{"id":37777,"date":"2021-05-28T19:51:56","date_gmt":"2021-05-28T19:51:56","guid":{"rendered":"https:\/\/www.sisinternational.com\/?p=37777"},"modified":"2026-01-25T19:10:15","modified_gmt":"2026-01-26T00:10:15","slug":"fintech-market-research-trends","status":"publish","type":"post","link":"https:\/\/www.sisinternational.com\/zh\/fintech-market-research-trends\/","title":{"rendered":"\u91d1\u878d\u79d1\u6280\u5e02\u573a\u7814\u7a76\u8d8b\u52bf"},"content":{"rendered":"<figure class=\"gb-block-image gb-block-image-bb9a40c5\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-bb9a40c5\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6.jpg\" alt=\"SIS \u56fd\u9645\u5e02\u573a\u7814\u7a76\u4e0e\u6218\u7565\" title=\"Fintech (6)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p>Every day, new technologies, consumer behaviors, and regulatory frameworks reshape how money moves, how businesses scale, and how people interact with financial services. <strong>If you&#8217;re not staying ahead of these changes, you&#8217;re already behind.<\/strong><\/p>\n\n\n\n<p>At SIS International Research, we don\u2019t just track trends\u2014we <strong>decode<\/strong> them. We work with fintech disruptors, legacy institutions, and everyone in between to provide roadmaps for <strong>winning the future of finance<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Fintech Market Research Matters<\/strong><\/h2>\n\n\n\n<p>The fintech industry is fueled by <strong>disruption and innovation.<\/strong> Now, to succeed, you need more than just great ideas\u2014you need <strong>precision, strategy, and deep market insights.<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p><strong>Spot opportunities before they go mainstream.<\/strong> The next big thing in fintech? It\u2019s already happening. Market research helps you identify emerging technologies, shifting consumer expectations, and high-growth markets <em>\u524d<\/em> your competitors do.<\/p><\/li>\n\n\n\n<li><p><strong>Decode your customers.<\/strong> Customers today want seamless, personalized, and <strong>instant financial solutions<\/strong>. Research reveals <em>exactly<\/em> what they need and how you can deliver it better than anyone else.<\/p><\/li>\n\n\n\n<li><p><strong>Navigate regulation like a pro.<\/strong> Fintech is a regulatory minefield. Market intelligence helps you stay compliant while scaling your business without roadblocks.<\/p><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Fintech Market Research Trends in Detail:<\/h3>\n\n\n\n<figure class=\"gb-block-image gb-block-image-146eecd1\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-146eecd1\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2.jpg\" alt=\"SIS \u56fd\u9645\u5e02\u573a\u7814\u7a76\u4e0e\u6218\u7565\" title=\"Fintech (2)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u5fae\u670d\u52a1<\/h4>\n\n\n\n<p>Microservices are&nbsp;unique solutions&nbsp;that have a huge impact on the Fintech industry. They give&nbsp;the flexibility to develop innovative, groundbreaking technology and agility&nbsp;to adapt to changing circumstances and competitive forces. Microservices offer&nbsp;a completely different technology proposition. They are independent applications developed, deployed, and maintained separately to deliver on specific business requirements.