The adoption and use of information technology and information system innovations in banking sector have been a key apprehension for research and practice. Many studies have used approaches such as Theory of Reasoned Action, Technology Acceptance Model and Unified theory of acceptance and use of technology to study the adoption of financial technology. The aim of this study to present the critical review on previous studies which are focusing on adoption of financial technology and the finding on influence of constructs on using the available technologies in banking sectors to get services. Specifically, it is focused on bank customer’s financial technology adoption. Results from previous studies on financial technology adoption reveals that constructs of Theory of Reasoned Action, Technology Acceptance Model and Unified theory of acceptance and use of technology contributed to Behavioral Intention to adopt and use its applications