Abstract
With the rapid development of science and technology, various financial products and applications were changing the operation mode of the industry soundlessly. These technologies, such as blockchain technology and cryptocurrency, are generally known as fintech. Their emergence has already greatly influenced people's traditional views on the functions and transactions of money. Meanwhile, the gradual maturity and application of artificial intelligence have also changed how data is integrated and consulting business in the stereotype of the investment industry. These cutting-edge technologies were invented to improve efficiency and provide people with fresh ideas for the traditional financial industry. Although these advanced technologies brought revolutionary progress, they also had certain risks and limitations, and surveillance and thorough laws and legislation were required. This paper aims to overview the change and impact of fintech on the business mode of the traditional financial industry, mainly focusing on Robo-Advice/Artificial intelligence, Blockchain, online payment, and P2P financing.
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