PDF(Pubmed)
Abstract：
In the rapidly evolving landscape of financial technology (FinTech), big data stands as a cornerstone, driving significant transformations. This study delves into the pivotal role of big data in FinTech and its implications for financial inclusion. Employing a comprehensive literature review methodology, we analyze diverse sources including academic journals, industry reports, and online articles. Our findings illuminate how big data catalyzes the development of novel financial products and services, enhances risk management, and boosts operational efficiency, thereby fostering financial inclusion. Particularly, big data\'s capability to offer insightful customer behavior analytics is highlighted as a key driver for creating inclusive financial services. However, challenges such as data privacy and security, and the need for ethical algorithmic practices are also identified. This research contributes valuable insights for policymakers, regulators, and industry practitioners, suggesting a need for balanced regulatory frameworks to harness big data\'s potential ethically and responsibly. The outcomes of this study underscore the transformative power of big data in FinTech, indicating a pathway toward a more inclusive financial ecosystem.
摘要：
在快速发展的金融科技(FinTech)格局中，大数据是基石，推动重大转变。本研究探讨了大数据在金融科技中的关键作用及其对金融包容性的影响。采用全面的文献综述方法，我们分析各种来源，包括学术期刊，行业报告,和在线文章。我们的发现阐明了大数据如何催化新型金融产品和服务的开发，加强风险管理，并提高运营效率，促进金融包容性。特别是,大数据提供有洞察力的客户行为分析的能力被强调为创建包容性金融服务的关键驱动力。然而,数据隐私和安全等挑战，并且还确定了对道德算法实践的需求。这项研究为决策者提供了宝贵的见解，监管者,和行业从业者，这表明需要平衡的监管框架，以道德和负责任地利用大数据的潜力。这项研究的结果强调了大数据在金融科技中的变革力量，这表明了一条通往更具包容性的金融生态系统的道路。
