In 2023, the digitalization investment of the financial industry maintained steady growth. The scale of the information technology industry represented by artificial intelligence, cloud computing and big data continued to expand, and the application of key fintech continued to develop. At the same time, financial industry policy and their own transformation needs accelerate the digital transformation of banks, insurance, securities and other financial institutions, and form the digital ecological “fusion” situation. The accelerated layout of key underlying technologies in various technology segments has provided the core driving force for the sustained development of the fintech industry. In the future, how financial institutions take advantage of technology, break through financial scenarios through technological integration, and accelerate business transformation requires continuous exploration and practice by financial institutions.