## Challenges and Opportunities in the Intersection of FinTech Adoption, HR Competency, Service Innovation, and Firm Growth in the Banking Sector**Introduction**The financial services industry is undergoing a period of significant transformation as a result of the convergence of several key forces. These include the rise of FinTech (financial technology), the changing needs of customers, and the evolving regulatory landscape.In this paper, we present an integrated multi-criteria decision-making (MCDM) model that can be used to evaluate and rank the various alternatives available to banks in the areas of FinTech adoption, HR competency, service innovation, and firm growth. The model uses the Entropy-Weighted Method (EWM) to determine the importance of different criteria, and the Technique for Order Preference by Similarity to Ideal Solution (TOPSIS) to rank the alternatives.**Literature Review**The adoption of FinTech has been shown to have a number of benefits for banks, including increased efficiency, reduced costs, and improved customer engagement. However, the adoption of FinTech also poses a number of challenges, such as the need to invest in new technology, the risk of disruption to existing business models, and the need to develop new skills and competencies.The development of HR competency is also essential for banks in order to remain competitive in the changing financial landscape. In particular, banks need to develop employees who have the skills and knowledge necessary to adopt and implement FinTech solutions, as well as the ability to provide high-quality customer service.Service innovation is another key factor for success in the banking sector. Banks need to be able to develop and offer new services that meet the changing needs of customers. This may include offering new digital services, such as mobile banking and online lending, as well as traditional services in new ways, such as using data analytics to tailor products and services to individual customers.Finally, firm growth is essential for banks in order to remain competitive and profitable. Banks need to be able to grow their customer base, increase their market share, and expand into new markets. This may involve investing in new technology, developing new products and services, or acquiring other banks.**The MCDM Model**The MCDM model proposed in this paper can be used to evaluate and rank the various alternatives available to banks in the areas of FinTech adoption, HR competency, service innovation, and firm growth. The model uses the EWM to determine the importance of different criteria, and the TOPSIS to rank the alternatives.The EWM is a statistical method that can be used to determine the relative importance of different criteria. The method works by calculating the entropy of each criterion, which is a measure of the uncertainty or randomness of the data. The higher the entropy of a criterion, the less important it is.The TOPSIS is a multi-criteria decision-making method that can be used to rank the alternatives based on their distance from an ideal solution. The ideal solution is a hypothetical alternative that is the best possible outcome for all of the criteria. The alternatives are ranked based on their distance from the ideal solution, with the alternative that is closest to the ideal solution being the most preferred.**Results**The results of the MCDM model show that the most important criteria for banks in the areas of FinTech adoption, HR competency, service innovation, and firm growth are:1. Financial innovation2. Risk optimization3. Credibility4. Robustness5. Workflow management6. Managerial decisionsThe results also show that the best alternative for banks that are looking to invest in FinTech, develop their HR competency, innovate their services, and grow their business is Alternative A6. This alternative is characterized by its high level of financial innovation, risk optimization, and credibility, as well as its strong workflow management and managerial decisions.**Discussion**The results of the MCDM model provide a number of insights for banks that are looking to remain competitive in the changing financial landscape. First, the results suggest that banks need to focus on investing in financial innovation, risk optimization, and credibility. These are the most important criteria for banks that are looking to adopt FinTech, develop their HR competency, innovate their services, and grow their business.Second, the results suggest that banks need to develop a strong workflow management and managerial decision-making process. This will help banks to ensure that they are able to adopt and implement FinTech solutions in a timely and efficient manner.Third, the results suggest that banks need to invest in developing the HR competency of their employees. This will help banks to ensure that they have the skills and knowledge necessary to adopt and implement FinTech solutions, as well as the ability to provide high-quality customer service.**Conclusion**The MCDM model presented in this paper can be used by banks to evaluate and rank the various alternatives available to them in the areas of FinTech adoption, HR competency, service innovation, and firm growth. The model provides a systematic and objective way to assess the pros and cons of different alternatives, and can help banks to make informed decisions about which alternatives to invest in.The results of the MCDM model suggest that banks need to focus on investing in financial innovation, risk optimization, and credibility. Banks also need to develop a strong workflow management and managerial decision-making process, and invest in developing the HR competency of their employees. By following these recommendations, banks can position themselves for success in the changing financial landscape.