金融科技：数据科学与AI驱动的智能转型概览

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金融科技（FinTech）在推动现代经济、社会和技术发展方面的作用日益凸显，特别是在新一代信息技术的驱动下，智能FinTech（Smart FinTech）应运而生。Smart FinTech主要依靠数据科学（Data Science）和新一代人工智能（New Generation AI，简称DSAI）技术，旨在整合广泛的技术手段，实现金融和经济的智能化、自动化，包括银行业务技术（Banking Tech）、交易技术（Trade Tech）、贷款技术（Lend Tech）、保险科技（InsurTech）、财富管理技术（Wealth Tech）、支付技术（Pay Tech）、风险管理技术（Risk Tech）、加密货币和区块链等领域的创新。研究焦点在于探索如何运用复杂系统方法、定量分析、智能交互、识别与响应、数据分析、深度学习、联邦学习、隐私保护处理、增强和优化等DSAI技术，来提升金融服务的效率和个性化。智能FinTech的目标是打造一个全面、高效且个性化的经济和金融业务生态系统，以促进整个行业的转型和升级。具体来说，银行可以利用DSAI技术进行客户行为分析，提高信贷决策的精准性；贸易技术则通过自动化流程和预测分析，降低交易成本并加强市场洞察；在贷款领域，DSAI能帮助风险评估和信贷审批过程自动化，提升贷款服务质量；保险科技则依赖于机器学习算法，实现个性化保险产品推荐和理赔处理；财富管理通过大数据和AI，提供定制化的投资建议和财富规划；支付技术借助区块链技术，保障交易安全和透明度；风险技术则运用智能监控和预测模型，提前预警潜在风险；至于加密货币和区块链，DSAI的应用有助于提高其安全性、监管合规性和交易速度。金融科技中的数据科学与人工智能是一股强大的驱动力，它正在重塑金融行业的面貌，为企业和个人带来前所未有的便利和机遇，同时也对传统金融模式提出了挑战。未来的研究将继续深入探索DSAI在FinTech领域的潜力和边界，以期实现更高效、更可持续的金融服务生态。

pricing; optimizing, validating and risk-managing credit

loans; creating, mining, securing, risk-managing and op-

timizing digital currencies including cryptocurrencies;

creating, securing, evaluating, risk-managing and opti-

mizing mobile banking businesses and services; person-

alizing, automating, validating, securing, risk-managing

and optimizing Internet/online banking; enabling, per-

sonalizing, automating, securing, risk-managing and

optimizing open banking; evaluating, securing and risk-

managing shadow banking; and developing smarter and

more automated, personalized, mobile and engaging

banking services; etc.

Smart insurance enables insurance products, sys-

tems and services to ensure safe/secure, cost-effective,

proactive, tailored, trustful, resilient, secure and risk-

averse health, car, home/content/building, travel and

other businesses. The DSAI research for enabling smart

insurance includes those for tailoring individual, busi-

ness and commercial insurance products and services;

enabling early, active and evolving insurance fraud de-

tection; making active, personalized and time-varying

recommendations of insurance products and services;

evaluating, analyzing, detecting, managing and opti-

mizing insurance risk and compliance; evaluating, au-

tomating, detecting and optimizing insurance security;

creating novel insurance models, products and services;

evaluating, automating and improving insurance busi-

ness operations; and integrating, recommending and

optimizing multi-policy, multi-product and cross-selling

insurance products and services; etc.

Smart lending supports lending, loan and mort-

gage businesses and services that are risk-averse, per-

sonalized, context-oriented, predictive, efficient, robust

and secure for individuals, enterprises or projects. DSAI

research directions for smart leading cover businesses

and tasks such as for addressing relevant aspects and

problems through blockchain; automating crowdfund-

ing, e.g., campaign design and strategy optimization;

creating and optimizing distributed ledger technologies;

enabling fundraising such as by creating personalized

recommendations, efficient fundraising models, and in-

telligent services; analyzing, detecting, managing and

mitigating lending risk and security; enabling smart, ef-

ficient and low-risk peer-to-peer lending; and creating,

validating and optimizing smart contracts; etc.

Smart markets and trading involves very broad

EcoFin businesses and widely-explored DSAI tech-

niques for intelligent capital, commodity, currency,

energy, commerce, property and other markets, and

supplies predictive, active, dynamic, risk-averse, anti-

fragile, and high-utility trading strategies, support and

services. The DSAI-driven smart markets and trading

can support many tasks, e.g., for designing, automating

and optimizing novel, secure, smart and personalized fi-

nancial mechanisms, models, products, and services for

equity and derivative markets; making and optimizing

algorithmic trading, arbitrage trading, high frequency

(cross-market) trading, and institutional trading across

equity, commodity and currency markets; modeling, au-

tomating and optimizing digital asset pricing and credit

scoring; enabling smart e-commerce for personalized re-

tail businesses; enabling smart, efficient, personalized

and secure Internet finance; conducting portfolio an-

alytics and enabling smart portfolio management; en-

abling predictive trading and strategic trading; design-

ing, automating and optimizing trading strategies, al-

gorithms and platforms; enabling and optimizing so-

cially responsible investment; modeling, evaluating and

optimizing trading complementarity and substitution-

ary; and characterizing and improving trading incen-

tives and campaign; etc.

Smart Internet finance has evolved from Internet

banking to third-party payment, peer to peer lending

(P2P lending), crowdfunding, and digital currencies,

which also involve their supporting designs, operations,

services, evaluation, compliance, and security (trust).

More broad Internet financial services include Inter-

net platforms, data and technology-driven financing,

fund, lending, insurance, payment and markets asso-

ciated with individuals, corporate organizations, spon-

sors, and regulators. Typical FinTech for smart Inter-

net finance includes inventing new Internet technologies

and services to enable the above products and services;

enabling efficient, trustful, secure and convenient In-

ternet banking services, authentication, active compli-

ance checks, outlier detection, and connections to other

banking businesses such as mobile banking; enabling

equity, product and reward-based crowdfunding mech-

anisms, projects and their developments and risk man-

agement, e.g., default prediction, evaluating the success

and risk of crowdfunding projects, automatic screening

of illegal fundraising, evaluating and managing herd-

ing effect, social networking and mutual influences, and

advising government regulation on investors and corpo-

rate; optimizing P2P lending bidding mechanisms and

loan evaluation, predicting and managing P2P lending

herding effect and information asymmetry, and evalu-

ating their influence and systemic risk on investment

and the economy; optimizing pricing, price volatility

and fluctuation, payment accuracy, risk on investment,

regulation, operation security and efficiency of digital

currencies. Other areas where DSAI may contribute in-

clude enabling, securing, and regulating so-called big

data finance, information-driven financial institutions,

and smart systems and services for Internet finance.

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金融科技：数据科学与AI驱动的智能转型概览

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