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Driven by a wave of new technologies, global fintech is booming. The financial industry has gone through the stages of computerization, informatization and digitalization development, and is now gradually moving towards intelligence. In the 5G era, the transformation from financial technology to smart technology will be realized. A digital, intelligent, and open era is coming. The People's Bank of China issued the "FinTech Development Plan (2019-2021)", clearly proposing in creating a "5G + fintech" cooperation alliance, deepening the consumer financial ecological chain, implementing a channel empowerment plan, jointly prospering the "5G + fintech" ecosystem, and promoting the development of fintech innovation. The financial industry has entered a new stage of transformation and development, and "no finance without technology" has become the industry consensus.