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The purpose of this paper is to analyze whether the role of FinTech (Financial Technology) currently has a good or bad effect on national financial institutions (banking). Using descriptive methods and gathering information / data via the internet. Technological developments in everyday life are increasingly creative and innovative. FinTech was created to implement technology in the financial sector. The results of his research, namely FinTech, could hamper the development of banking, but could also be an opportunity for the banking sector itself. From these results, it was said that banks could digitize because of the encouragement of FinTech. This is due to FinTech taking a large part of the banking industrys market share. Of course FinTech can be a threat as well as an opportunity for national financial institutions