the same time new working places are created as well as new working solutions. The example of that kind of management is FinTech or financial technology that today has the leading role in transformation of banking system. The growth of financial market, either by size or by the number of their clients, largely influenced the banking management. The latest focus is put on the fintech techology that connects the technology and the banking services. Fintech has become the main part of banking system and today banks compete with growing competition of non-financial institutions that provide, for example the payment services (withdrawal of money in post offices or at the newsagents). The banks are expected to change their usual ways of doing business, distribution of services and to accept other methods to provide services. While some see FinTech as a competition, the others see it as a chance for business cooperation that can provide better flexibility and better service with lower expenses. Commercial banks have recognized the benefits of FinTech companies and they develop new possibilities and services of internet and mobile banking for their clients on daily basis. Zagrebačka bank as well as all other banks mostly use the Internet and mobile banking in doing business with their clients.