| Abstract |
With the rapid development of the digital economy, Financial Technology (FinTech) has become a key driver in enhancing financial resource allocation efficiency and promoting industrial upgrading. Leveraging big data, artificial intelligence, blockchain, and cloud computing, FinTech reshapes financial market information flows, reduces transaction costs, and improves capital liquidity and fund matching efficiency. Currently, FinTech has deeply integrated into various fields, including lending, payments, investment, and wealth management, optimizing financial institutions service models while accelerating the digital transformation of the real economy. However, while improving resource allocation efficiency, FinTech also faces challenges such as data security, regulatory compliance, and a shortage of skilled professionals. This paper explores the core mechanisms through which FinTech optimizes financial resource allocation, analyzes its impact on industrial transformation and upgrading, and proposes targeted development recommendations.
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