This study employs a stochastic production function model to measure technical efficiency of FINTECHs via point of sales, POS and automated teller machines, ATM in Nigeria. Primary data were obtained through the use of a set of questionnaires from three hundred and sixty representative samples. The results show that in Nigeria, (within the context of Nigeria’s socio-economic constraints) POS operations seem the most efficient in terms of technical efficiency with mean TE index of 0.914 followed by ATM service provision with a mean TE index of 0.797 (this result is in spite of the engineering efficiency claims.  These coefficients are based on socio-economic realities) evaluations infused into the equation. The results of the inefficiency model show that the variables of age and years of education significantly increase these users’/operators’ TE while number of contacts made to FIs over transaction issues significantly decreases the FINTECHs’ TE.