导语:高投入与模糊回报并存,金融科技转型步入深水区,头部机构构筑生态,中小机构面临分化,价值创造能力取代投入规模成为新分水岭。国家金融与发展实验室2026年2月发布的最新报告显示,2025年我国主要商业银行金融科技投入总额同比增长超15%,连续第五年保持两位数增长。科技,已逐渐从金融业的“辅助工具”变为驱动业务重构的“核心引擎”。然而,表面的繁荣之下,一种深刻的张力正在显现。一边是头部机构动辄百亿...
Source Link导语:高投入与模糊回报并存,金融科技转型步入深水区,头部机构构筑生态,中小机构面临分化,价值创造能力取代投入规模成为新分水岭。国家金融与发展实验室2026年2月发布的最新报告显示,2025年我国主要商业银行金融科技投入总额同比增长超15%,连续第五年保持两位数增长。科技,已逐渐从金融业的“辅助工具”变为驱动业务重构的“核心引擎”。然而,表面的繁荣之下,一种深刻的张力正在显现。一边是头部机构动辄百亿...
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