The Implications and Challenges of Fintech Innovation: Analysis Based on Blockchain, Big Data, and Artificial Intelligence

: This paper comprehensively analyzes the impact and challenges of fintech, especially blockchain, big data and artificial intelligence, in the financial field. Through specific application examples, this paper expounds how these technologies can improve transaction efficiency, optimize customer experience, and drive financial product innovation, and also discusses the challenges such as technology maturity, regulatory challenges, and data security. In the end, a series of strategies and suggestions, including strengthening technology research and development, building a regulatory system, improving data governance capabilities, cultivating interdisciplinary talents, and promoting the deep integration of fintech and traditional finance. Looking ahead, fintech will continue to lead innovation and change in the financial industry, but it also needs to pay close attention to and deal with new problems and challenges that may arise.