Hello friend , emerging fintech is subverting the traditional 'law of two-eight', the long-standing lack of financial services for small and medium-sized enterprises (SMEs) (especially micro and small enterprises) is still rooted in the difficulty of finding a balance between cost, efficiency and profitability. Advances in technology are effectively addressing the high cost of banking services and information asymmetry in the market.

With the development of fintech, inclusiveness has become a core inherent principle of finance. Traditionally, the law of two-eight emphasizes the head 20% of users and chooses to ignore the 80% of the population as the majority. Fintech goes against the traditional two-eight principle and captures this long-tail of users so that they can enjoy real fintech services, and the value of these users gradually comes to the fore as their assets grow and their spending power improves. Therefore, fintech platforms are fighting for as many users as possible, and constantly improve their business ecology, with a view to serving diversified users with diversified user needs.

After the deep integration of big data, artificial intelligence technology, cloud computing and other Internet technologies with financial services, the development of smart finance has become an important way to realize the benefits and technical means. Intelligence naturally has the characteristics of universal benefit, the application of intelligent technology, so that the traditional financial services in the need for artificial liberation, and through the user profile more understanding of the user, to be able to provide users with customized, personalized financial services.