The evolution of fintech has consistently mirrored the spirit of its time. In the internet age, fintech emerged to cater to the new demands arising from shifts in consumer behavior and habits. As we transitioned into the digital era, fintech stepped up to fulfill the need for digital economy platforms, deeply empowering entities within the real economy. Now, with the dawn of the AI era, fintech stands on the brink of another transformative leap.

To grasp the essence of this transformation, we must view it through the lens of the current era. So, what defines our present times? A glance at the AI strategies adopted by various entities reveals that we are in an era where AI is profoundly reshaping both the virtual and real economies. Against this backdrop, entities in both spheres are undergoing profound transformations.

At the heart of these transformations lies the imperative to meet consumer demands, reinvigorate consumer engagement, and discover new avenues for growth amidst stagnation. In this context, fintech too is undergoing an internal and external transformation, seeking to carve out its niche in the AI era.

Fintech: The Pioneer in AI Implementation

With AI emerging as the definitive direction, the challenge for a wide array of entities lies in how to integrate AI into their businesses and scenarios as extensively as possible, leveraging it to revitalize traditional operations and uncover new growth opportunities. The ability to swiftly and broadly apply AI to business scenarios has now become a critical determinant of survival. In this journey, we witness some entities focusing on large-scale model development, others on AI tool applications, and yet others forging new paths for AI implementation by deeply integrating fintech with AI.

By leveraging fintech's unique ability to bridge the B-side (business) and C-side (consumer) of industries, the application of AI to fintech scenarios uncovers a new nexus between the two. Specifically, utilizing AI to precisely tailor fintech solutions to the B-side and C-side connection process facilitates rapid and accurate docking (connection), undoubtedly representing a primary direction.

For instance, in the consumption process, AI's precise matching capabilities enable the provision of personalized financial products to the C-side, thereby accelerating the supply of B-side goods and services. Another example is fintech's use of AI to aggregate and organize C-side demand data, providing it to the B-side, enabling them to directly perceive market changes and adjust their product development and marketing strategies accordingly.

In these scenarios, fintech assumes the role of a pioneer in AI implementation and application. By harnessing fintech, AI's functionalities and impacts can be maximized, enabling its integration into various scenarios and processes. At this juncture, fintech transcends its traditional role, evolving into a catalyst for AI implementation and application.

Fintech: The Proving Ground for AI Implementation

AI is embarking on a comprehensive and multifaceted implementation journey. Previously, discussions around AI often revolved around tool-based applications, ranging from AI writing to AI image generation, and from AI voiceovers to AI video production. Ultimately, AI was frequently perceived as a mere tool. However, as AI tools gradually mature and diversify, AI's function and role are undergoing a transformation from a tool to an infrastructure.

At this critical juncture, the challenge lies in how to extensively and deeply integrate AI across different scenarios and industries, maximizing its function and effect. Therefore, providing a high-quality "proving ground" for AI, enabling it to form a complete and sustainable industrial chain, has become a paramount consideration for all stakeholders.

As a fintech sector interconnected with numerous industries and scenarios, it naturally emerges as a vital proving ground for AI implementation. By implementing and applying AI to fintech, not only can AI's functionalities and impacts be maximized, but more importantly, AI can form a complete business loop.

For many entities still viewing AI as an experiment and yet to discover a complete business model, the new imaginative space opened up by fintech will significantly bolster confidence in AI and elevate people's understanding of AI to a new level. By applying AI to fintech, it transforms not only fintech itself but also the countless industries and households connected to it. From this vantage point, fintech represents a rare proving ground for AI implementation.

Fintech: The Driving Force Behind AI Implementation

AI is not solely about outward expansion and the deep empowerment and transformation of the external environment; it also necessitates a continuous influx of energy from industries and scenarios, encompassing both software and hardware aspects. Only by continuously supplying AI with this energy can we ensure its sustained output and stable operation. Therefore, identifying the "fuel" and "engine" for AI, enabling its continuous iteration and update, is crucial for maintaining AI's implementation and application.

Unlike other industries with relatively lengthy cycles, implementing AI in fintech yields immediate results. For instance, applying AI to fintech's risk control process significantly enhances risk control efficiency. Integrating AI into fintech's supply-demand matching process greatly improves the efficiency of matching between upstream and downstream entities. Applying AI to fintech's operational processes reconstructs its connections with industries.

Fintech's relatively prompt and rapid response mechanism ultimately enables it to provide AI with a continuous stream of energy. On one hand, it supplies AI with energy from various scenarios and industries, transforming AI into a new type of infrastructure in the new era. On the other hand, it provides AI with a continuous business loop, enabling AI to swiftly form a complete business ecosystem.

From this perspective, fintech acts as the driving force in AI's implementation process. Through it, AI can continuously obtain software and hardware energy, as well as commercial energy, fostering AI's rapid update and iteration.

As AI begins to be implemented and applied across an increasing number of industries and scenarios, it has transitioned from a tool-based existence to a new type of infrastructure-based existence. In this process, fintech offers a new possibility for AI's iteration and evolution, charting a more sustainable evolutionary path for AI. Recognizing fintech's new role and positioning in the AI era will not only expand AI's imaginative space but also unlock a new future for fintech.