隨著全球數(shù)字化進程的加速推進，金融科技成為了當(dāng)今世界各國經(jīng)濟的重要支撐。在這一趨勢下，人們對于如何利用金融科技來促進個人經(jīng)濟發(fā)展產(chǎn)生了更多關(guān)注和思考。

作為一個正在崛起的概念，在過去幾年里，“金融科技”已逐漸深入到我們?nèi)粘Ｉ钪?，并對傳統(tǒng)銀行業(yè)務(wù)模式帶來了顛覆性影響。從移動支付、P2P網(wǎng)絡(luò)借貸、區(qū)塊鏈到大數(shù)據(jù)風(fēng)控等方面，金融科技正以前所未有的方式改變著我們與資本市場之間互動方式。

首先, 移動支付是其中最受歡迎也最直觀體現(xiàn)出便捷性和高效率的應(yīng)用之一。通過手機APP或其他智能設(shè)備進行付款已成為當(dāng)今社會不可或缺的服務(wù)項目?！皰叽a支付”、“二維碼收款”等功能早已讓線上線下交易變得輕松自如；而“無感支付”更是將消費者購物體驗提升至極致——只需走出商店即完成結(jié)算并收到賬單信息通知。

其次, P2P網(wǎng)絡(luò)借貸平臺則打破了傳統(tǒng)信貸機制限制，使得小微企業(yè)及個人可以通過在線平臺獲取相對低息甚至零抵押擔(dān)保條件下的資本支持。這種新型信貸模式使得原本因缺乏抵押品或信譽問題而被排除在外部分群體有望實現(xiàn)真正意義上公平競爭權(quán)益，并有效解決針對特定目標(biāo)對象（比如創(chuàng)業(yè)初期公司）很難取得銀行放款支持問題。

此外, 區(qū)塊鏈作為近年來備受熱議和投入使用廣泛度愈發(fā)增長地底層基礎(chǔ)設(shè)施，則具有非同尋常革命價值：它不但徹底顛覆當(dāng)前存在于所有中心化系統(tǒng)構(gòu)建橋接點處需要耗費巨額時間與資源開銷情況(包含法院司法程序) ，同時還成功防范篡改記錄事件可能造成后果結(jié)果 —— 諸如虛假證件偽造案例 。總之 , 完美確立安全驗證環(huán)節(jié)步驟流程 - 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