Using the bank data from 2013 to 2019, the banking fintech index is constructed through text mining method, and the fixed effect model is used to explore the impact of human capital on the development of banking fintech. The results show that the higher the level of human capital, the higher the development level of banking fintech. Mechanism analysis show that the impact can be achieved through direct and indirect ways. Firstly, human capital plays a direct role in promoting the development of banking fintech through providing services to banks. Secondly, human capital plays an indirect role in promoting the development of banking fintech by promoting the improvement of internet financial. Heterogeneity test show that the impact of human capital to banking fintech has differences in different regions and different types of banks.Based on the research conclusions,countermeasures and suggestions are put forward for accelerating the development of fintech and realizing the digital transformation of banks.