Financial technology (FinTech) startups are reshaping the global financial landscape by introducing innovative solutions that challenge traditional banking practices. In Algeria, where banking has historically been dominated by state-owned institutions, FinTech firms are beginning to catalyze digital transformation. This article examines the effects of FinTech startups on Business Process Reengineering (BPR) within Badr Bank, one of Algeria’s leading public banks. By analyzing international experiences and contextualizing Algeria’s financial environment, the study highlights how FinTech solutions in mobile payments, blockchain, digital lending, and AI-based financial services accelerate operational efficiency, customer engagement, and financial inclusion. The findings suggest that FinTech firms act as both disruptors and strategic partners, compelling Badr Bank to modernize its processes in alignment with global digitalization trends. Policy implications are proposed to strengthen Algeria’s regulatory and innovation ecosystem for financial services.