Under the influence of the TO B era, the financial industry is opening a new technological revolution.

De-intermediation is a remarkable feature of the species born in the Internet age, and financial technology is no exception. Although many people regard financial technology as the successor of internet finance, they still use the concept of financial technology to do financial business, which seems to be repeating the mistakes of internet finance. From this logical point of view, financial technology is destined to be just a process, not an end. As a result, the financial technology represented by the internet giants ended like a flash in the pan and entered a new stage.

The so-called re-evolution will inevitably require deeper changes. If we change and reshape the traditional financial processes and links with the help of new technologies, it will become a new breakthrough. Instead of simply making financial products and services, we should look for new functions and functions of finance from a deeper level and explore new ones with these new functions and functions as a breakthrough. The financial industry has entered the era of de-financialization.

The so-called de-financialization is not just to stop doing finance, but to explore new functions and functions of finance, and then make products based on these new functions and functions. Ali, Tencent and JD.COM are constantly strengthening the use of big data, blockchain, intelligence and other technologies to empower the traditional financial industry, which is an obvious example. In the future, with more elements joining the financial industry, a new evolution will begin to reshape and excavate new financial operation logic.

If we deeply analyze this trend, it is not difficult to see that the re-evolution of financial technology is a process of transforming objects from C to B. In the Internet age, we use the Internet to acquire a large number of C-end users, and to C is almost the goal of all Internet finance. However, with the end of the Internet era and the end of the traffic dividend, just getting traffic has reached its peak. How to meet the more needs of C-side by transforming B-side has become a new direction, so the financial industry has entered the era of To B.

In the era of TO B, the financial industry began a new evolution.

In the era of to B, the development of the financial industry is actually beginning a brand-new change. Simply obtaining traffic from the Internet era has gradually evolved into the stage of constantly empowering financial institutions. When to B became a new development trend, the financial industry began a new evolution. This re-evolution of the financial industry will bring us great imagination, whether it is for internet finance caught in the whirlpool of supervision or for traditional financial institutions that urgently need to improve efficiency.

The functions and attributes of the financial industry are expected to be further improved and changed. In the era of Internet finance, the functions and attributes of the financial industry have not really changed. One of the most important reasons is that Internet technology has not really penetrated into the financial industry itself. The function and attribute of finance are mainly investment and wealth management, which eventually leads to an Internet financial platform that is not good at risk control. When these internet financial platforms can't carry out good risk control, lightning will happen. So, how can we find the development logic beyond the investment and financial management function of the financial industry and find the development logic that really suits us?

By deeply empowering B-side financial institutions, we can discover more functions and attributes of financial institutions. Investment and financial management is no longer just a product of the combination of finance and technology, but will become a brand-new species and open a brand-new era of financial industry reform. Judging from the depth and breadth of involvement in financial institutions, empowerment in the TO B era can stimulate the potential of more financial institutions and open more directions for the development of the financial industry.

In the future, the function of finance will not only be investment and financial management, but also have many functions and attributes such as data and forecast, and the development of financial industry will open a new era. Technology companies will be more stable if they start from the fields they are good at, rather than just doing the fields, processes and links they are not good at.

Finance will be more closely linked with people's lives, and financial life will become a trend and tide. Kevin kelly once predicted that the future finance would evolve into a brand-new way of life. Perhaps, he saw the general trend of people's life in science and technology in the future, and then made such a prediction for the future development of the financial industry. In the future, with the continuous improvement of people's living science and technology level and the continuous enhancement of the basic role of finance, the future finance will be more related to science and technology, thus becoming a part of people's scientific and technological life.

Finance is inevitable. As many processes and links in people's lives begin to have more integration and connection with scientific and technological elements, the financial industry will also have such changes in the future. Future finance is no longer an industry, but runs through every process and link of people's lives and eventually evolves into a brand-new species. Financial life will become a trend through deeper integration and contact with people's lives.

Whether shopping, socializing, traveling or health, we can find footnotes from the financial port and open a new era of financial life. With the increasingly close combination of finance and people's lives, the future finance may no longer be an independent industry, but submerged in the sea of Wang Yang where people live, thus opening a new era of financial industry development. In the era of TO B, the empowerment of technology companies to financial institutions is precisely to break the barriers built by traditional financial industries, so that they can better participate in all aspects of people's lives and eventually become a process and link of life.

In the era of TO B, traffic is no longer the only pursuit, and traffic conversion is the ultimate goal. Traffic is the ultimate pursuit of almost all industries in the Internet age. Getting traffic is equivalent to getting settled capital. The same is true of the financial industry. We have seen many internet financial platforms, and the user traffic ranges from hundreds of thousands to millions, from tens of millions to hundreds of millions. With these flows, the Internet financial platform can not only sell financial products, services and projects, but also realize the pan-financial field for users. Only simple operations are needed to realize the realization of traffic, which is also the fundamental reason why so many Internet financial platforms continue to obtain traffic in various ways.

