How to do Internet finance: 10-day hot topics and structured analysis
With the rapid development of the digital economy, Internet finance has become an important branch of the financial industry. This article will combine popular topics and hot contents across the network for the past 10 days to structure the current situation, trends and practical methods of Internet finance to provide reference for practitioners.
1. The latest hot topics on Internet finance (next to 10 days)
| Ranking | Hot Topics | Popularity index | Main discussion direction |
|---|---|---|---|
| 1 | Digital RMB pilot expansion | 9.5/10 | Application scenarios, technical architecture |
| 2 | AI empowers financial risk control | 8.7/10 | Machine learning, anti-fraud |
| 3 | The application of blockchain in finance | 8.2/10 | Cross-border payments, supply chain finance |
| 4 | Internet finance regulatory policy | 7.9/10 | Compliance requirements, license management |
| 5 | Open Banking Development | 7.5/10 | API economy, ecological cooperation |
2. The core practices of Internet finance
1.Technology-driven innovation
The essence of Internet finance is technology-driven financial innovation. The integrated application of technologies such as big data, artificial intelligence, and blockchain is reshaping the form of financial services. Financial institutions need to establish a complete technical middle platform to achieve rapid iteration and innovation.
2.User-centric product design
Internet financial products need to focus on user needs and provide personalized services through accurate user portraits and behavioral analysis. At the same time, we must pay attention to the optimization of user experience and lower the threshold for use.
3.Strict risk control system
The core of finance is risk management. Internet financial enterprises need to establish a multi-level risk control system, including:
| Risk control level | Main measures | Technical support |
|---|---|---|
| beforehand | Identity authentication, anti-fraud | Biometrics, big data |
| In the process | Real-time monitoring, limit management | Stream computing, rule engine |
| afterwards | Collection management, blacklist | Machine learning, graph analysis |
4.Compliant operation
Internet financial companies must strictly abide by regulatory requirements, including but not limited to:
3. Development trends of Internet finance
1.Open banking becomes mainstream
Opening banking capabilities through APIs and building a financial ecosystem is the main direction of future development. Data shows that the size of the global open banking market is expected to grow from US$7.4 billion in 2021 to US$43.2 billion in 2026.
| years | Market size (USD 100 million) | Annual growth rate |
|---|---|---|
| 2021 | 74 | - |
| 2022 | 112 | 51% |
| 2023 | 168 | 50% |
| 2024 | 252 | 50% |
| 2025 | 378 | 50% |
| 2026 | 432 | 14% |
2.In-depth development of inclusive finance
Internet finance will continue to sink to serve small and micro enterprises and individual users that are difficult to cover in traditional finance. Reduce service costs through technical means and improve financial accessibility.
3.RegTech emerges
As supervision becomes stricter and compliance costs rise, using technical means to improve compliance efficiency will become the industry standard. It is expected that by 2025, the global RegTech market size will exceed US$16 billion.
IV. Practical suggestions
1.Strengthen technology investment: It is recommended to invest 15-20% of the annual revenue in technology research and development, focusing on cutting-edge fields such as artificial intelligence and blockchain.
2.Building ecological cooperation: Establish strategic cooperation with technology companies and scenario parties to jointly develop innovative financial products.
3.Pay attention to talent training: Compound talents who understand both finance and technology are the core competitiveness, and a complete talent training system is needed.
4.Stable management: While pursuing innovation, we must always put risk control and compliance operations first.
Internet finance is in a period of rapid development, with opportunities and challenges coexisting. Only by grasping technical trends, adhering to compliance operations, and being user-centered can we stand out in the fierce market competition.
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