fib n = floor (phin/√5 + 1/2)
fib n ~= phin/√5
How many digits is fib n
?
numDigits (fib n) = log (fib n) = log (phin/√5) = log phin - log √5 = n * log phi - log √5
numDigits (fib n) = n * const + const
it's O(n)
Since the requested result is of O(n), it can't be calculated in less than O(n) time.
If you only want the lower digits of the answer, then it is possible to calculate in sub-linear time using the matrix exponentiation method.