The key to fintech is not the technology itself, but the deep integration of technology with financial scenarios.
金融科技的关键不是技术本身，而是技术与金融场景的深度融合。
Innovation is not just about new ideas, but about executing them in ways that create real value.
Financial technology should focus on data security and privacy protection, which is the foundation for sustainable development of the industry.
Never underestimate the power of small, consistent improvements.