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  <xs:element name="FinancingReceivableModificationsNumberOfLoansChargeOff" id="finw_FinancingReceivableModificationsNumberOfLoansChargeOff" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualLifeAbstract" id="finw_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualLifeAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" id="finw_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInPeriodIntrinsicValue" id="finw_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInPeriodIntrinsicValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodIntrinsicValue" id="finw_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresAndExpirationsInPeriodIntrinsicValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
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  <xs:element name="EquityMethodInvestmentMeasurementInput" id="finw_EquityMethodInvestmentMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="MeasurementInputMultiplesOfEnterpriseValueMember" id="finw_MeasurementInputMultiplesOfEnterpriseValueMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="MeasurementInputExpenseGrowthRateMember" id="finw_MeasurementInputExpenseGrowthRateMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaycheckProtectionProgramLiquidityFacilityFairValueDisclosure" id="finw_PaycheckProtectionProgramLiquidityFacilityFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="InvestmentInBusinessFundingGroupLLCAbstract" id="finw_InvestmentInBusinessFundingGroupLLCAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OwnershipPercentageHeldByExistingMembersOfEquityMethodInvestment" id="finw_OwnershipPercentageHeldByExistingMembersOfEquityMethodInvestment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FairValueOfWarrantsIssuedPerShare" id="finw_FairValueOfWarrantsIssuedPerShare" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="EarningsMultiplier" id="finw_EarningsMultiplier" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ClassAVotingUnitsMember" id="finw_ClassAVotingUnitsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
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  <xs:element name="ImpairedLoansMeasurementInput" id="finw_ImpairedLoansMeasurementInput" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ImpairedLoansFairValueDisclosure" id="finw_ImpairedLoansFairValueDisclosure" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="FinWiseBankMember" id="finw_FinWiseBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="NatureOfBusinessAndOrganizationAbstract" id="finw_NatureOfBusinessAndOrganizationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PercentageOfGuaranteedPaymentsBySmallBusinessAdministration" id="finw_PercentageOfGuaranteedPaymentsBySmallBusinessAdministration" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" />
  <xs:element name="ForgivenessOfLoanReceivedFromSmallBusinessAdministration" id="finw_ForgivenessOfLoanReceivedFromSmallBusinessAdministration" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="LoanProcessingFeePercentage" id="finw_LoanProcessingFeePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="PaycheckProtectionProgramLoansMember" id="finw_PaycheckProtectionProgramLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StrategicProgramLoansRetainedAndHeldForSaleLineItems" id="finw_StrategicProgramLoansRetainedAndHeldForSaleLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StrategicProgramLoansRetainedAndHeldForSaleAbstract" id="finw_StrategicProgramLoansRetainedAndHeldForSaleAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableBeforeAllowanceForCreditLossRetained" id="finw_FinancingReceivableBeforeAllowanceForCreditLossRetained" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="FinancingReceivableHeldForSaleAndHeldForInvestment" id="finw_FinancingReceivableHeldForSaleAndHeldForInvestment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="debit" />
  <xs:element name="InterestOnPaycheckProtectionProgramLiquidityFacility" id="finw_InterestOnPaycheckProtectionProgramLiquidityFacility" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="SmallBusinessAdministrationLoanServicingFees" id="finw_SmallBusinessAdministrationLoanServicingFees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="StrategicProgramFeesIncludingServiceCharges" id="finw_StrategicProgramFeesIncludingServiceCharges" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
  <xs:element name="RecoveryOfSmallBusinessAdministrationServicingAsset" id="finw_RecoveryOfSmallBusinessAdministrationServicingAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="debit" />
  <xs:element name="FederalHomeLoanBankSecuredLineOfCreditAbstract" id="finw_FederalHomeLoanBankSecuredLineOfCreditAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="PaycheckProtectionProgramLiquidityFacilityMember" id="finw_PaycheckProtectionProgramLiquidityFacilityMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalReserveBankMember" id="finw_FederalReserveBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalReserveBankSCollateralBorrowingCapacity" id="finw_FederalReserveBankSCollateralBorrowingCapacity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="instant" xbrli:balance="credit" />
  <xs:element name="BankOfTheWestMember" id="finw_BankOfTheWestMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="ZionBankMember" id="finw_ZionBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FederalHomeLoanBankSecuredLineOfCreditMember" id="finw_FederalHomeLoanBankSecuredLineOfCreditMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="FinancingReceivableRecordedInvestmentAgingAnalysisAbstract" id="finw_FinancingReceivableRecordedInvestmentAgingAnalysisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockOption2016PlanMember" id="finw_StockOption2016PlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockOption2019PlanMember" id="finw_StockOption2019PlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="StockOption2019PlanAnd2016PlanMember" id="finw_StockOption2019PlanAnd2016PlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="OtherStockBasedCompensationAbstract" id="finw_OtherStockBasedCompensationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="SignificantUnobservableInputsUsedToFairValueMeasurementInInvestmentOnRecurringBasisTableTextBlock" id="finw_SignificantUnobservableInputsUsedToFairValueMeasurementInInvestmentOnRecurringBasisTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xs:element name="FairValueAssetMeasuredOnNonrecurringBasisAbstract" id="finw_FairValueAssetMeasuredOnNonrecurringBasisAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xs:element name="InterestAndFeeIncomeLoansAndLeasesNet" id="finw_InterestAndFeeIncomeLoansAndLeasesNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" xbrli:balance="credit" />
</xs:schema>
