Financial technologies or fintech have changed the way financial services are provided and have replaced traditional financial services. Large investments have been made in fintechs but there is a gap between service providers and consumers. Due to the high diversity and speed of change in this field, people still do not understand and resist the new financial system, while citizens are the ultimate target of a wide range of fintech services. Successful transition requires providing opportunities for citizens to participate, which is expressed with the concept of financial citizenship. The present study aims to achieve a clear understanding of the citizenship dimension in the transition to fintech. Therefore, based on the interpretive paradigm and qualitative research method, and with the inductive approach and the use Grounded theory, it has analyzed financial citizenship and promoted social capital in the Fintech transition. In this regard, with Purposive sampling and Sampling snowballs, have been interviewed with 15 experts in the field of fintech. The findings show that factors such as technological pressure at the international level and the weakness of the traditional financial system have stimulated the transition to fintech, but citizens' distrust has led to Lack of acceptance of fintech. Bridging this gap requires the formation of a participatory approach to financial citizenship in order to inform citizens and promote social capital to provide conditions for citizen participation in the position of customer, feedback provider or financial services requester. In this way, it will lead to the expansion of the FinTech startup market, financing, definition of innovative financial services, and finally change in government approach, and the transition to FinTech will be achieved
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