(Author: Marcille)
In the digital age of the 21st century, intelligent technology has surged like a tide, transforming various industries with unprecedented force, with the financial investment sector standing out in particular. With the rapid development of technologies such as big data, artificial intelligence and blockchain, the financial investment industry is undergoing profound changes, improving service efficiency, expanding investment boundaries and providing investors with a more personalized and intelligent investment experience. This article will take a closer look at the trends of intelligent technology in the financial investment field, the challenges it faces and the future prospects.
Deep integration of digitalization and intelligence
Digitalization and intelligence have become the key development trends in the field of financial investment. Traditional financial institutions are accelerating their digital transformation and using technologies such as big data, cloud computing and artificial intelligence to improve service efficiency, reduce costs and provide customers with more convenient and personalized services. For example, robo-advisors use artificial intelligence to provide automated, personalized investment advice and asset allocation services. By analyzing customers' risk preferences, financial situation and market data, they provide scientifically sound investment portfolios, reduce investment costs and improve investment returns. At present, intelligent advisory platforms such as Betterment and Wealthfront have achieved significant market shares worldwide.
The use of big data technology enables financial institutions to more accurately assess and manage risks. Through the thorough evaluation and analysis of huge amounts of data, financial institutions can build more refined risk models, thereby improving the accuracy and timeliness of risk identification. In the credit field, intelligent technology enables more comprehensive and precise credit scoring by analyzing borrowers' credit history, behavioral data and social data, thereby greatly improving the efficiency and accuracy of loan approval. This not only reduces the non-performing loan rate, but also enables more users to access credit services.
Challenges for the intelligence of financial investments
With the advent of the wave of intelligent technology, both development opportunities and challenges arise. The complexity and uncertainty of intelligent technology may bring technological risks and ethical issues. For example, AI algorithms may be biased and discriminatory, affecting the fairness of decision-making. Financial institutions need to strengthen the risk management of intelligent technology and ensure the transparency and fairness of algorithms to avoid financial losses caused by technical errors or misjudgments. In addition, the rapid iteration of technology requires financial institutions to continuously invest resources in technology research and development and upgrades to remain competitive. As the application of intelligent technology in the field of financial investment gradually increases, the demand for professional talents is growing. At present, there is a shortage of high-level AI talents in the market, which becomes a bottleneck for the application of AI in the financial industry. Financial institutions need to strengthen the cultivation and introduction of AI talents, build a high-quality AI team, and improve their technological innovation capabilities.
Future prospects and suggestions
We are excited to see how financial investment will evolve in the wake of smart technologies. We have invited two experts in this field to share their views.
Ben Shenglin holds a bachelor's degree from Tsinghua University, a master's degree in business administration from Renmin University of China, and a doctorate in economics from Purdue University West Lafayette. He is currently a professor at Zhejiang University, dean of the Academy of Internet Finance, dean of the International Joint Business School, director of Beijing Frontier Financial Supervision Technology Research Institute, and also co-chairman of the Zhejiang Internet Finance Association, advisor to the Guangdong Financial Expert Advisory Committee, and independent director of companies such as China International Finance Limited. In his view, “In the future, the application of intelligent technology in the field of financial investment will be more extensive and thorough. With the continuous development and expansion of the application scenarios of technologies such as AI, big data, and blockchain, they will be deeply integrated into financial services, forming a series of innovative products and services. Financial institutions must keep pace with technological development, actively explore the application of new technologies in the field of financial investment, and improve their service quality and competitiveness.”
Mr. Eric Chen not only has an excellent academic background with an MBA from the University of Chicago, but also accumulated a wealth of professional knowledge and practical experience in intelligent technology during his early career as a senior technical engineer and technical director. In addition, he has closely followed the domestic and international development trends of the industry. Now he is a financial and investment analyst and has worked in the field of financial investment analysis for many years. With his unique technical background, he has effectively combined intelligent technology with financial investment and developed four technical achievements: “software for formulating and managing efficient investment strategies in the technology sector”, “software for managing automotive technology funds and optimizing project exit strategies”, “digital investment research and management software” and “software for multi-domain investment team collaboration platform”, which inject new vitality into the intelligent development of financial investment and make significant contributions. Mr. Eric Chen said: “Looking at the development of financial investment under the guidance of intelligent technology, we are entering an unprecedented era of change. I believe that in the future, financial investment will focus more on precision, personalization and efficiency. First, intelligent technology will strengthen its supporting role. Through technologies such as deep learning and natural language processing, AI can process and analyze huge amounts of data, identify market trends, predict asset price trends, and provide investors with more accurate investment advice and risk management plans, thereby greatly improving the efficiency and accuracy of investment decisions and reducing the impact of human errors and emotional disturbances. Second, the comprehensive application of big data will further promote the personalized development of financial investment. By continuously tracking and analyzing investor behavior, financial institutions can provide more personalized customer service and product experiences, thereby increasing customer loyalty. In the face of such development trends, financial institutions and investors must actively embrace change and strengthen technological innovation and talent training. We should continuously improve our financial and technological literacy, understand and master the application of new technologies in the investment field, and accept and try out these emerging investment methods with a more open and inclusive attitude. Only in this way can we stand invincible in the future financial investment market and achieve steady wealth growth.”
Driven by the wave of intelligent technologies, the field of financial investment is moving toward a new era at an unprecedented speed. The innovation of technology not only changes the face of the financial industry, but also brings unprecedented opportunities and challenges to investors. As Mr. Ben Shenglin and Mr. Eric Chen have explained in detail, the application of intelligent technologies such as AI, big data and blockchain has brought financial investment to a new level of precision, personalization and efficiency. Looking ahead, we must remain astute and open-minded, keep pace with the pace of technological development, and actively explore the infinite possibilities of new technologies in the field of financial investment. At the same time, we must also strengthen supervision and cooperation to ensure that technological innovation develops healthily within a legal and compliant framework and contributes to the stability and prosperity of the financial market.
