As an industry closely related to people's production and life, the financial industry is no exception. However, in the process of technologicalization of the financial industry, we have seen some shadows of "Internet +", which finally made Haoshengsheng's financial technology become synonymous with Internet finance. Obviously, if the technologicalization of the financial industry is just a simple addition of new technologies and the financial industry, while ignoring the deep integration of new technologies and the financial industry, the so-called financial technology may only be a concept. In order to avoid this situation, we must choose a model that is different from "Internet +". Only the so-called financial technology can truly jump Fax List out of the fixed thinking of the Internet and truly enter a new era. So, what is the mode different from "Internet +"? it's actually really easy. As long as we figure out the "key components" of the "Internet +" model, and avoid touching these "key components" in the process of financial technology, then jumping out of the "Internet +" vicious circle is no longer a kind of fantasy. Looking back at the "Internet +" model, we can clearly see that traffic and capital play a very important role in it. Almost all "Internet +" players regard the acquisition of traffic and capital as the "lifeline" of development. Therefore, avoiding dependence on traffic and capital, and finding new driving elements other than traffic and capital has become the key to the real opening of fintech. This requires us to think deeply about the fundamental reasons why players in the Internet age rely on traffic and capital. Find ways and means to solve these problems, players' dependence on traffic and capital will be solved. In fact, one of the important reasons why players in the Internet age place such importance on traffic and capital is that traffic and capital are the key elements for Internet players to absorb nutrients and photosynthesis.