With the in-depth application of information technologies such as big data, cloud computing, blockchain, artificial intelligence, and mobile Internet in the financial industry, the Fintech 3.0 era of deep integration of finance and technology and deep cooperation between traditional finance and Internet finance has arrived. While driving the transformation and upgrading of the traditional financial industry, FinTech has also spawned the vigorous development of many new financial formats. Financial innovations such as mobile payment, digital currency, P2P online lending, equity crowdfunding, big data credit reporting, smart investment advisors, smart contracts, and scenario finance are constantly improving the efficiency of financial services and reducing overall costs, while also promoting the construction of a new financial ecology. In particular, with the rapid rise of the research and development and application of blockchain technology, blockchain has become the technical engine of the Fintech 3.0 era. A research survey report released by IBM shows that by the end of 2017, 15% of banks will be involved in blockchain technology, and in the next three years, nearly two-thirds of banks will be able to provide formal blockchain services. Not only that, with the opening of the blockchain 3.0 era, the application field of blockchain has become more extensive, gradually expanding from the financial field to supply chain, energy, medical care, government governance and other aspects, and even in the future to achieve cross-connection with artificial intelligence and the Internet of Things. In this new wave of innovation, how to take the lead in deploying and applying blockchain technology, realize the implementation of technology and gain strategic advantages is not only a top priority for the financial industry, but also for many blockchain + industries. |
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