Fintech applications typically have several features that help users manage their finances and conduct transactions. Some of these include: 1. Mobile payments: This allows users to make payments instantly through their smartphones, eliminating the need for cash or physical cards. 2. Online banking: Providing access to banking services, such as checking account balances, transferring funds, and paying bills, right from a user's smartphone or computer. 3. Investment tools: Offering platforms for users to research, buy, and sell stocks, bonds, and other financial instruments. 4. Personal finance management: Tools that help users track their spending, set budgets, and set financial goals to improve their health. 5. Peer-to-peer lending: Platforms that connect borrowers with individual lenders, allowing them to bypass traditional banking institutions and access loans at potentially lower interest rates.