In the era of mobile Internet, the transformation of traditional financial industry?

The Internet is constantly integrating with more and more traditional industries, and big data + cloud computing has become the foundation for connecting everything and intelligence. Industries such as finance, automobiles, education, smart hardware, O2O, and pan-entertainment have all been "+"ed by the Internet. Among them, O2O has become the gospel of all offline industries such as travel, tourism, beauty, group buying, and medical services. In the field of smart hardware, wearable devices and smart homes are the most popular. BATs are eyeing our bodies and living rooms. This field will undoubtedly become a trillion-dollar market...

"Internet finance" is no longer a new word, but in the two sessions The report mentioned again, showing the unstoppable trend of Internet finance. From the perspective of the Internet finance industry chain, it includes multiple links such as fundraising, wealth management, payment, online currency, and financial information services. Fundraising models include equity crowdfunding, P2P loans, and e-commerce small loans; wealth management includes Internet companies and securities companies. Co-issued products, monetary funds that cooperate with funds, and various wealth management products launched by banks; payment includes online payment and mobile payment; in addition, there are some Internet financial information services, mainly using the mature technology and thinking of the Internet in financial services. Applications in segmented fields.

Analysts pointed out that "Internet +" is at the cusp of the wave, while Internet finance is at the top of the wave. Under the general trend of economic transformation and innovation, this year is destined to be an extraordinary year for Internet finance. However, in any case, as a new thing emerging in line with the historical trend, Internet finance has undoubtedly broad prospects for development. When the entire industry is facing a reshuffle, whoever has the core competitiveness will stand at the forefront of the Internet finance era.

China's mobile financial Internet industry has entered a vigorous diversification path in recent years. Looking back on 16 years, the domestic mobile Internet environment has further advanced, and the genetic characteristics of Internet companies and large state-owned institutions have further accelerated the situation of blooming flowers in various vertical fields. With the emergence of many mobile financial apps, the penetration of the Internet can be a traditional How has finance changed?

From the perspective of products and services, we can probably find some features:

The change of the Internet to traditional finance has gradually penetrated from financial services in the early days. The key aspect of this is that the technology provided by the Internet provides financial institutions with functional supplements and the possibility of more services. The platform built has the ability to acquire users. More possibilities, so that a wider variety of products have the opportunity to be realized.

At the same time, it is difficult for traditional financial services to avoid face-to-face docking, and this traditional method often encounters great limitations. When the Internet begins to penetrate, the distance can be stretched infinitely, and corresponding business operations can be carried out anytime, anywhere, to a certain extent. On this level, the tedious face-to-face process has become simplified. At this level, the improvement of convenience has undoubtedly formed a new attraction for users.

However, after the integration of the Internet and traditional finance, some new challenges have also arisen. The most noteworthy one is the product quality problem in the field of mobile securities. At present, many major loss accidents are caused by bugs. In addition to a large amount of money, this loss is a major blow to its own brand. For TestBird, since the financial sector involves the entry of more personal information and personal assets, it needs more careful and comprehensive APP testing , from account opening to the safe operation of various functions of the program, it should be professional and careful. The attitude of quality control is not only to ensure the interests of users, but also to build its own reputation.

Diversified integration, the possibility of mobile finance expands again In

recent years, under the leadership of certain treasure, e-commerce has emerged. Due to its own nature, it will inevitably further penetrate and extend into financial services. The influx of more businesses is bound to increase the pace of using Internet technology to provide financial services. To a certain extent, the two tend to be gradually integrated.

Such linkage, on the one hand, e-commerce can bring more business opportunities and service possibilities to traditional finance, and it can also promote the further development of mobile Internet finance; on the other hand, the intervention of Internet finance also allows e-commerce A more convenient and secure trading system can be built.

In addition to these, products in more fields have begun to cooperate with financial services, and they are advancing steadily at multiple levels and diversification, which also makes the integration of the Internet and finance more thickness and breadth.