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1、PREFACEWiththerapiddevelopmentofthefintechsectorglobally,almosteveryaspectinthetraditionalfinancialservicesindustry,includinginvestment,transactionservices,andfinancing,havebeengreatlydisrupted.Previously,theindustryreliedheavilyonexpertjudgmentwhenitcametodecisionmakingforlendingorinvestmen
2、t.However,withanever-fasterpaceofdatagenerationandcomprehensivedatagatheringthroughe-commerce,socialnetworks,andotherusecasesofmobileinternet,financialinstitutions,aspartofthebroaderinternetecosystem,havebeeninvestingmoreandmoreheavilyindata,technology,andanalytics.Alotmoredecisions,especial
3、lywithrespecttoconsumerfinance,havebeenautomatedwiththesupportofdataanalytics.Inthemeantime,takingadvantageofthedata“bigbang”,fintechplayerscoulddevelopnewbusinessmodelsasalternativefinancialservices“platforms”whiledisintermediatingthetraditionalplayers.Thewholefintechdevelopmentaroundthewor
4、ldhasthussignificantlyimprovedtheefficiencyofthefinancialservicesindustry(Exhibit1).TRANSACTION•Checking/savingsaccount•Payment&transfer•Cashmanagementservices•Onlinepayment•Onlinetrading(Forex,securities,commodities,etc.)•Onlineaccountopeningandservicing•…FINANCING•Loan•Tradefinance•Special
5、tyfinance•P2P•Onlinecreditassettrading(e.g.securitization)•Onlineconsumerfinance•Onlinefactoring•…Exhibit1:PillarsoffintechindustryINVESTMENT•Wealthmanagementandassetmanagement•Moneymarkets•Capitalmarkets•Onlineinvestmentmanagement•Onlineequityinvestment(e.g.crowdfunding)•Onlinefixedincome(e
6、.g.YuEBao)•…CAPITAL/FUNDINGTraditionalbankingproducts/servicesFintechproducts/servicesASSETSMobileinternetAIBlockchainCloudBigdataCreditfinancing,sittingatthecoreoffinancialservicesindustry,isinevitablyaffectedbythewaveoffintechdevelopment.Ahighlyspecializedareaoffintechemergedascredittech
7、nology(or“credit-tech”),reshapingtheexistingcreditfinancingbusinessmodelwiththeforceoftechnology.Thereachofcredit-techrangesfromthemostbasiccreditinfrastructuretothecustomerfacingbusinessmodelandunderwritinglogic.Leadingcredit-techplayersareleverag