With the end of the traffic dividend, especially the change of people's views on traffic, just getting traffic can no longer play a real substantive role and effect. In addition to obtaining traffic, people began to pay more attention to the conversion of traffic, rather than blindly obtaining traffic. How to transform? If we only follow the traditional products and traditional operation logic, we will not really achieve the expected results. Only by truly changing the financial industry itself can we achieve the perfect combination of user demand and financial industry supply, so as to achieve the purpose of traffic conversion.

By adding the elements of new technology, we can change the operation logic and improve the operation efficiency of the traditional financial industry, so that the technicalization of the financial industry is no longer just a means to obtain traffic, but a brand-new existence that can truly achieve change, thus opening a brand-new era of financial industry development. In the era of TO B, the financial industry no longer takes the flow as the ultimate goal, but begins to pay more attention to the changes of the financial industry itself. Whether it is a financial participant or a financial product form, the financial industry will actually undergo a profound change. If we regard the transformation of the financial industry in the Internet era as a conceptual game, then the transformation of the financial industry in the new technology era is the real painful transformation.

In the era of TO B, where is the victory of financial technology?

Unlike the Internet era, which constantly obtains traffic through different means, the re-evolution of the financial industry in the TO B era needs more strength to finally win. When the internet giants continue to devote themselves to the torrent of TO B, the future financial technology is also full of changes. So, where is the future victory of financial technology?

Technology will dominate the battlefield to B. If we regard traffic as the key factor to determine the success or failure of the consumer Internet era, then technology will become the key factor to determine the success or failure of the industrial Internet era. Compared with the lightweight and personalization of user traffic, the TO B era pays more attention to heavy intervention and systematization. How to achieve deep involvement and build a systematic ecosystem is obviously not possible only by operation and marketing. Only when financial institutions truly regard technology as a sharp blade and change the pain points and problems of traditional industries by deeply intervening in the specific processes and links of the industry can they truly realize self-transformation and real evolution.

Looking at the victory of financial technology in the future battlefield in the TO B era, it is certain that the constantly developing new technology is the key to the victory of financial technology. A very important reason why the current Internet giants will resolutely devote themselves to the battlefield of scientific research, development and empowerment is that they see the important role of future technology in the battlefield of To B. Therefore, we also need to constantly add new technologies to change the operational logic of the traditional financial industry through new technologies, thus opening up a new situation in which the financial industry is re-scientific.

The rediscovery of financial attributes and functions determines how far financial technology can go. The crazy and barbaric growth of internet finance and the fleeting life of financial technology all tell us that simply copying the traditional functions and attributes of the financial industry cannot bring lasting growth. Only by truly changing the attributes and functions of finance can the road of financial technology go far.

The era of TO B is actually a process of deepening the functions and attributes of traditional industries. If we just keep the function of the traditional financial industry at the traditional level, even if more new technologies are applied, we can't really achieve the goal of promoting industry change. Only through the application of new technology, can we find the new functions of the traditional financial industry, so that the evolution of the financial industry can become a brand-new species, and real changes will take place in the TO B era. The so-called re-evolution of the financial industry can have new meanings and connotations, and can avoid falling into the routine of Internet finance and financial technology. Therefore, rediscovering the new functions and attributes of finance is another major factor that determines the chances of winning in the future TO B era.

The degree of financial life determines whether finance can really evolve into a way of life in the TO B era. In the future, with the development of science and technology in people's lives, people's lives will be labeled with science and technology more and more. At the same time, the financial industry has also started the running all the way on the road of science and technology in the TO B era. If the financial industry can't evolve effectively, then the technology of the financial industry will become a concept and can't be truly realized. From this logical point of view, the level of future financial life directly determines the level of future financial technology. If finance cannot survive as much as possible, then the so-called financial technicalization will eventually become a concept.

Therefore, whether the financial industry in the era of TO B can really evolve into a lifestyle depends on whether we can find more financial footnotes in our lives. Only by deeply integrating finance with life, financial scientization in the era of TO B will not only be a change in concept, but also become an existence that can bring many imaginations, and even determine the outcome of financial scientization in the future.

With the arrival of the TO B era, we can see the new direction of future financial technology. With the continuous blessing of new technologies by Ali, Tencent, Baidu and JD.COM, we can see the way out of future financial technology. If we only regard the financial evolution in the era of TO B as the new development of the Internet, then such development is bound to be a short-lived prosperity. Only by truly returning the financial evolution of the TO B era to the industry itself can we expect future changes.