Abstract
With the rapid development of technology, financial technology (FinTech) is increasingly becoming a powerful driving force in the global financial sector. This paper aims to deeply discuss and study the impact of FinTech on the traditional banking industry, as well as the future trends and risks of the integration of the two. Through the method of combining literature review and case analysis, using data comparative analysis, this paper expounds three parts: the overview of FinTech the impact of FinTech on the business model of traditional banks, and the integration and development of fintech and traditional banks. Through analysis and research, this paper finds that FinTech has a continuous, relatively negative and disruptive impact on many aspects of traditional banking business in recent years, and the strategic trend of the future development of the two has a variety of possibilities as well as risks.
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