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

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The Impact of Fintech on Investment Banks

Authors
Hua Yang1, *
1Business School, Soochow University, Suzhou, 215031, China
*Corresponding author. Email: 2210503033@stu.suda.edu.cn
Corresponding Author
Hua Yang
Available Online 3 November 2025.
DOI
10.2991/978-94-6463-874-5_29How to use a DOI?
Keywords
Investment Banks; Financial Technology; Digital Transformation
Abstract

With the development of the times, emerging technologies such as big data and artificial intelligence are widely used in traditional industries, including traditional financial services. The combination of finance and emerging technologies has spawned the new financial tool known as fintech, providing continuous support for the investment banking operations of major institutions. This article will take the perspective of investment banks to focus on the impact of financial technology on the inclusiveness of investment banking services, information processing efficiency, and business capabilities centered on due diligence and target valuation. It will provide a thorough analysis of the influence of financial technology on investment banks, using specific examples from Goldman Sachs’ Marcus online lending platform, JPMorgan’s COIN system, and Huatai United Securities’ INSGHT service. Research has found that financial technology can significantly enhance the inclusiveness of investment banking operations, greatly improve the efficiency of information processing in investment banks, increase the efficiency and accuracy of due diligence, and diminish the impact of off-balance-sheet factors on asset valuation. The conclusion is that the widespread use of financial technology in investment banking will be an irreversible trend.

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_29How 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  - Hua Yang
PY  - 2025
DA  - 2025/11/03
TI  - The Impact of Fintech on Investment Banks
BT  - Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
PB  - Atlantis Press
SP  - 229
EP  - 236
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-874-5_29
DO  - 10.2991/978-94-6463-874-5_29
ID  - Yang2025
ER  -