5月14日，信也科技(FINV)盘中上涨2.42%，截至00:18，报8.87美元/股，成交170.61万美元，总市值 22.48亿美元。 凭借先进的科技能力,信也为B端机构提供了贯穿营销、技术、风控等各业务线的BOT一站式全覆盖综合 服务,助力机构提高业务效率,实现合规与风险的可控。同时,信也科技近年来持续加大在科技领域的投入, 并与浙江大学和中国人民大学建立了深度合作,积极探索人工智能以及数字普惠金融领域,进而打造产学 研融合通道,助力中国在人工智能等先进技术应用领域的突破和发展。 本文源自：金融界 作者：行情君 5月21日，信也科技将披露2025财年一季报（数据来源于纳斯达克官网，预计披露日期为美国当地时 间，实际披露日期以公司公告为准）。 资料显示，信也科技集团是在美上市的金融科技集团,力图通过大数据、人工智能等先进技术实现"科技, 让金融更美好"的使命,推动金融服务从可获得进一步向可负担、可信任和可享受进化,最终成为最受用户 欢迎,最受伙伴信任的金融科技平台。 信也科技的业务涵盖科技驱动的消费金融业务、国际化业务以及财富中介业务,始终坚持以创新技术服 务大众、赋能机构,助力实体经济发展。立足中国,信 ...

当前，银行业正经历一场由数字化、智能化技术驱动的深刻变革。在这一过程中，金融科技子公 司作为技术创新的引擎，通过推动技术落地、业务重构和人才培养，正在重塑银行业的服务模式 与竞争格局。 在极客时间主办的 2025 DTDS 全球数智人才发展大会上，北 银金科党委书记，副总经理赵瑞兰 发表了题为《北银金科数智化时代的人才培养与组织变革共生之道》的演讲，介绍了北银金科过 去几年来在数智化转型过程中的实践经验以及人力资源部门与管理层战略对齐的思路。以下内容 由极客时间基于本次演讲内容进行编辑。 北银金科企业介绍 北银金科作为北京银行的科技子公司，成立于 2019 年 5 月 16 日。它是在银行业数字化转型的 大背景下诞生的。作为效率革新与成本控制的双重引擎，科技发挥重要作用，在前期投入阶段有 着较强的规模效应，需要更多的人员投入与资源积累，北银金科也是由此而生。 我们以北京银行"数字京行"的战略为指引，定下了"服务母行、做精产品、做优技术、做强实力"的 发展目标，以科技创新激发高质量发展新动能，为北京银行数字化转型提供坚实支撑。 北银金科的职能 定位分为三个方面，分别是以客户为中心的"一个原则"，助推北京银行数字 ...

金融科技（FinTech）行业 | 洞察报告 核心摘要： 在信创建设稳步推进的背景下，建设以技术迭代与创新化应用为核心驱动的金融业务价值提升体系 ， 政策 聚焦 "科技-产业-金融"为主体的科技金融循环体系建设，强调数据要素在金融业务场景的多元化、依法合 规应用 。 金融市场的繁荣与科技行业的飞速发展共同推动国内金融科技市场规模持续走高，预计将以约 13.3%的复合增长率于2028年突破6500亿元 。本篇报告将结合业内专家观点与典型案例展示，分析在 《金融科技发展规划（ 2022-2025）》收官之年，国内金融机构数智化转型进程与金融科技行业的发展现 状。 iResearch-卓越者 评估指标介绍 评测说明：评测模型主要包括服务厂商的行业深耕程度、产品与技术能力、服务能力及生态能 力四个核心维度，最终评测结果的产出来自于对以上四个核心维度的综合考量，为了更全面的 量化各服务厂商在核心维度下的具体表现，将核心维度进一步拆分至二级、三级评价指标，并 给予其不同的评测重要程度等级，具体指标如下图所示： iResearch- 卓越者 入围厂商（1/3） 中国金融科技行业卓越服务厂商TOP50榜单 iResearch ...

金证股份的参股公司金证优智和金智维也在AI领域取得了不俗的成果。金证优智的文档平台和智能平 台，通过AI技术实现了文档抽取、审核、撰写等功能，有效提高了生产力。而金智维则以DeepSeek等 优秀开源模型为底座，微调出适用于企业业务场景的AI Agent，推出Ki-AgentS产品，融合了大模型动 态规划与RPA可控性优势，进一步提升业务流程的执行效果。 在人工智能技术浪潮席卷全球的当下，金融科技领域正经历着前所未有的变革。金证股份紧跟前沿趋 势，在这波技术浪潮中进行了全面的技术布局。自2023年以来，金证股份在AI领域相继推出了自研金 融大模型K-GPT、基于代码大模型的应用"编程助手Copilot"以及智能体应用平台，构建起覆盖AI基础设 施、应用开发到场景落地的完整技术体系。 目前，金证AI技术应用已在金融科技业务多个领域初显成效。首先在财富管理领域，公司围绕FS2.5新 一代核心交易系统，打造了业务百事通、智能领航员等多个智能体，通过检索专业知识库，大幅提升业 务办理速度。在资产管理领域，金证基于A8新一代投资交易系统，构建了智能交易、智能风控等多个 应用场景。 在机构运营领域，公司依托大模型应用平台 ...