&nbsp;These microservices help solve common, complex issues&nbsp;like speed and scalability while also supporting continuous testing and continuous delivery.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u7531\u4e8e\u5fae\u670d\u52a1\u5177\u6709\u4fdd\u6301\u670d\u52a1\u66f4\u5177\u7ade\u4e89\u529b\u3001\u76f8\u5173\u6027\u3001\u9700\u6c42\u6027\u548c\u9ad8\u5ea6\u54cd\u5e94\u5e02\u573a\u53d8\u5316\u7684\u6f5c\u529b\uff0c\u56e0\u6b64\u5fae\u670d\u52a1\u7684\u91c7\u7528\u6b63\u5728\u4e0d\u65ad\u589e\u52a0\u3002<\/li>\n\n\n\n<li>\u91d1\u878d\u673a\u6784\u6b63\u4e13\u6ce8\u4e8e\u4e3a\u5176\u91d1\u878d\u79d1\u6280\u5e94\u7528\u7a0b\u5e8f\u91c7\u7528\u73b0\u4ee3\u5316\u7684 IT \u67b6\u6784\uff0c\u4ee5\u52a0\u5feb\u4ea7\u54c1\u53d1\u5e03\u3001\u7b80\u5316\u5408\u89c4\u6027\u3001\u5b9e\u73b0\u5373\u65f6\u652f\u4ed8\u5e76\u6700\u5927\u9650\u5ea6\u5730\u63d0\u9ad8\u7075\u6d3b\u6027\u3002<\/li>\n\n\n\n<li>Fintech companies and banks are tapping into the benefits of microservices as they realize the difficulty of modifying their digital services with a legacy system.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u589e\u5f3a\u53ef\u6269\u5c55\u6027<\/strong> &#8211; reduced costs and low-security risks<\/li>\n\n\n\n<li><strong>\u66f4\u597d\u7684\u53ef\u91cd\u7528\u6027<\/strong> - \u5fae\u670d\u52a1\u901a\u8fc7\u6784\u5efa\u53ef\u7ec4\u5408\u7684\u6a21\u5757\u5316\u670d\u52a1\u6765\u652f\u6301\u53ef\u91cd\u7528\u6027\u3002<\/li>\n\n\n\n<li><strong>\u66f4\u5feb\u4e0a\u5e02<\/strong> - \u7531\u4e8e\u5fae\u670d\u52a1\u7684\u6a21\u5757\u5316\u7279\u6027\uff0c\u5b83\u53ef\u4ee5\u52a0\u5feb\u5f00\u53d1\u901f\u5ea6\u3002<\/li>\n\n\n\n<li><strong>\u7b80\u5316\u8c03\u8bd5\u548c\u7ef4\u62a4<\/strong><\/li>\n\n\n\n<li><strong>\u590d\u539f\u529b<\/strong> - \u7531\u4e8e\u5fae\u670d\u52a1\u6d89\u53ca\u72ec\u7acb\u7684\u5c0f\u6a21\u5757\uff0c\u56e0\u6b64\u5355\u4e2a\u5fae\u670d\u52a1\u7684\u6545\u969c\u4e0d\u4f1a\u5f71\u54cd\u6574\u4e2a\u5e94\u7528\u7a0b\u5e8f\u3002<\/li>\n\n\n\n<li><strong>\u9ad8\u54c1\u8d28<\/strong> - \u5fae\u670d\u52a1\u6709\u5229\u4e8e\u96c6\u4e2d\u6a21\u5757\u5de5\u4f5c\u3002\u8fd9\u6709\u52a9\u4e8e\u63d0\u9ad8\u5e94\u7528\u7a0b\u5e8f\u7684\u6574\u4f53\u8d28\u91cf\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u91d1\u878d\u79d1\u6280\u5373\u670d\u52a1<\/h4>\n\n\n\n<p>Fintech technologies are a desirable solution for many traditional lending companies looking to leverage advanced business functionalities and financial processes. Many Fintech startups are looking forward to selling their technology platforms as a service to corporations in the field. These FaaS platforms