现代数字金融技术特点分析

手机银行、自动柜员机和区块链技术为客户进行金融交易提供了便利,金融机构为了保持竞争力,满足客户和监管机构的期望,必须采用现代数字金融技术来提高客户的服务体验和满意度;与此同时,金融数字化给黑客获得客户和金融机构信息提供了机会,给客户和金融机构带来了独特的安全风险。因此针对上述金融技术采取有效的措施来保障金融交易的安全显得特别重要。本文对手机银行、自动柜员机和区块链进行了研究,分析了这些现代金融技术的特点及其存在的风险,提出了一些有针对性的金融风险防范建议。

Mobile banking,automated teller machine（ATM）and block chain technology provide convenient financial transactions for customers.In order to keep competitive capability and meet the expectations of customers and regulators,financial institutions must use modern digital financial technologies to enhance the customer＇s service experience and increase their satisfaction.At the same time,the financial digitization brings opportunities for hackers to steal information from customers and financial institutions,leading to unique security risks to customs and financial institutions.Therefore,it is particularly important for these advanced financial technologies to take effective measures to ensure the safety of financial transactions.This paper studies modern digital financial technologies such as mobile banking,automatic teller machine（ATM）and block chain,analyzes the characteristics of these advanced financial technologies and their potential risks,and proposes some suggestions on financial risks prevention.