I've checked the attached 'Guide to assessments of fintech credit institution licence applications'
The main point is that it's about the fintech credit institutions, (fintech banks), so this will only apply to those fintech companies, who wants to give out loans (like banks) to everyday people (clients).
So as of my understanding, this means that they don't regulate all the fintech companies with the same regulations like banks has to fulfill, but only those fintech companies, where this applys: 'delivery of banking products and services are based on technology-enabled innovation'
They emphasize that because the new fintech companies will start to act like banks (and the problematic part is the credit, not the money transfer part of the banking services).
So as far as I understood, this is only apply for those fintech companies, who wants to deal with credits, not for all fintechs.
