It has to be said that taking the C-end as the target object can indeed maximize the functions and effects of Internet finance . However, what we also need to see is that just targeting the C-end cannot bring fundamental changes to the financial industry . The so-called Internet finance is also just a channel for selling financial products and services . Therefore , in order to obtain as many users and traffic as possible , we see that more and more Internet finances are constantly lowering the financial threshold and reducing the necessary links of finance . Although this method has brought about an increase in C-end traffic , it also magnifies financial risks infinitely , and finally brings Internet finance into a development stage full of minefields . It can be seen that just targeting the C-end cannot really maximize the functions and effects of finance , and will even bring the development of finance into a dead end .
To solve this problem , it is necessary to jump out of the C-end user-led development model , and it is necessary to find new target objects . It is under such circumstances that we have seen more and more financial technology players begin to shift their target audience from the C-side to the B-side .
Different from the era of Internet finance, which only provided financial products and services for C-end users , when financial technology players began to transfer their target objects from C-end to B-end , they began to look for more ways and means to combine with B-end , Start to realize more deep binding between itself and the B-side . Undoubtedly , such a method realizes the true return of finance to entities , finance empowers entities, and finally returns the essence of finance .
The essence of financial technology has begun to change
Whether it is Internet finance or later financial technology , in essence , their essence is the Internet . What is the Internet? According to the general understanding , the so-called Internet refers more to the platform economy ,It refers more to the virtual economy , which exists relative to the real economy . When we only use "Internet" to define financial technology , we can only bring it into the opposite of the real economy , but cannot achieve deep integration with the real economy.
When the tide of Internet finance is gone , especially when people's knowledge and understanding of financial technology begins to become more in-depth , what we see is that the essence of financial technology has begun to undergo a profound and comprehensive transformation . Today's financial technology is no longer synonymous with the Internet , it is no longer an existence independent of the real economy , or even standing on the opposite side of the real economy , but has become an existence deeply integrated with the real industry. If I want to summarize the essence of the current financial technology , I am more willing to define it as the "new infrastructure" of the real economy . It is not only a master of technology players represented by the Internet , but also a master of financial players represented by traditional finance. In such a process, financial technology is no longer a means of obtaining traffic ,
Harvesting flow is an existence independent of the real economy, but has become an existence integrated into the entity and the industry. In this process, the amount of traffic has long been no longer necessary for financial technology players. The depth and breadth of its integration with the real economy and industry, and its thoroughness in empowering and transforming the real economy and industry, becomes the key to determining whether it is imaginative.