I suppose that depends on your definition. Wikipedia (I know) has a fairly good definition:
Financial technology , often shortened to FinTech or fintech , is the new technology and innovation that aims to compete with traditional financial methods in the delivery of financial services.[1]
So when we say Fintech, we aren’t talking about financial institutions using technology (as you say - everyone uses tech, so that would make the term pointless). Instead, we’re talking about a new generation of companies that are applying the tools, techniques, cultures and approaches of the internet age to banking.