In recent years, fintech has received much attention due to the introduction of new technologies in banking and electronic payment. For financial service providers to compete in the industries, they should apply the business model as a conceptual framework to improve performance. The current research is exploratory and tries to identify the factors influencing fintech design in electronic payment using the Osterwalder business model. This study aims to integrate three methods named DEMATEL, ISM, and ANP from MCDM techniques. To analyze the identified factors affecting the design of fintech in electronic payment, the indicators were examined in terms of influence and effectiveness by the DEMATEL method, then the levels of influence and effectiveness of the factors were investigated using the interpretive structural modeling method. Finally, the network analysis method was used to prioritize the factors. The findings showed that recognizing and identifying electronic payment customers is the most effective among the factors, and determining the type of relationship with customers is the most impressionable factor. In addition, after ranking the factors, the type of relationship with customers was the first rank, and the criteria of the company's cost structure and revenue streams were determined as the second and third, respectively.