This study aimed to analyze the impact of financial technology (FinTech) on enhancing the efficiency of public resource management and reducing financial waste in Egypt from 2019 to 2024. The research employed a mixed-methods approach, incorporating quantitative analysis of data from 20 Egyptian banks and a case study of the Central Bank of Egypt’s policies. The study focused on two key variables: credit card balances and technological assets. The findings revealed a significant 65% reduction in transaction costs, alongside an increase in financial inclusion rates from 27% to 43%. Additionally, blockchain technologies contributed to a 22% decrease in financial fraud. However, the study identified challenges such as cyberattacks affecting 18% of platforms and regulatory gaps present in 40% of Arab countries. Based on these findings, the study recommends strengthening digital infrastructure, adopting regulatory frameworks that support financial innovation, and prioritizing the development of cybersecurity legislation to keep pace with rapid technological advancements.