2024年中国金融科技（FinTech）行业发展洞察报告

Industry Investment Rating - The report provides a positive outlook on the FinTech industry in China, highlighting significant growth potential driven by technological advancements and regulatory support [5][12] Core Viewpoints - FinTech is transforming traditional financial services by integrating AI, blockchain, and big data, enhancing operational efficiency and user experience [5] - The industry is moving towards a "super-regulated" era, with a focus on data governance and financial scenario construction [7][8] - The integration of technology and business (业技融合) is becoming a key development goal, emphasizing the need for technology to align with business needs [10][11] Industry Background - FinTech is leveraging advanced technologies like AI, blockchain, and big data to optimize financial services and improve risk management [5] - The industry is shifting from a technology-driven phase to a business-driven phase, focusing on the integration of technology and business processes [10][11] Technological Trends - Multimodal Data Processing: Enhances AI capabilities by integrating multiple data sources, improving risk management and customer marketing [18][19] - Low-Code Platforms: Facilitates rapid development of financial applications, reducing the technical barrier for financial institutions [21][22] - Financial Large Models: Integrates data, algorithms, and computing power to provide advanced AI-driven financial services [25][26] - AI Digital Humans: Evolves from text-based interactions to multimodal interactions, offering more personalized customer experiences [29][30] - RPA Integration: Combines RPA with AI and process mining to automate complex financial workflows [32][33] - Cloud-Edge Collaboration: Utilizes edge computing to enhance data processing efficiency and security [36] - One-Cloud Multi-Chip Platforms: Supports multi-chip compatibility, crucial for financial cloud infrastructure [40][41] - Privacy Computing: Ensures secure data sharing through hardware-software integration [45][46] - Cloud-Native Security: Focuses on securing cloud-based financial applications from development to deployment [47][48] Business Applications - Banking: FinTech applications in banking focus on precision marketing and intelligent risk control, with a projected 11% CAGR in FinTech investment, reaching ¥420 billion by 2027 [50][58] - Insurance: FinTech optimizes underwriting and claims processes, with a projected 13.9% CAGR in FinTech investment, reaching ¥87 billion by 2027 [51][66] - Securities: FinTech enhances intelligent investment advisory systems, with a projected 15.6% CAGR in FinTech investment, reaching ¥74.5 billion by 2027 [52][73] Outstanding Enterprises & Case Studies - Ant Group's Mozi: A leader in privacy computing, Mozi provides secure data sharing solutions and has won multiple international awards for its technology [92][93] - Top 50 FinTech Service Providers: The report lists 50 leading FinTech service providers, categorized into comprehensive tech service providers, FinTech IT service providers, core technology application service providers, and financial business digital innovation service providers [84][85][86][87]