Abstract: A modern society is called as convergence period. The core technologies on convergence are mobile, smart and cloud. Because of popularization and progress on mobile device and service, the various patterns related with our consumption have been changed. There are many backgrounds in emergence of FinTech industry. In this study, we studied FinTech start-up firms. FinTech refers to a newly emerging industry and service fields through the fusion of finance and ICT. In this study, we studied on current status of FinTech firms. We deal with domestic firms such as Daum Kakao, LGU+. And we described In foreign firms such as Fidor Bank, Simple Online Bank, OnDeck, Stripe and Affirm. Eventually we analyzed problems of the current FinTech firms. In this study, we described several FinTech start-up firms. Many FinTech companies are especially in the payment sector. Two rapidly growing start-ups to notice for the recent five years are studied. A biggest hurdle in electrolyzation of financial service is personal information leakage therefore, biometrics to supplement it gains attention. According to gartner, bio authentication use ratio using mobile devices is forecast to grow from current 5-30%. However, damage may continue to one’s life time if bio information leaks. The argument on user’s psychological anxiety and human right violation needs to be solved. e-Payment services through non-financial companies like IT companies are on the rapid rise. Competition between financial companies and non-financial companies, between IT companies to preempt the e-payment market is fierce. As the FinTech market rapidly grows associated fields are expected to grow as well. Big data and crowd markets are forecast to grow together security and bio technology markets are also projected to gain attention, since security issue works as a huge hindrance factor for the future of the FinTech markets.