Third, the development of financial

Third, the development of financial technology forces commercial banks to improve the service environment. Because of its online efficient processing efficiency and the advantages of processing business without time and space limitations, fintech makes consumers feel a good user experience. In turn, consumers put forward improvement requirements for the disadvantages of complex business processes and low approval efficiency of commercial banks in the past, which makes commercial banks have to optimize business processes, accelerate electronic transformation and improve service level Meet the challenges of financial technology.