Looking at the history of the world, the emergence of any major scientific and technological achievements has brought tremendous impact on human society, which has led to the emergence of a new political, economic, cultural and lifestyle. The financial industry is a special industry specializing in operating monetary funds and conducting social capital financing. In the era of knowledge economy based on information science, finance, as a highly information-based industry, has a close dependence on information and information science. The modern financial industry is constantly innovating in financial products, financial organizations, financial technology, financial markets, and financing channels, which has promoted the great development of the financial industry. Analyzing the ultimate driving force of financial innovation in the world, advances in computer and electronic technology are playing an important role. Today's world is undergoing an information technology revolution with the Internet as the core.
Due to its own advantages, the Internet is bound to become an important way to connect between financial systems in the future. In today's increasingly fierce competition in the financial market and the relatively fixed market share of banks and other financial institutions, the emergence of online financial services means that a new financial market and a new service channel have been opened up. The emergence of new ways is bound to cause new competition in the financial industry. The application of e-finance electronic technology in the financial industry can be conceptually divided into the following stages: improving work efficiency and fund security, introducing electronic technology instead of manual operations, called financial electronic stage. The focus is on introducing electronic business processing methods to replace manual operations within the framework of the original process; with the deepening of the application of electronic technology, the original management model and business processes can no longer meet the needs of new forms, in order to improve market competitiveness.
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