integrate seamlessly with any existing back-office of traditional banks and provide for non-banks a cost-effective and fast way to launch various financial products and services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>SaaS \u6a21\u5f0f\u5df2\u6210\u4e3a\u5e02\u573a\u4e0a\u6700\u6d41\u884c\u3001\u6700\u6709\u6548\u7684\u89e3\u51b3\u65b9\u6848\u4e4b\u4e00\u3002\u5404\u884c\u5404\u4e1a\u7684\u5ba2\u6237\u548c\u4f01\u4e1a\u90fd\u770b\u5230\u4e86\u8fd9\u4e00\u89e3\u51b3\u65b9\u6848\u5728\u589e\u52a0\u6536\u5165\u548c\u7a33\u5b9a\u6027\u65b9\u9762\u7684\u6f5c\u529b\u3002<\/li>\n\n\n\n<li>\u5f53\u4eca\u84ec\u52c3\u53d1\u5c55\u3001\u79d1\u6280\u524d\u6cbf\u7684\u4f01\u4e1a\u754c\u4e0e\u4f20\u7edf\u91d1\u878d\u7cfb\u7edf\u4e4b\u95f4\u5b58\u5728\u5dee\u8ddd\u3002\u91d1\u878d\u79d1\u6280\u5373\u670d\u52a1\uff08Fintech-as-a-Service\uff09\u662f\u4e00\u4e2a\u5b8c\u7f8e\u7684\u89e3\u51b3\u65b9\u6848\uff0c\u53ef\u4ee5\u5e2e\u52a9\u91d1\u878d\u4e1a\u7f29\u5c0f\u5dee\u8ddd\uff0c\u5e76\u5229\u7528\u6280\u672f\u6269\u5927\u4e1a\u52a1\u89c4\u6a21\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u9f13\u52b1\u94f6\u884c\u4ee5\u65b0\u7684\u65b9\u5f0f\u5229\u7528\u5176\u73b0\u6709\u80fd\u529b<\/li>\n\n\n\n<li>\u5e2e\u52a9\u7f29\u5c0f\u91d1\u878d\u79d1\u6280\u4e0e\u94f6\u884c\u4e4b\u95f4\u7684\u6570\u5b57\u5316\u5dee\u8ddd<\/li>\n\n\n\n<li>\u94f6\u884c\u4e1a\u548c\u91d1\u878d\u79d1\u6280\u884c\u4e1a\u7684\u5206\u652f\u673a\u6784\u6b63\u5728\u4ee5\u66f4\u5feb\u7684\u901f\u5ea6\u548c\u66f4\u9ad8\u7684\u6548\u7387\u53d1\u5c55\u3002\u65b0\u7684\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u3001\u65b0\u7684\u8eab\u4efd\u9a8c\u8bc1\u65b9\u6cd5\uff08KYC\uff09\u3001\u66f4\u597d\u7684\u53cd\u6d17\u94b1\u63aa\u65bd\uff0c\u8fd9\u4e9b\u53ea\u662f\u5176\u4e2d\u4e00\u4e9b\u5c06\u51fa\u73b0\u5de8\u5927\u521b\u65b0\u548c\u6539\u8fdb\u7684\u9886\u57df\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u5d4c\u5165\u5f0f\u91d1\u878d<\/h4>\n\n\n\n<p>\u5d4c\u5165\u5f0f\u91d1\u878d\uff08\u5982\u5148\u4e70\u540e\u4ed8\u8ba1\u5212\u3001\u5d4c\u5165\u5f0f\u4fdd\u9669\u9009\u9879\uff09\u548c\u94f6\u884c\u5373\u670d\u52a1\u4ea7\u54c1\u4ee5\u53ca\u76f8\u5173\u5408\u4f5c\u5173\u7cfb\u5c06\u51fa\u73b0\u5f3a\u52b2\u589e\u957f\u3002\u4e8b\u5b9e\u4e0a\uff0c\u6ce2\u58eb\u987f\u54a8\u8be2\u516c\u53f8\uff08BCG\uff09\u4eca\u5e745\u6708\u572815\u4e2a\u56fd\u5bb6\u8fdb\u884c\u7684\u4e00\u9879\u8c03\u67e5\u53d1\u73b0\uff0c\u5728COVID-19\u5371\u673a\u671f\u95f4\uff0c\u670944%\u768418\u81f334\u5c81\u7684\u5e74\u8f7b\u4eba\u9996\u6b21\u6ce8\u518c\u4e86\u7f51\u4e0a\u94f6\u884c\u6216\u624b\u673a\u94f6\u884c\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8fd9\u4e9b\u516c\u53f8\u91c7\u7528\u5d4c\u5165\u5f0f\u91d1\u878d--\u7c7b\u4f3c\u4e8e\u975e\u94f6\u884c\u63d0\u4f9b\u7684\u94f6\u884c\u670d\u52a1--\u65e8\u5728\u7559\u4f4f\u5ba2\u6237\uff0c\u63d0\u9ad8\u4ed6\u4eec\u6240\u8c13\u7684\u7ec8\u8eab\u4ef7\u503c\u3002<\/li>\n\n\n\n<li>\u4e3a\u4e86\u6ee1\u8db3\u65e5\u76ca\u589e\u957