Core Viewpoint - The article emphasizes the need for China to transition from a production-oriented society to a consumption-oriented society to stimulate domestic demand and economic growth, especially in light of increasing external pressures and trade tensions [1][2][3]. Summary by Sections Transition to a Consumption-Oriented Society - The shift to a consumption-oriented society does not imply a reduction in production but rather a more balanced and sustainable relationship between consumption and production [2]. - Historical trends show that as economies develop, they typically transition from a production-oriented focus to a consumption-oriented one, with consumption's share of GDP following a U-shaped curve [4]. Misconceptions About Economic Growth - A common misconception is that increasing consumption will lead to a decline in economic growth; however, if consumer demand is weak, business investment will also decline, leading to slower economic growth [5]. - Data indicates that high consumption ratios do not necessarily correlate with lower economic growth rates, as evidenced by various countries with differing consumption shares and growth rates [7][8]. Current Economic Context in China - China's per capita GDP is approximately $12,000, similar to South Korea's level in 2000, suggesting significant room for growth in both consumption and investment [11]. - The current economic pressure in China is partly due to underutilized consumer demand, which can be addressed by enhancing consumption growth without sacrificing overall economic growth [11]. Role of Government and Policy Changes - The government needs to adjust the income distribution system and reform fiscal policies to encourage consumption, including increasing the labor income share in GDP [19][20]. - A proposed plan could aim for a doubling of national income over ten years, which would significantly boost consumer spending and position China as the largest consumer market globally [19]. Corporate Responsibility - Companies should enhance employee compensation and focus on quality and brand competition to foster a consumption-oriented environment [23][24]. - The emphasis should be on improving operational efficiency and reducing excessive competition, which can lead to better consumer experiences and higher overall consumption [24].

Financial Data and Key Metrics Changes - Total Block gross profit was $2,290 million, up 9% year over year [11] - Adjusted EBITDA was $813 million, up 15% year over year, and adjusted operating income was $466 million, up 28% year over year [14] - Adjusted free cash flow for the trailing twelve months ending in March was $1,530 million compared to $1,070 million a year ago [15] - Adjusted operating income margin is expected to be approximately 19% for the year [21] Business Line Data and Key Metrics Changes - Square's gross profit grew by 9% year over year, driven by GPV growth of 7.2% [12] - Cash App gross profit was up 10% year over year, with gross profit per monthly transacting active reaching $81 [13] - Cash App's growth was impacted by changes in consumer spending behavior, particularly in discretionary spending areas [14] Market Data and Key Metrics Changes - Global GPV growth for April was expected to be 9.6% year over year [20] - High single-digit GPV growth is expected in the second quarter [20] Company Strategy and Development Direction - The company aims to accelerate growth in the second half of the year, focusing on product velocity and market expansion [9] - Plans to expand Cash App's network, particularly targeting teens and families, and increasing marketing spend [9][30] - The company is prioritizing AI automation to enhance productivity and customer engagement [32] Management's Comments on Operating Environment and Future Outlook - Management acknowledged a more dynamic macro environment and reflected a cautious stance in guidance [15][40] - The company expects gross profit growth of 12% for 2025, with a more cautious approach embedded in the guidance [16][40] - Management expressed confidence in the ability to navigate potential short-term volatility while building for long-term growth [23] Other Important Information - The company received FDIC approval to issue consumer loans for Cash App Borrow nationwide, which is expected to double the number of eligible actives [16][18] - The launch of Cash App Afterpay is anticipated to drive growth and enhance customer engagement [19][50] Q&A Session Summary Question: Insights on macro uncertainty and Cash App performance - Management discussed internal changes and improvements in Square, leading to market share gains, while acknowledging the need for more focus on Cash App's network density [28][30] Question: Changes in consumer behavior and macro assumptions - Management noted a shift in consumer behavior during tax refund season, leading to a more cautious outlook for guidance [39] Question: Cash Card Afterpay functionality and adoption - Management highlighted strong early results from the integration of Cash App and Afterpay, with plans to scale thoughtfully [48][50] Question: Confidence in expanding Borrow and underwriting models - Management expressed confidence in the underwriting models and the ability to manage risk effectively while expanding Borrow [55][56] Question: Expectations for Square GPV growth - Management expects Square GPV growth to accelerate to high single digits in the second quarter, with cautious guidance reflecting broader macro conditions [105]

海联金汇（002537）今日跌10.04%，成交额20.30亿元，换手率23.33%，盘后龙虎榜数据显示，深股通 专用席位买入6177.99万元并卖出4584.93万元，2家机构专用席位净买入3305.49万元。 ...

