The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology

Yuxuan Wang

doi:10.47297/wspdecWSP2515-797316.20250909

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The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology

Volume 9, Issue 9

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The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology
The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology
Faculty of Business, Macau University of Science and Technology, Macau, 999078, China
Vol. 9, Issue 9, Pages: 76-81(2025)
Published：30 September 2025
DOI：10.47297/wspdecWSP2515-797316.20250909
Accepted：

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Wang Yuxuan.The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology[J].Development Economics of China,2025,09(09):76-81.
DOI：

Wang Yuxuan.The Transformation Logic and Response Strategies of Traditional Banking Under the Impact of Financial Technology[J].Development Economics of China,2025,09(09):76-81. DOI： 10.47297/wspdecWSP2515-797316.20250909.

摘要

Abstract

Against the backdrop of the digital economy sweeping the globe

Financial Technology (FinTech) has evolved from a marginal innovation to a core force reshaping the financial landscape. This paper takes the transformation of traditional banking business models as its research object

systematically analyzing the multi-dimensional challenges posed by FinTech to traditional banking through technological empowerment

business model innovation

and ecosystem restructuring

covering core areas such as payment and settlement

credit financing

and wealth management. Based on this analysis

and combined with practical cases of banking transformation

the paper proposes response strategies from four dimensions: technological architecture upgrading

business model restructuring

organizational culture transformation

and compliance system improvement. It aims to provide theoretical reference and practical pathways for the sustainable development of traditional banks in the FinTech era.

关键词

Keywords

references

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