f\u7684\u5d4c\u5165\u5f0f\u91d1\u878d\u9700\u6c42\uff0c\u91d1\u878d\u673a\u6784\u8d8a\u6765\u8d8a\u591a\u5730\u63d0\u4f9b\u94f6\u884c\u5373\u670d\u52a1\uff08BaaS\uff09--\u6346\u7ed1\u5f0f\u4ea7\u54c1\uff0c\u901a\u5e38\u662f\u767d\u6807\u6216\u8054\u5408\u54c1\u724c\u670d\u52a1\uff0c\u975e\u94f6\u884c\u53ef\u4ee5\u5229\u7528\u8fd9\u4e9b\u4ea7\u54c1\u4e3a\u5ba2\u6237\u63d0\u4f9b\u670d\u52a1\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5ba2\u6237\u671f\u5f85\u7efc\u5408\u4f53\u9a8c\u3002\u91d1\u878d\u79d1\u6280\u516c\u53f8\u548c\u94f6\u884c\u5c06\u4e0e\u5404\u79cd\u5408\u4f5c\u4f19\u4f34\u5408\u4f5c\uff0c\u4ee5\u6ee1\u8db3\u4ed6\u4eec\u7684\u671f\u671b\u3002<\/li>\n\n\n\n<li>\u65b0\u7684\u4e1a\u52a1\u6a21\u5f0f\u548c\u6536\u5165\u6765\u6e90\u3002\u5177\u6709\u53ef\u6269\u5c55\u4e1a\u52a1\u6a21\u5f0f\u548c\u56fa\u5b9a IT \u6295\u8d44\uff08\u5982\u5206\u9500\u6a21\u5f0f\uff09\u7684\u6765\u6e90\u5c24\u5176\u6709\u5229\u3002<\/li>\n\n\n\n<li>\u91c7\u7528\u6280\u672f\u80fd\u529b\u3002\u968f\u7740\u81ea\u52a8\u5316\u548c\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3\u7b49\u6570\u5b57\u5316\u8fdb\u7a0b\u7684\u52a0\u5feb\uff0c\u91d1\u878d\u79d1\u6280\u53ef\u4ee5\u66f4\u5feb\u5730\u6269\u5c55 BaaS\uff0c\u8ba9\u66f4\u591a\u8003\u8651\u5d4c\u5165\u5f0f\u91d1\u878d\u7684\u516c\u53f8\u89e6\u624b\u53ef\u53ca\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u52a0\u5bc6\u8d27\u5e01<\/h4>\n\n\n\n<p>\u4e8b\u5b9e\u8bc1\u660e\uff0c\u6bd4\u7279\u5e01\u548c\u4ee5\u592a\u574a\u7b49\u52a0\u5bc6\u8d27\u5e01\u786e\u5b9e\u5177\u6709\u987d\u5f3a\u7684\u751f\u547d\u529b\u3002\u8fd1\u51e0\u4e2a\u6708\u6765\uff0c\u6563\u6237\u548c\u673a\u6784\u6295\u8d44\u8005\u5bf9\u6570\u5b57\u8d27\u5e01\u7684\u5174\u8da3\u6025\u5267\u4e0a\u5347\u3002\u8bb8\u591a\u6025\u4e8e\u4ece \"\u52a0\u5bc6\u8d27\u5e01\u70ed\u6f6e \"\u4e2d\u83b7\u5229\u7684\u65e9\u671f\u6295\u8d44\u8005\u540e\u6765\u8f6c\u5411\u4e86\u5176\u4ed6\u6295\u8d44\u9879\u76ee\uff0c\u7559\u4e0b\u4e86\u4e00\u5c0f\u90e8\u5206\u575a\u5b9a\u7684 HODL-er\u3002\u4f46\u6211\u4eec\u4ecd\u6709\u7406\u7531\u76f8\u4fe1\uff0c\u52a0\u5bc6\u8d27\u5e01\u884c\u4e1a\u4ecd\u6709\u4e00\u6218\u4e4b\u529b\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cryptocurrencies have dominated the investment market in recent years. Bitcoin or Dogecoin is in the news every day, Musk&#8217;s tweets are only increasing the popularity of this area.<\/li>\n\n\n\n<li>Several new developments such as increased institutional interest, pending ETF approval, and the popularity of stablecoins suggest a continued positive trend.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A lot of people want to become anonymous, especially in social media times. Cryptocurrencies are a chance of increasing privacy and keeping our data safe.<\/li>\n\n\n\n<li>Cryptocurrency market is highly attractive in terms of investments. Decreasing interest in saving accounts and low ROI from stocks and bonds only increase demand for alternative investments like cryptocurrencies.