The Impact of Fintech on Investment Banks

Hua Yang ()
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Hua Yang: Soochow University, Business School

A chapter in Proceedings of the 2025 International Conference on Financial Innovation and Marketing Management (FIMM 2025), 2025, pp 229-236 from Springer

Abstract: Abstract With the development of the times, emerging technologies such as big data and artificial intelligence are widely used in traditional industries, including traditional financial services. The combination of finance and emerging technologies has spawned the new financial tool known as fintech, providing continuous support for the investment banking operations of major institutions. This article will take the perspective of investment banks to focus on the impact of financial technology on the inclusiveness of investment banking services, information processing efficiency, and business capabilities centered on due diligence and target valuation. It will provide a thorough analysis of the influence of financial technology on investment banks, using specific examples from Goldman Sachs’ Marcus online lending platform, JPMorgan’s COIN system, and Huatai United Securities’ INSGHT service. Research has found that financial technology can significantly enhance the inclusiveness of investment banking operations, greatly improve the efficiency of information processing in investment banks, increase the efficiency and accuracy of due diligence, and diminish the impact of off-balance-sheet factors on asset valuation. The conclusion is that the widespread use of financial technology in investment banking will be an irreversible trend.

Keywords: Investment Banks; Financial Technology; Digital Transformation (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:spr:advbcp:978-94-6463-874-5_29

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DOI: 10.2991/978-94-6463-874-5_29

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