Fintech (financial technology) uses cloud systems and software to offer fast, app-based money services. Traditional banking relies on physical branches, old computer networks, and face-to-face service. Fintech is faster and cheaper, while old banks have more safety trust, licenses, and long history

You log in using a PIN or biometrics, choose a service like a transfer or bill pay, and the bank's system processes the request and updates your balance instantly. 

Cryptocurrency is digital money that uses encryption (cryptography) for security. It runs on a decentralized network of computers using blockchain technology instead of relying on a central bank or government. Transactions go directly from person to person.