<\/li>\n\n\n\n<li>\u5404\u56fd\u653f\u5e9c\u6b63\u5c06\u52a0\u5bc6\u8d27\u5e01\u7f6e\u4e8e\u805a\u5149\u706f\u4e0b\u3002\u4e2d\u56fd\u5df2\u7ecf\u63a8\u51fa\u4e86\u7b2c\u4e00\u79cd\u6570\u5b57\u8d27\u5e01\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u6570\u5b57\u652f\u4ed8<\/h4>\n\n\n\n<figure class=\"gb-block-image gb-block-image-12a92ec0\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-12a92ec0\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9.jpg\" alt=\"SIS \u56fd\u9645\u5e02\u573a\u7814\u7a76\u4e0e\u6218\u7565\" title=\"FinTech Terch technology AI artificial intelligence (9)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>There has been a rise in the demand for new forms of digital payments, which are much more secure and reliable. This has been able to transform payments into an open ecosystem where various parties like FinTechs, banks, payment firms, etc, are trying to evolve the digital payment system by introducing new technologies. The government, on their part, is trying to come up with certain regulations in order to reduce the ecosystem threats.<\/p>\n\n\n\n<p>We were able to notice a massive growth in digital payment transactions in the span of 4 to 5 years, but with the pandemic, the growth was motivated by the need for cashless and contactless payments. Thus, Non-cash transactions are seen to be on a robust growth path.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>COVID-19 has reinforced the trend of digital adoption in payments and retail commerce across payment types and demographics.<\/li>\n\n\n\n<li>\u7136\u800c\uff0c\u6570\u5b57\u589e\u957f\u7684\u524d\u666f\u5e76\u4e0d\u5b8c\u5168\u4e50\u89c2--\u6d88\u8d39\u8005\u7684\u4fe1\u4efb\u5ea6\u7565\u6709\u4e0b\u964d\uff0c\u867d\u7136\u8d8a\u6765\u8d8a\u591a\u7684\u6d88\u8d39\u8005\u5f00\u59cb\u4f7f\u7528\u6570\u5b57\u652f\u4ed8\uff0c\u4f46\u76ee\u524d\u8fd8\u4e0d\u6e05\u695a\u6700\u8fd1\u6240\u6709\u7684\u884c\u4e3a\u8f6c\u53d8\u662f\u5426\u4f1a\u88ab\u8bc1\u660e\u662f\u6c38\u4e45\u6027\u7684\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u5168\u6e20\u9053\u5bf9\u6ee1\u8db3\u5ba2\u6237\u671f\u671b\u81f3\u5173\u91cd\u8981<\/strong>.\u867d\u7136\u6570\u5b57\u652f\u4ed8\u7684\u6e17\u900f\u7387\u5df2\u57fa\u672c\u7a33\u5b9a\uff0c\u4f46\u5168\u6e20\u9053\u652f\u4ed8\u7684\u91c7\u7528\u5374\u663e\u8457\u589e\u52a0\u3002<\/li>\n\n\n\n<li><strong>\u7f51\u4e0a\u652f\u4ed8\u6fc0\u589e<\/strong>.2020 \u5e74\uff0c\u7f8e\u56fd\u5bf9\u975e\u63a5\u89e6\u5f0f\u5361\u7684\u8ba4\u77e5\u5ea6\u548c\u91c7\u7528\u7387\u5927\u7ea6\u7ffb\u4e86\u4e00\u756a\u3002<\/li>\n\n\n\n<li><strong>\u5ba2\u6237\u4e0d\u613f\u4f7f\u7528\u73b0\u91d1<\/strong>.