I have tried a lot but I don’t see many reason for using fintech bank apart from their fancy cards😜. I came up to three use for those,
-Instead of debit card( because of rewards)
-Free peer to peer transaction.( Not good until many people use it.)
-Forex transaction(To save transaction fees)
I am in Canada and using fintech from last 8 years name Tangerine(previously ING). Reason for that moving to that bank at that time was simple no fees bank account, Higher interest paying saving account, free peer to peer transfer and all online banking. I have used them as my main bank and never have to look for another for 99% of the things I do in banking. In credit card my go to card is Amex which provide high reward and real time transaction notification.