Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)

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Smart Investment Banking: The Reshaping of Business Models and Risk Challenges in Investment Banking Driven by Digital Transformation

Authors
Chun Xiao1, *
1Lancaster University College at Beijing Jiaotong University, Beijing Jiaotong University, Weihai, 264401, China
*Corresponding author. Email: 23726069@bjtu.edu.cn
Corresponding Author
Chun Xiao
Available Online 3 November 2025.
DOI
10.2991/978-94-6463-874-5_30How to use a DOI?
Keywords
Digital Transformation; Investment Banking; Machine Learning; Blockchain Technology
Abstract

Digital transformation is profoundly reshaping the global investment banking business model, and the application of technology and changes in the market environment pose dual challenges. This study focuses on the application of machine learning in credit rating, the practice of block-chain technology in bond issuance, and the construction of digital service platforms through case studies and theoretical discussions, revealing the path of digital transformation that is reshaping the business model of investment banks. The study finds that machine learning significantly improves the accuracy and efficiency of credit assessment, block-chain technology reduces the cost of bond issuance by enhancing transparency and security, and the digital service platform optimizes the institutional client service process. However, digital transformation also faces multiple challenges such as operational risks (e.g., data quality flaws), regulatory risks (e.g., smart contract vulnerabilities) and reputational risks (e.g., data breaches). Future research could further explore the application of emerging technologies (e.g. quantum computing) in financial data analytics, and deepen the discussion on cross-border legal harmonization and standardization.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
3 November 2025
ISBN
978-94-6463-874-5
ISSN
2352-5428
DOI
10.2991/978-94-6463-874-5_30How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Chun Xiao
PY  - 2025
DA  - 2025/11/03
TI  - Smart Investment Banking: The Reshaping of Business Models and Risk Challenges in Investment Banking Driven by Digital Transformation
BT  - Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
PB  - Atlantis Press
SP  - 237
EP  - 244
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-874-5_30
DO  - 10.2991/978-94-6463-874-5_30
ID  - Xiao2025
ER  -