The evolution of the Internet has brought about new changes in financial technology

A new wave of Internet development embracing the real economy is being staged in all walks of life.The new species represented by blockchain, metaverse and web3.0 almost all focus on the deep integration with the real economy.Constantly find a new development breakthrough from such a deep integration, to get rid of the “Internet +” type of development model dominated by scale and efficiency, increasingly become a trend and trend.The same is true for fintech, which is born under the “Internet plus” model.Fintech was once dubbed “the second Internet finance” and “the ultimate destination of the Internet”. In the final analysis, fintech is just a continuation of the Internet model.Although fintech has avoided the storm of Internet financial reshuffle by transferring the target object from end C to end B, it cannot achieve long-term development just by defining itself as an existence outside the real economy and real industry.

The advent of the Internet embracing the era of real economy provides a new opportunity for the reform of fintech.So far, fintech no longer exists under the cloak of the Internet, just like the Internet finance in the past, but a deep integration of finance and technology.So far, fintech is no longer just a simple matchmaking and intermediary like the previous Internet model, but has become a deep presence in all aspects of the industry;At this point, fintech is no longer a non-financial and non-technological existence, but has become an existence with its own distinctive characteristics.In my opinion, a truly new era of fintech has begun.

Financial technology is no longer a synonym for Internet finance. The birth and development of financial technology are reviewed. Internet finance plays a very important function and role.In a sense, fintech is the synonym and haven of Internet finance.Whether it is the head of the Internet giants, or those once thriving Internet financial players, they will be committed to the embrace of fintech, one of the most important reasons is that they want to use fintech to avoid the regulation and reshuffle of Internet finance.It has to be said that such an approach does have some effect.We have seen that by fully embracing fintech, many Internet financial players have indeed eluded the regulation of Internet finance.However, if fintech is only regarded as a coat and a concept without giving it new concepts and connotations, then fintech will still fall from the dust and return to the ordinary.When the wave of Internet embracing the real economy began to come and appear, we saw that fintech began to not only act as a synonym for Internet finance, but began to enrich and improve its own connotation and meaning.Today’s fintech plays more of the functions and roles of new infrastructure and new internal elements of the real economy.Through their deep integration with the real economy, they begin to constantly transform the real economy, constantly optimize the real economy, and constantly open new ideas for the development of the real economy.

In a word, fintech is no longer a synonym for Internet finance, but begins to form its own connotation, its own business model and its own operating logic.With these supports, the development of fintech can truly enter a new stage of development.This is the real change and rebirth of fintech.Otherwise, fintech is still just a synonym for Internet finance, and can never find a suitable development path for itself.

Fintech is no longer a harvester of traffic. In the past, people have questioned fintech largely because of its inextricable connection with traffic.At the end of the day, so-called fintech is still a tool for gamers to harvest traffic.As the Internet begins to return to the physical, and especially as decentralized models begin to blur the boundaries of traffic, what we are seeing is that fintech is starting to move away from the previous development model of traffic as the lifeline and start to find a new development model.In this process, fintech is no longer a harvester of traffic, but a part of it.We all know that for many fintech players, they see the B-end users as their new target audience.Whether it is to enable B-side users related to finance, or to support other B-side users, we can clearly see that traffic plays a very important function and role.In the end, fintech is still the harvester of traffic and the lifeline of traffic.When the Internet embraces the era of real economy, we see that fintech players no longer simply look at their own development from the perspective of traffic, but take the initiative to penetrate into the traffic it has known in the past, and actively become a member of the traffic.Whether in the role of enabler and transformer, or in the role of enabler and enabler, fintechs are beginning, bit by bit, to disconnect themselves from traffic and define each other in new relationships.

When fintech starts to bid farewell to the “obsession” and “paranoia” of traffic, its development can bid farewell to the previous development mode and truly enter a new stage of development.Fintech players may not be moving as fast at this stage of development, but they are no less imaginative.

Fintech is no longer a simple integration of the Internet. As mentioned above, many people only regard fintech as the destination and destination of the Internet.In the final analysis, the so-called fintech is just a simple integration of the Internet, just the ultimate embodiment of the Internet.In essence, fintech is still the Internet, but it is just a combination of the Internet.Although the definition of fintech in this way can indeed promote its development to some extent, it is too simple and narrow to define fintech as the aggregator of the Internet in the context of the evolution and rebirth of the Internet itself.After trial and trial, especially in the context of many new technologies that have come of age, we see that fintech is no longer just a simple integration of the Internet, but is beginning to act more as an integrator of new technologies.For the current fintech, it is no longer the evolution of the primary stage of Internet technology represented by big data and cloud computing, but more represents the deep derivation of many new technologies represented by artificial intelligence and blockchain.For the current fintech, it represents more of a new technology landing and application of the “test field”.

Through it, more and more new technologies began to find ways and methods to combine with the real economy and industry, and began to open a new position to embrace the real economy and industry.In this process, fintech no longer just plays the role of simple integration of the Internet, but begins to play more of a stage for the display and application of new technologies.

Fintech is no longer a copy of finance and technology. Fintech has always been viewed as either/or.More specifically, people’s perception of fintech is non-financial, that is, technological.Such a one-sided, extreme and general understanding eventually leads the development of fintech into a dead end.If we look for signs that the development of fintech has entered a new era, the author believes that a new way of looking at and defining fintech is undoubtedly an important aspect, rather than just seeing fintech as an either-or existence.When we look at fintech today, it’s very clear that it’s more of a brand new role.In such a new role, we can see both the color of finance and the color of technology;We can see the shadow of both finance and technology.But what fintech really shows is the absence of a whole new attitude.If I summarize this new attitude of fintech, I think fintech is more like a digital existence.In such a new form, fintech not only acts as a new element of traditional industries, but also acts as a new driver of traditional industries.With such a new role, fintech is no longer a copy of finance in a simple sense, or a copy of technology in a simple sense, but an existence with its own distinct characteristics.If the role of fintech is summarized, the author is more willing to define the current fintech as a supply chain system that runs through the entire industry and an industrial chain system that goes deep into different processes and links of the industry.For anyone who wants to make a difference in the current era of fintech, defining themselves in such a new role may be the right choice.


When the development of the Internet embracing the real economy began to take place in all walks of life, we saw that fintech itself also began to undergo a deep and thorough change.For fintech, this is an inevitable trend.Only after such a stage of development can the development of fintech enter a completely new stage of development.Only by recognizing such a new development and change of fintech, and finding the new opportunities and new dividends revealed behind such a new development and change, can fintech truly transform and regenerate.


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