Financial Technology (FinTech) refers to financial innovations which are technology-enabled including artificial intelligence (AI), big data analytics, blockchain and so on. As a disruptive revolution, the advancement of FinTech has changed the traditional methods of lending, payment and investment, and has emerged as a significant factor in the development of business and financing over the past decade. Furthermore, the adoption of FinTech such as digital bank not only promotes the prosperity of business at the macro level, but also changes daily behaviors of each tiny individual at the micro level. This paper aims to explore the innovations of financial technology in traditional financing channels from both macro and micro perspectives, to provide reasonable references for financial decision-makers. In conclusion, with the development of modern technology such as blockchain, big data, and APIs, FinTech is transforming the world on both a macro and micro level.