Fintech has become a buzzy label that often doesn't really mean anything. We asked execs at 21 startups like Brex, Kabbage, and N26 what really counts.

· Business Insider surveyed 21 startups about how they define the word fintech, and their responses varied widely.
· Beyond Big Tech and Wall Street, startups most would call "fintechs" are scooping up billions in VC funding from traditional venture firms and corporates alike. 
· Some of the people we asked see fintech as...