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① AI on the left, blockchain on the right, where is the transformation direction of Internet finance?

If you turn the clock back to two years ago, Internet finance was still hot at that time. However, the current Internet finance is in a state of turmoil and chaos. Perhaps, it is more appropriate to talk about the transformation of Internet finance at this time. Internet financial giants represented by Ant Financial and JD Finance continue to emphasize that they are a technology company rather than a financial company, which may contain the direction of Internet financial transformation.

Becoming a financial technology company may be a major direction for the transformation of Internet financial companies. However, do all Internet financial companies have the conditions to transform into financial technology companies? Obviously not. Judging from the current structure of the entire Internet financial market, there are very few Internet financial companies that can truly transform into financial technology companies. I am afraid that only unicorn companies in the Internet financial industry have this opportunity.

There have been many analyzes of the reasons why Internet financial companies have transformed into financial technology companies. Today we will discuss the future development directions of financial technology companies and the impact they will have on the two major industries of finance and technology. What changes have elements brought about?

Direction 1: Transform into a pure technology company, providing technical and data support for financial companies

Transformation into a pure technology company is the key to almost all Internet companies. Something that financial companies all want to achieve. However, there are very few Internet financial companies that are truly capable of transforming into technology companies, because this direction not only requires strong technological research and development capabilities, but also the accumulation of many B-end users and C-end users. Judging from the current situation, only Ant Financial, WeChat, and JD Finance have this condition.

After transforming into a pure technology company, their main job is to provide technical support to traditional financial institutions and new financial institutions, and data support to improve the work that these institutions are not very good at or are missing. , thereby promoting the improvement of operational efficiency and further improvement of security of these financial institutions. For small and medium-sized Internet financial companies, not only do they not have strong R&D capabilities, but the real driving force for their growth is not technology-driven, but project-driven. Therefore, first of all, they cannot transform into a pure technology company, and secondly, they will not do it.

Only with a strong parent company and the technical and traffic support of the parent company, such an Internet financial company will not only not worry about survival, but also can optimize its own service capabilities while ensuring that the parent company On the basis of the smooth operation of the company, it can also provide successful experimental technologies and products to professional financial institutions so that they can improve efficiency and optimize user experience.

Direction 2: Transform into a project operation company to provide professional services for project operations

To put it more bluntly, the essence of finance is actually service. One of the important reasons why Internet finance is encountering the current development difficulties is that it has lost its service attribute and turned into a business with strong speculative attributes. This change not only caused many Internet financial platforms to lose the efficiency-improving attributes they were supposed to have, but also allowed many non-performing assets with the main purpose of speculation to be mixed into them, which ultimately led to the emergence of many problems in the Internet financial market.

Transform into a project operation company, use finance as the entry point to actively participate in the actual operation process of the project, promote the successful operation of the project by providing supporting products and services for project operation, and achieve project risk Streamline the entire process of control to reduce project risks.

Looking back at the accidents of many Internet financial companies, we can see that the approach of just treating itself as a platform without being deeply involved in the actual operation of the project cannot truly fundamentally solve the problem. Solve problems in the project development process. In this case, even if the Internet financial platform provides funds to the project party, the project party will still encounter various problems during the actual operation process. If these problems are not resolved, the Internet financial market will also face constant risks. By transforming into a project operation company, Internet financial companies can use finance as an entry point to expand their business scope, ultimately ensuring that the project risk rate is always at a low level.

Direction 3: Strengthen the integration with new technologies such as AI and blockchain, and transform into a new technology company

It is undeniable that AI and blockchain are currently the The new technologies represented will bring profound changes to traditional financial institutions, which will also provide opportunities for the transformation of Internet financial companies. By integrating Internet finance with new technologies such as AI and blockchain, we can find ways and means to solve the current development dilemma of Internet financial companies.

For example, we can use AI to reduce human errors in the financial operation process, and use machine learning to complete work that needs to be done manually in the traditional era. This can not only further improve efficiency, but also It can ensure all-round and multi-angle project risk control; the maturity and completeness of blockchain technology can find a new way to solve the pain points and problems encountered by Internet finance in addition to the ecological network system built by Internet technology. By leveraging the power of individuals, financial links and processes are further optimized and improved.

Therefore, at the moment of Internet financial transformation, we can combine it with AI and blockchainWait for new technologies to be combined to find ways and means to solve pain points and problems, thereby transforming into the next hot company. In the future, "AI+" and "Blockchain+" may become industries similar to "Internet+".

The transformation of Internet financial giants represented by Ant Financial and JD Finance has kicked off the transformation of Internet finance into financial technology, and adjustment has become the main theme of the current development of Internet finance. At this stage of transformation, perhaps only with a clear direction can we avoid detours and achieve self-transformation.

