Financial technology or "fintech" is changing the way we handle our money. Each app has a different set of services, requirements, and fees. Regulations and protections created for traditional banking services don't necessarily apply. Learn how fintech tools work and what to look for before transferring money with Cash App, Venmo or Zelle; depositing money with neobanks such as Chime, Sofi, and T-Mobile Money; or linking bank accounts and credit cards to digital wallets like Apple Pay and Google Pay.