The rapid development of financial technology (FinTech) is transforming the banking sector by changing the way financial services are delivered, managed, and experienced by customers. This study examines the direct impact of four dimensions of FinTech innovation—Digital Payment Innovation, Digital Lending Innovation, Artificial Intelligence and Automation, and Blockchain Innovation—on four dimensions of banking performance, namely Operational Efficiency, Market Competitiveness, Customer Satisfaction, and Financial Performance. The study adopted a quantitative, descriptive, and cross-sectional research design. Data were collected using a structured questionnaire based on a five-point Likert scale. From 523 responses received, 455 valid responses were retained for the final analysis after excluding 68 incomplete or unusable responses. The data were analyzed using reliability analysis, exploratory and confirmatory factor assessment, and Structural Equation Modeling (SEM). The measurement results demonstrated satisfactory reliability and validity, with Cronbach’s alpha, Composite Reliability, factor loadings, and Average Variance Extracted exceeding recommended levels. The structural model supported all four proposed hypotheses. Digital Payment Innovation had a significant positive effect on Operational Efficiency (β = 0.612, p < 0.001), while Digital Lending Innovation significantly influenced Market Competitiveness (β = 0.574, p < 0.001). Artificial Intelligence and Automation demonstrated a significant positive effect on Customer Satisfaction (β = 0.638, p < 0.001), and Blockchain Innovation significantly influenced Financial Performance (β = 0.601, p < 0.001). The findings highlight that different FinTech innovations contribute to distinct dimensions of banking performance. The study provides useful implications for banking managers and policymakers in aligning technology investments with operational, competitive, customer-oriented, and financial objectives.