② Is it difficult to develop a public blockchain chain? There are several domestic companies that can do it

1. Network is a leading AI company with a strong Internet foundation. The network's vision is: to become the world's top high-tech company that understands users best and can help people grow.

The origin of the word "network" comes from a line written by Xin Qiji, a poet in the Southern Song Dynasty 800 years ago: There are thousands of networks among the crowd. This sentence describes Ci Xiaobing's persistent pursuit of ideals.

2. Shenzhen Tencent Computer Systems Co., Ltd. was founded in November 1998 by five founders: Ma Huateng, Zhang Zhidong, Xu Chenye, Chen Yidan, and Zeng Liqing.

Tencent’s diversified services include: social and communication services QQ and WeChat/WeChat, social network platform QQ Space, Tencent Games’ QQ game platform, portal website Tencent.com, Tencent news client and online video services Tencent Video, etc.

3. Alibaba Group Holdings Co., Ltd. (referred to as: Alibaba Group) is a company founded in 1999 in Hangzhou, Zhejiang Province by 18 people led by Jack Ma, a former English teacher.

Alibaba Group operates a variety of businesses, and also obtains support for operating a business ecosystem from the businesses and services of affiliated companies. The businesses and affiliated companies include: Taobao, Tmall, Juhuasuan, AliExpress, Alibaba International Trading Market, 1688, Alimama, Alibaba Cloud, Ant Financial, Cainiao Network, etc.

4. Huawei Technologies Co., Ltd. was established in 1987 and is headquartered in Longgang District, Shenzhen City, Guangdong Province. Huawei is the world's leading information and communications technology (ICT) solution provider. It focuses on the ICT field, adheres to stable operations, continuous innovation, and open cooperation, and has built a strong reputation in telecom operators, enterprises, terminals, and cloud computing. With end-to-end solution advantages, we provide competitive ICT solutions, products and services to operator customers, enterprise customers and consumers, and are committed to realizing the future information society and building a better fully connected world.

5. Beijing ByteDance Technology Co., Ltd., founded in March 2012, is one of the earliest technology companies to apply artificial intelligence to mobile Internet scenarios. It is an information technology company in Beijing, China. Address Located at No. 48, Zhichun Road, Haidian District, Beijing.

③ Alibaba has built another large industrial Internet platform!

ThreeThe "Xunxi Factory" nurtured by Alibaba's layout a few years ago was named the "World's Lighthouse Factory". It can be seen that Alibaba not only has a forward-looking vision but also has the ability to implement it.

Technology trends released by Alibaba Damo Academy in 2020: The rapid development of 5G, IoT devices, cloud computing, and edge computing will promote the hyper-convergence of the industrial Internet and realize industrial control systems, communication systems, and informatization Intelligent integration of systems. Manufacturing companies will realize equipment automation, transportation automation and production scheduling automation, thereby achieving flexible manufacturing. At the same time, the upstream and downstream manufacturing lines of the factory can adjust and collaborate in real time.

Theory and practice have tested the industrial Internet platform laid out by Alibaba.

(1) Chip design

Alibaba originally acquired Zhongtian Microchip Company. After a large amount of capital injection, Damo Academy has sold more than 200 million chips in just one year. In addition to simple industrial module chips, DAMO Academy also stated that it will develop its own NPU chips.

(2) "Cloud" central platform

Cloud computing is rapidly integrating traditional software, algorithms and basic hardware to accelerate the intelligent digital transformation of various industries. DAMO Academy pointed out that regardless of chips, AI or blockchain, all technological innovations will be centered on the cloud platform. Chips customized for the cloud, AI deeply integrated with the cloud, and blockchain applications on the cloud will emerge in endlessly. In a word, the cloud will become the center of all IT technology innovation.

(3) Modularity and blockchain

The commercial application of blockchain will accelerate, and this assertion has been verified by reality. In 2019, blockchain technology rose to a national strategy and was gradually implemented in areas such as digital finance, digital government, and smart manufacturing. DAMO Academy's various hardware chips with solidified core algorithms on the client, cloud, and chain designed specifically for the blockchain have emerged. Blockchain applications with tens of millions of daily users will be available to the public. The open instruction set represented by RISC-V and the IP-based template chip design method have promoted the rapid development of chip agile design methods and open source chip ecology.

A large industrial Internet platform with Alibaba Cloud as the center, Pingtou Ge and Damo Academy as chip carriers, and blockchain as modules was born.

Industry transformation and upgrading has begun, and all industrial equipment needs are the same as consumers on the Taobao shopping platform.

Alibaba’s industrial Internet platform is here!