Core Viewpoint - Ant Group is expected to restart its IPO process by the end of 2024 or early 2025, following significant regulatory approvals and internal leadership changes, although uncertainties remain regarding its successful execution [1][4]. Group 1: IPO and Regulatory Environment - Ant Group's IPO was initially halted in 2020 due to regulatory changes, leading to a three-year rectification period [2][3]. - The company has obtained several key business licenses, including for digital RMB pilot participation, indicating regulatory trust and paving the way for its IPO [1][4]. - The appointment of a new CEO with investment banking experience suggests preparations for the IPO, aligning with the timeline for A-share listing requirements [1][4]. Group 2: Market Competition and Challenges - The delay in Ant Group's IPO has allowed new fintech companies to emerge, increasing competition in the market, particularly from WeChat Pay in the payment sector and traditional banks in credit services [4][9]. - Regulatory pressures remain significant, with stricter standards for the fintech industry, necessitating ongoing compliance efforts from Ant Group [4][5]. Group 3: Business Transformation and Innovation - Ant Group has undertaken major adjustments to its traditional business lines, focusing on risk management and optimizing user credit mechanisms for products like Huabei and Jiebei [5][6]. - The company is heavily investing in AI, establishing a dedicated department for AI innovation, and launching various AI applications aimed at enhancing consumer and financial services [6][8]. - Ant Group's strategy includes building an ecosystem in the AI field through investments in multiple AI companies, indicating a commitment to innovation despite regulatory challenges [7][8]. Group 4: Future Outlook and Strategic Focus - The AI strategy is viewed as a critical component for Ant Group's future, with ambitions to reshape consumer experiences and enhance data services in the B2B sector [8][9]. - Despite the potential of its AI initiatives, Ant Group faces challenges such as technological limitations, market competition, and regulatory scrutiny that could impact its success in the AI domain [9].

在国家大力推动普惠金融发展,全力破解小微企业融资难题的关键时期,2025年4月25日14:00,一场聚焦金融创新与小微企业发展的盛会 —— 由中共北京市委 金融委员会办公室主办的北京畅融工程活动,于北京市京师律师大厦盛大启幕。本次活动邀请了北京地区20余家银行参与,更有超百家企业代表到场,共同见证 金融科技赋能小微企业融资的重要时刻。活动中,华城瑞讯(北京)信息科技有限公司无疑成为全场瞩目的焦点,其人工智能创新成果为小微企业融资困境带来 了新的曙光。 活动开场,中国中小企业协会朱玉先生发表致辞,强调了小微企业在国民经济中的重要地位,以及金融科技对小微企业发展的关键推动作用。14时15分,华城瑞讯 重磅推出自主研发、全国首创首发的 人工智能22°智・融资Agent,并在现场开展企业应用体验。这款人工智能 Agent 基于deepseek大模型并通过企业服务垂直 领域深度学习,能够不断优化和提升自身的分析与决策能力。它构建了高度智能化且高质量的金融服务模型,该Agent不仅依托先进算法架构与强大的海量金融 大数据分析能力,精准洞察小微企业在融资过程中的痛点与需求,还通过对企业经营数据、财务状况、信用记录等多维度信 ...

数据四舍五入，查看更多财务数据>> 三、分红送配方案情况 本次公司不分配不转赠。 二、前10名无限售条件股东持股情况 前十大流通股东累计持有： 5699.94万股，累计占流通股比： 16.93%，较上期变化： 12.75万股。 | 名称 | 持有数量(万股) | 占总股本比例(%) | 增减情况(万股) | | --- | --- | --- | --- | | 沈飒 | 2762.39 | 8.21 | 不变 | | 罗文华 | 1071.82 | 3.19 | 3.19 | | 香港中央结算有限公司 | 504.77 | 1.50 | 104.17 | | 杨承宏 | 293.40 | 0.87 | 不变 | | 华宝中证金融科技主题ETF | 273.41 | 0.81 | -3.12 | | 杨传贤 | 243.81 | 0.72 | 新进 | | 武淑清 | 167.12 | 0.50 | 新进 | | 陈滨 | 142.00 | 0.42 | 40.70 | | 华商优势行业混合 | 125.79 | 0.37 | 新进 | | 王振 | 115.43 | 0.34 | 新进 | | | 较上个报 ...