Abstract: Purpose/Significance The deep integration of finance and technology brings new demands for the ability structure of talents. The research on the ability structure of fintech talents holds the key to cultivating fintech talents. Given the shortage of fintech talents provided by colleges and universities, the major source of talent supply, talent cultivating strategies should be provided from the perspective of supply side. Design/Methodology Based on the demand characteristics, competence connotation and competence theory of fintech talents, the ability structure model of fintech talents that incorporates learning ability, interpersonal skills, professional competence and innovation ability is constructed. Findings/Conclusions To improve the quality of fintech talents training, this paper puts forward four strategies, including the implementation of differentiated positioning of talent cultivating, the talent cultivation method of interdisciplinary education, the flexible talent cultivation scheme design and the path of integration of production and education.