Author(s)

Juntong Shen

Corresponding Author

Juntong Shen

Abstract

With the entry of fintech into a new era, financial services have entered a stage of high-quality development. Based on the core idea of adhering to market demand orientation, innovative propositions need to be proposed to better meet the financial service needs of the real economy. Based on the dynamic evolution of fintech development, a theoretical analysis framework for fintech development is constructed according to the inherent logic of fintech innovation. This framework can explain the financial service development mechanism jointly generated by the digital transformation mechanism and intelligent circulation mechanism involving fintech and traditional financial systems, and continue to explore the possibility of moving towards the goal of high-quality financial development from the perspective of institutional changes and practical deduction of fintech development. Fintech development aims to provide services that meet expected standards for the real economy, committed to continuously improving service quality and enhancing customer satisfaction. To this end, measures such as strengthening quality control based on the internal circulation of service quality, constructing an interaction and feedback mechanism between fintech and the quality perception of physical enterprises, and establishing an evaluation system between fintech and regulatory agencies should be taken to achieve high-quality development of fintech, promote the real economy, and truly meet market demand.

Keywords

Fintech; Digital transformation; Intelligent decision-making; Market Trends