摘 要
本文全面探讨了金融科技在跨境支付领域的应用、挑战及应对策略。首先，文章界定了金融科技的概念，梳理了其发展历程，并深入分析了人工智能、区块链、云计算等核心技术。随后，文章聚焦于金融科技在跨境支付中的积极作用，包括显著提升支付效率与降低成本、增强支付过程的安全性与透明度、促进金融包容性与普惠性，以及推动跨境贸易的便利化。然而，金融科技在跨境支付中也面临诸多挑战，主要包括技术复杂性与兼容性难题、技术安全与稳定性的高要求、跨境监管差异带来的合规挑战、市场竞争的日益激烈，以及跨境运营成本的居高不下。为有效应对这些挑战，文章提出了多项策略：加强技术研发与合作，采用标准化技术以简化操作；加强安全防护措施，确保支付系统稳定运行；加强跨境监管合作与沟通，共同应对监管差异；同时，通过品牌建设和市场营销提升竞争力，并优化运营流程以降低跨境运营成本。本文提出的这些策略为金融科技在跨境支付领域的持续健康发展提供了有力支持。
关键词：金融科技；跨境支付；应用研究
Abstract
This article comprehensively explores the application, challenges, and response strategies of financial technology in the field of cross-border payments. Firstly, the article defines the concept of financial technology, outlines its development history, and provides an in-depth analysis of core technologies such as artificial intelligence, blockchain, and cloud computing. Subsequently, the article focuses on the positive role of financial technology in cross-border payments, including significantly improving payment efficiency and reducing costs, enhancing the security and transparency of payment processes, promoting financial inclusiveness and inclusiveness, and facilitating cross-border trade. However, fintech also faces many challenges in cross-border payments, mainly including technical complexity and compatibility challenges, high requirements for technical security and stability, compliance challenges brought about by cross-border regulatory differences, increasingly fierce market competition, and high cross-border operating costs. To effectively address these challenges, the article proposes multiple strategies: strengthening technological research and cooperation, adopting standardized technologies to simplify operations; Strengthen security measures to ensure the stable operation of the payment system; Strengthen cross-border regulatory cooperation and communication, and jointly address regulatory differences; At the same time, enhance competitiveness through brand building and marketing, and optimize operational processes to reduce cross-border operating costs. The strategies proposed in this article provide strong support for the sustained and healthy development of fintech in the field of cross-border payments.
Keywords: financial technology; Cross border payments; Applied research
目录
摘 要 I
Abstract II
第1章 绪论 1
1.1 研究背景及意义 1
1.2 研究目的及内容 1
1.3 国内外研究现状 2
第2章 金融科技概述 3
2.1 金融科技的概念界定 3
2.2 金融科技的发展历程 3
2.3 金融科技的核心技术 4
2.3.1 人工智能 4
2.3.2 区块链 4
2.3.3 云计算 4
第3章 金融科技在跨境支付中的应用 6
3.1 提升支付效率与降低成本 6
3.2 增强支付安全性与透明度 6
3.3 促进金融包容性与普惠性 6
3.4 推动跨境贸易便利化 7
第4章 金融科技在跨境支付中面临的挑战 8
4.1 技术挑战 8
4.1.1 技术复杂性与兼容性 8
4.1.2 技术安全与稳定性 8
4.2 跨境监管差异 9
4.3 市场竞争激烈 9
4.4 跨境运营成本高 10
第5章 金融科技在跨境支付中的应对策略 11
5.1 加强技术研发与合作 11
5.1.1 采用标准化技术 11
5.1.2 加强安全防护 11
5.2 加强跨境监管合作与沟通 12
5.3 加强品牌建设和市场营销 12
5.4 优化运营流程 13
结 论 14
参考文献 15
