[hardwaresofton]

I'd say that "fintech" companies are the union of financial companies that are aggressively becoming "tech" companies and the tech companies that have enough funding, patience, and grit to deal with regulatory and various other challenges for a financial entity (though the definition of a "financial entity" varies from country to country)

It's not the new version of "crypto-" (if anything it's the old version as they've been around a while), but it can indeed just be a hypeword