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

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Research on the Impact of Financial Technology on Traditional Banking Business and Coping Strategies

Authors
Yuting Lin1, *
1Tan Siu Lin Business School, Quanzhou Normal University, Quanzhou, China
*Corresponding author. Email: Zoe.LIN.yuting@outlook.com
Corresponding Author
Yuting Lin
Available Online 3 November 2025.
DOI
10.2991/978-94-6463-874-5_21How to use a DOI?
Keywords
Financial Technology; Traditional Banking Business; Response Strategies
Abstract

Under the wave of the digital technology revolution, financial technology, relying on the systematic integration of emerging technologies such as the internet, big data, artificial intelligence, and blockchain, is reshaping the ecological structure of the global financial industry. With the rapid development of financial technology, many innovations and transformations have been introduced into traditional banking operations. Financial technology innovation has had a profound impact on traditional banking operations, presenting both opportunities and challenges. This study examines the positive and negative effects of financial technology on conventional banks. It systematically diagnoses the weak links in traditional financial institutions in areas such as technology application, product iteration, and process reengineering. In response to these impacts, the study recommends focusing on strengthening technological innovation and digital transformation, optimizing business models and service innovations, among other dimensions, to help the banking industry achieve coordinated development in service quality and efficiency enhancement and digital transformation, providing decision-making support for traditional financial institutions to formulate technology-driven strategic transformation plans.

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_21How 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  - Yuting Lin
PY  - 2025
DA  - 2025/11/03
TI  - Research on the Impact of Financial Technology on Traditional Banking Business and Coping Strategies
BT  - Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025)
PB  - Atlantis Press
SP  - 165
EP  - 171
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-874-5_21
DO  - 10.2991/978-94-6463-874-5_21
ID  - Lin2025
ER  -