What are the underlying technologies of financial technology?

The underlying technology of financial technology mainly includes the following aspects:

1. Big data technology: The amount of data in the financial field is very large, and it is necessary to use big data technology for data storage, processing, analysis and mining.

2. Artificial intelligence technology: Financial institutions can use artificial intelligence technology for risk control, anti-fraud and credit evaluation. For example, banks can use artificial intelligence technology for customer authentication and fraud detection.

3. Blockchain technology: Blockchain technology can be used for transaction settlement, asset management and identity authentication in the financial field. For example, blockchain can be used to realize cross-border payment between banks and improve payment efficiency and security.

4. Cloud computing technology: Financial institutions can use cloud computing technology to reduce IT costs and improve the flexibility and scalability of IT systems. For example, banks can migrate some IT systems and applications to the cloud to reduce operating costs.