4 月份，行业运行有小幅波动，整体表现一般。行业 融资规模有所下滑，1～4 月，行业共融资 90.17 亿元，同比降幅 65.98%。货币市场利率延续低位，“宝宝类”产品收益率普遍降至 3%以下。第三方移动支付市场格局较为稳定，支付宝和腾讯金融依 然保持 90%以上的集中度。1～4 月，P2P 网贷月成交量 3932.72 亿 元，同比降低 46.99%；贷款余额环比降幅为 2.17%。4 月，行业活 跃投资人数和借款人数分别同比减少 45.56%和 38.26%；平台平均借 款期限增至 15.75 个月，综合收益率升至 10.26%。 

Financial firms have been the early adopters of the mainframe computer, relational databases, and have eagerly awaited for the next level of computational power. Artificial Intelligence (AI) improves results by applying methods derived from aspects of Human Intelligence at a beyond human scale. The computational arms race for past years has revolutionized the Fintech companies. Technologies, such as machine learning, AI, neural networks, Big Data Analytics, evolutionary algorithms, and much more, have allowed computers to crunch huge varied, diverse, and deep datasets than ever before.

Companies are aiming to replace core legacy systems or a combination of multiple standalone integrated solutions with one suite that provides end-to-end solutions. Customers are showing wide acceptance for cloud-based systems with high flexibility and innovative add-on modules. The integration of various applications into one suite is expected to bolster a new degree of market consolidation, as large players are focusing on expanding their offerings through acquisition.