Digitalized information processing tehcnolgy has developed repeatedly over times. The rapid development of IT technology has transformed our lifestyle more rapidly, and many of the existing businesses are facing a problem of survival consequently. The financial sector threatened by Fin-Tech is a representative example. The financial sector has already built a convenient computational mechanism that did not make any big progress on great changes over the past few years. such mechanism which was established in the 20th century seems almost the same as the mechanism in the 21st century. As a result, such a slow transfer system, it excessive fees could be typical problems that have been left for many years. Fin-tech companies have emerged to solve this problem, and are making existing financial industry be placed at the crossroads of survival. Despite the tremendous developing pace of technology, there exists some industries that do not follow the pace of technology for several reasons.