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I have always dreamed of creating my own fintech product, but I am afraid of the costs and complexities of technology.

That is perfectly normal. But there are services that make it much easier to get started: for example, at https://sdk.finance/solutions/digital-retail-bank/ you can find a ready-made software solution for a digital retail bank that already includes a core, card functions, multi-currency accounts, and transfers. Such a platform allows you to significantly reduce time and resources — you don't need to create everything from scratch and can focus on marketing, customer experience, or a unique niche. If you choose such a platform, it is important to select your target audience, understand what problems you are solving, and tailor the product to those needs. Even a small start-up can look professional if it has a solid technological foundation.