The study investigates the obstacles of FinTech in banking sector in Public and Private Banks. The population of the study is Egyptian bankers. Accordingly, the number of conducted questionnaires was 395 (8 Egyptian banks) in the first half of 2020. There is a difference in acceptance of FinTech between public and private banks. Finally, Obstacles FinTech in Egyptian bank sector includes both (1) "RegTech: FinTech face a complex regulatory environment that was designed for older business models and is slow to adopt change". (2) "bank unit characteristics: Usually, private banks are more flexible in applying FinTech services, compared to public banks; Egyptian Clients Attitude, orientation towards using FinTech application is positive with reservation on the nature of each governorate, Cairo and Nile delta, Giza and Alexandria represent big weight for using such FinTech apps compared to Upper Egypt. Technological Infrastructure, it is still weak especially in public banks compared to private banks."  and (3) "Staff characteristics:  the young staff, has a high rate of income and segment who holds high level degrees or certificates from staff was supporting FinTech".