\u5361\uff08\u5305\u62ec\u5237\u5361\u548c\u975e\u63a5\u89e6\u5f0f\u5361\uff09\u7684\u4f7f\u7528\u7387\u8d8a\u6765\u8d8a\u9ad8\uff0c\u800c\u73b0\u91d1\u5728\u5b9e\u4f53\u5e97\u7684\u4f7f\u7528\u7387\u5374\u5927\u5e45\u4e0b\u964d\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u4f5c\u4e3a\u65b0\u94f6\u884c\u7684\u91d1\u878d\u79d1\u6280<\/h4>\n\n\n\n<p>\u5bf9\u4e8e\u8bb8\u591a\u5e0c\u671b\u5229\u7528\u5148\u8fdb\u4e1a\u52a1\u529f\u80fd\u548c\u91d1\u878d\u6d41\u7a0b\u7684\u4f20\u7edf\u8d37\u6b3e\u516c\u53f8\u6765\u8bf4\uff0c\u91d1\u878d\u79d1\u6280\u6280\u672f\u662f\u4e00\u79cd\u7406\u60f3\u7684\u89e3\u51b3\u65b9\u6848\u3002\u8bb8\u591a\u91d1\u878d\u79d1\u6280\u521d\u521b\u4f01\u4e1a\u90fd\u5e0c\u671b\u5c06\u5176\u6280\u672f\u5e73\u53f0\u4f5c\u4e3a\u4e00\u79cd\u670d\u52a1\u51fa\u552e\u7ed9\u8be5\u9886\u57df\u7684\u4f01\u4e1a\u3002\u8fd9\u4e9b FaaS \u5e73\u53f0\u53ef\u4e0e\u4f20\u7edf\u94f6\u884c\u73b0\u6709\u7684\u4efb\u4f55\u540e\u53f0\u65e0\u7f1d\u96c6\u6210\uff0c\u4e3a\u975e\u94f6\u884c\u63d0\u4f9b\u4e86\u4e00\u79cd\u4f4e\u6210\u672c\u3001\u5feb\u901f\u7684\u65b9\u5f0f\u6765\u63a8\u51fa\u5404\u79cd\u91d1\u878d\u4ea7\u54c1\u548c\u670d\u52a1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In the last decade, customer behaviors and expectations have changed dramatically. The way they do shopping, buy food, or use services is moved into digital. However, a lot of banks could not keep up with this change and that&#8217;s why Fintech gained a significant portion of the market.<\/li>\n\n\n\n<li>Fintech offers innovative and user-friendly solutions which are faster and cheaper. Moreover, <a href=\"https:\/\/www.sisinternational.com\/zh\/fintech-trends-2025\/\" title=\"FinTech Trends\"  data-wpil-monitor-id=\"6639\">Fintech can quickly adapt to new market<\/a> trends and challenges.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u91d1\u878d\u79d1\u6280\u5c06\u6210\u4e3a\u94f6\u884c<\/strong> \u5e76\u8bd5\u56fe\u6210\u4e3a\u5927\u578b\u94f6\u884c\u7684\u76f4\u63a5\u7ade\u4e89\u5bf9\u624b\uff08\u5982 Revolut \u6216 N26\uff09\u3002<\/li>\n\n\n\n<li><strong>\u94f6\u884c\u9700\u8981\u6839\u636e\u5f53\u524d\u5ba2\u6237\u7684\u671f\u671b\u8c03\u6574\u670d\u52a1\u548c\u4ea7\u54c1<\/strong>.\u56e0\u6b64\uff0c\u94f6\u884c\u6570\u5b57\u5316\u5bf9\u4e8e\u63d0\u9ad8\u5e02\u573a\u7ade\u4e89\u529b\u81f3\u5173\u91cd\u8981\u3002<\/li>\n\n\n\n<li><strong>\u91d1\u878d\u79d1\u6280\u4e0e\u94f6\u884c\u7684\u5408\u4f5c\u5c06\u66f4\u52a0\u9891\u7e41<\/strong> \u5e76\u4e3a\u5ba2\u6237\u63d0\u4f9b\u72ec\u7279\u7684\u89e3\u51b3\u65b9\u6848\uff08\u5982\u5229\u7528\u5f00\u653e\u5f0f\u94f6\u884c\u6280\u672f\u5e2e\u52a9\u5ba2\u6237\u7684 Tink \u521d\u521b\u516c\u53f8\uff09\u3002<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u5b66\u4e60<\/h4>\n\n\n\n<figure class=\"gb-block-image gb-block-image-284f7f4c\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-284f7f4c\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15.jpg\" alt=\"SIS \u56fd\u9645\u5e02\u573a\u7814\u7a76\u4e0e\u6218\u7565\" title=\"Fintech (15)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>\u65e0\u8bba\u662f\u5b9e\u4f53\u94f6\u884c\u8fd8\u662f\u91d1\u878d\u79d1\u6280\u516c\u53f8\uff0c\u91c7\u7528\u4eba\u5de5\u667a\u80fd\u89e3\u51b3\u65b9\u6848\u7684\u901f\u5ea6\u90fd\u5728\u4e0d\u65ad\u52a0\u5feb\u3002\u90e8\u5206\u539f\u56e0\u53ef\u80fd\u662f\u53d7\u5230\u4e86\u5927\u6d41\u884c\u75c5\u7684\u523a\u6fc0\uff0c\u4f46\u8fd9\u4e5f\u662f\u6211\u4eec\u65e5\u76ca\u770b\u5230\u7684\u8d8b\u52bf\u3002\u4eba\u5de5\u667a\u80fd\u548c\u673a\u5668\u5b66\u4e60\u89e3\u51b3\u65b9\u6848\u6b63\u88ab\u5e94\u7528\u4e8e\u8bb8\u591a\u4e1a\u52a1\u9886\u57df\uff0c\u4ece\u5ba2\u6237\u670d\u52a1\u804a\u5929\u673a\u5668\u4eba\u5230\u6b3a\u8bc8\u68c0\u6d4b\uff0c\u518d\u5230\u5206\u6790\u9002\u5408\u5ba2\u6237\u7684\u91d1\u878d\u4ea7\u54c1\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u4e3a\u4ec0\u4e48\uff1f<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AI and machine learning are helping in many complicated finance processes. Managing assets, evaluating levels of risk, calculating credit scores, and even approving loans are using algorithms to improve efficiency and increase revenues.<\/li>\n\n\n\n<li>\u7531\u4e8e\u6570\u636e\u91cf\u5de8\u5927\uff0c\u91d1\u878d\u662f\u4e00\u4e2a\u5bf9\u673a\u5668\u5b66\u4e60\u5f88\u6709\u5438\u5f15\u529b\u7684\u9886\u57df\uff0c\u56e0\u4e3a\u5f53\u5927\u91cf\u6570\u636e\u8f93\u5165\u7cfb\u7edf\u65f6\uff0c\u673a\u5668\u5b66\u4e60\u5f80\u5f80\u80fd\u66f4\u51c6\u786e\u5730\u5f97\u51fa\u89c1\u89e3\u548c\u505a\u51fa\u9884\u6d4b\u3002<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6548\u679c<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Better fraud detection and prevention. Machine learning works by scanning through large data sets to detect unique activities or anomalies and flag them for further investigation by security teams.<\/li>\n\n\n\n<li>Robo-advisors help with portfolio management. Robo-advisors require low account minimums and are usually cheaper than human portfolio managers.<\/li>\n\n\n\n<li>\u6539\u8fdb\u8d37\u6b3e\u6216\u63d0\u4f9b\u4fdd\u9669\u7684\u7a0b\u5e8f\u3002<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts from Ruth Stanat, CEO of SIS International Research<\/strong><\/h2>\n\n\n\n<p>Fintech is <strong>moving at warp speed<\/strong>, and if you\u2019re still relying on outdated insights, you\u2019re setting yourself up to lose. <strong><a href=\"https:\/\/www.sisinternational.com\/zh\/%e4%b8%93%e4%b8%9a%e7%9f%a5%e8%af%86\/%e8%a1%8c%e4%b8%9a\/%e8%b6%8b%e5%8a%bf%e8%bf%bd%e8%b8%aa%e5%b8%82%e5%9c%ba%e7%a0%94%e7%a9%b6\/\" title=\"\u8d8b\u52bf\u8ffd\u8e2a\u5e02\u573a\u7814\u7a76\"  data-wpil-monitor-id=\"5452\">Market research isn\u2019t just about tracking<\/a> trends\u2014it\u2019s about owning the future.<\/strong><\/p>\n\n\n\n<p>\u5728 <a href=\"https:\/\/www.linkedin.com\/company\/sisinternationalresearch\/\" target=\"_blank\" rel=\"noopener\"><strong>SIS \u56fd\u9645\u7814\u7a76<\/strong><\/a>, we deliver <strong>real-time fintech intelligence<\/strong> so our clients don\u2019t just adapt to change<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u6211\u4eec\u7684\u7ebd\u7ea6\u5de5\u5382\u5730\u5740<\/h2>\n\n\n\n<p>  <iframe loading=\"lazy\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3022.976188376966!2d-73.99130312499956!3d40.740549471389315!