The supervision of the Internet financial market is still ongoing, and the continuous in-depth shuffling confirms people's previous judgments, that is, Internet finance that only plays the role of traffic acquisition does not really have a beneficial impact on the development of the financial industry, and may even bring to hurt. When Internet finance encounters more and more challenges, people begin to look for new breakthrough points to break through the shackles of Internet finance and bring the evolution of the financial industry into a new stage of development.

It is against this background that the new concepts of financial evolution represented by financial technology and digital technology were born. It is undeniable that these new concepts have indeed made great progress compared with Fax List Internet finance; Whether it is financial technology or digital technology, it is no longer just to obtain traffic blindly, but to return to the financial industry itself, and to maximize the functions and attributes of the financial industry through new technologies and new models. In a word, the evolution of the financial industry is saying goodbye to simple external concept marketing and truly entering a new stage of development dominated by endogenous power.

The author believes that the new evolution of finance represented by financial technology and digital technology is just to do those things that are too late to do in the era of Internet finance, so that the development of the financial industry can truly return to the correct development direction. The internal logic of the new evolution of finance is actually the same as the evolution logic of the e-commerce industry that we are seeing now. When the e-commerce industry begins to transform into new retail, Internet finance also needs to transform into new finance in order to bid farewell to the development of consumer Internet.