新华三&IDC 2024-2026金融科技十大趋势预测：新科技 新金融 新业态

Investment Rating - The report does not explicitly state an investment rating for the industry. Core Insights - The financial technology (FinTech) sector is undergoing a significant transformation, emphasizing digitalization and the integration of data-driven innovations to enhance financial services [2][16]. - The construction of open financial ecosystems is crucial for financial institutions to improve service resilience and expand revenue streams [7][10]. - The adoption of cloud-native technologies is becoming a core strategy for financial institutions to enhance operational agility and efficiency [25][32]. Summary by Sections Introduction - The report highlights the importance of accelerating the digital transformation of financial institutions and strengthening regulatory oversight in FinTech [2]. Open Financial Ecosystem - Financial institutions are increasingly building and expanding industry ecosystems to meet complex customer needs through shared resources and capabilities [4]. - Large banks are expected to lead the development of open ecosystems, enhancing their business resilience and revenue generation through collaboration with various partners [7][10]. - By 2026, a significant percentage of leading banks are projected to share data and resources across multiple industry ecosystems to improve operational resilience [7]. Cloud-Native Technologies - The report indicates that 84% of financial institutions are planning to implement or are experimenting with cloud-native technologies to meet the demands of digital business [25]. - Cloud-native technologies are essential for financial institutions to achieve operational flexibility and rapid application deployment [25][32]. - The integration of AI applications within cloud-native architectures is expected to enhance business agility and efficiency [31]. Data Intelligence and AI - Financial institutions are focusing on building data intelligence capabilities using big data and AI technologies to drive digital transformation across various business functions [51]. - By 2025, a significant percentage of financial institutions are expected to leverage AI models to enhance their data intelligence capabilities [57]. Blockchain and Digital Currency - The report predicts that by 2026, a notable portion of cross-border payments will be facilitated through blockchain technology, enhancing transaction efficiency and reducing costs [64]. - Central Bank Digital Currencies (CBDCs) are anticipated to play a crucial role in the future of digital payments, with a growing emphasis on security and efficiency [58][84]. Privacy-Preserving Computing - Privacy-preserving computing technologies are becoming increasingly important for enabling secure data sharing and collaboration among financial institutions [66][92]. - The report suggests that the application of privacy-enhancing technologies will expand from retail to corporate business applications, addressing the need for secure data management [67]. Quantitative Trading - The report notes the rapid development of quantitative trading strategies among financial institutions, driven by advancements in AI and machine learning technologies [71][73]. - High-frequency trading is expected to increasingly rely on low-latency technologies to improve execution efficiency and success rates [74].