Financial innovation in terms of technology can lead to new business models, applications, processes or products with a material impact on financial markets and institutions and the provision of financial services. Therefore, according to the importance of this issue, the present research has been tested with the aim of investigating the effect of innovation of financial technologies on improving the financial resources of Qarz al-Hasneh banks in Islamic environments in 2024.  The research method is correlation type based on confirmatory factor analysis through structural equations; therefore, in this regard, the statistical community of this research consists of experts, managers and analysts in the financial field, and 145 people were randomly selected as the sample size.  The results of the hypothesis analysis show that the components of credit services and deposit increase, support services, security have a direct and significant effect on the improvement of financial resources in banks. But the component of payment and settlement services had an inverse and significant effect on the improvement of financial resources in banks.  Financial innovation and new technologies can have many positive effects on improving financial resources in banks. However, banks must approach these innovations with care and proper planning in order to avoid the challenges and risks associated with them and enjoy their full benefits. To realize this, banks need to develop appropriate strategies, train employees, and invest in are technological infrastructures to be able to use these innovations effectively.