Fintech is the most critical factor in the finance industry. The fintech research field is emerging as an exciting topic in academics. The concepts of fintech are also fragment; thus, it needs to be clarified. In this study, we aim to review the existing studies to clarify the factors of fintech. We select 13 publications from 2014 to the present for review. After reviewing and discussing, we propose that the bank fintech and the fintech-outside are the critical factors of fintech. Additionally, we also propose the components of the bank fintech and the fintech outside. The fintech pressure and the bank fintech strategy are the critical components of the bank fintech.