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x89c259a15798c731%3A0xd695d09bdd495f25!2s11%20E%2022nd%20St%20FL%202%2C%20New%20York%2C%20NY%2010010%2C%20USA!5e0!3m2!1sen!2spe!4v1726171763526!5m2!1sen!2spe\" width=\"600\" height=\"450\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe>  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7ebd\u7ea6\u5dde\u7ebd\u7ea6\u5e02\u4e1c22\u885711\u53f72\u697c 10010 \u7535\u8bdd\uff1a+1(212) 505-6805<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u5173\u4e8e SIS \u56fd\u9645<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.sisinternational.com\/zh\/\"><span style=\"font-weight: 400;\">SIS \u56fd\u9645<\/span><\/a><span style=\"font-weight: 400;\"> \u63d0\u4f9b\u5b9a\u91cf\u3001\u5b9a\u6027\u548c\u6218\u7565\u7814\u7a76\u3002\u6211\u4eec\u63d0\u4f9b\u51b3\u7b56\u6240\u9700\u7684\u6570\u636e\u3001\u5de5\u5177\u3001\u6218\u7565\u3001\u62a5\u544a\u548c\u89c1\u89e3\u3002\u6211\u4eec\u8fd8\u8fdb\u884c\u8bbf\u8c08\u3001\u8c03\u67e5\u3001\u7126\u70b9\u5c0f\u7ec4\u548c\u5176\u4ed6\u5e02\u573a\u7814\u7a76\u65b9\u6cd5\u548c\u9014\u5f84\u3002<\/span><a href=\"https:\/\/www.sisinternational.com\/zh\/%e5%85%b3%e4%ba%8e-sis-%e5%9b%bd%e9%99%85%e7%a0%94%e7%a9%b6\/contact-sis-international-market-research\/\"><span style=\"font-weight: 400;\"> \u8054\u7cfb\u6211\u4eec<\/span><\/a><span style=\"font-weight: 400;\"> \u4e3a\u60a8\u7684\u4e0b\u4e00\u4e2a\u5e02\u573a\u7814\u7a76\u9879\u76ee\u63d0\u4f9b\u5e2e\u52a9\u3002<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>\u91d1\u878d\u79d1\u6280\u8d8b\u52bf\uff1b\u8be5\u884c\u4e1a\u662f\u8fd1\u5e74\u6765\u53d1\u5c55\u6700\u5feb\u3001\u589e\u957f\u6700\u5feb\u7684\u5e02\u573a\u4e4b\u4e00\u3002\u6211\u4eec\u51b3\u5b9a\u5c06\u8d8b\u52bf\u5206\u4e3a\u4e09\u7c7b<\/p>","protected":false},"author":1,"featured_media":69522,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[287,354,302],"tags":[],"class_list":["post-37777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-spotlight","category-fintech","category-thought-leadership","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"_links":{"self":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/posts\/37777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/comments?post=37777"}],"version-history":[{"count":8,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/posts\/37777\/revisions"}],"predecessor-version":[{"id":80218,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/posts\/37777\/revisions\/80218"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/media\/69522"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/media?parent=37777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/categories?post=37777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sisinternational.com\/zh\/wp-json\/wp\/v2\/tags?post=37777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}