Abstract
With the rapid development of technology, financial technology has become an innovation engine in the financial industry, exerting a profound influence on traditional financial systems and leading future trends. Financial institutions should reevaluate financial technology and optimize their business models. In the digital age, financial technology has reshaped the delivery of financial services through its advanced technological means, significantly improving everything from core system upgrades to user experiences at the front end. This has greatly enhanced transaction efficiency and security while reducing costs, making financial services more accessible to a broader range of users.
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