The previous alpha-dog beat south Korean chess player lee sedol, leading the world's five most valuable companies to spend their first tech companies: apple, alpha dog, facebook, Microsoft and amazon. It can be seen that the global economy is undergoing a great transformation, and financial technology is experiencing an accelerated development.
The national finance and development laboratory and the social science literature publishing house jointly hold the blue book of financial science and technology: China financial science and technology development report (2017). Since 2016, financial science and technology represented by big data, cloud computing, blockchain and artificial intelligence has become a hot topic in the financial industry, according to the blue book. Both traditional financial institutions and emerging financial institutions have pushed forward the innovation of science and technology, taking technology as the core driving force, improving operating efficiency, reducing operating costs and improving user experience. 
Taking blockchain as an example, blockchain is the underlying technical architecture of Internet finance. Blockchain is a unique way to store data in cryptocurrencies such as bitcoin. The maturity of Internet finance relies on the maturity of block chain technology to some extent. Take the example of artificial intelligence, the development of artificial intelligence, are now risen from conceptualization to standardization, Internet financial under the transformation of artificial intelligence will change from "Internet + financial" gradually to "Internet + financial + + artificial intelligence" big data transformation. The development of artificial intelligence in the Internet finance field will mainly experience the four stages of data standardization, algorithm automation, risk modularization and transparency. Big data will have great application value in Internet finance era. With the rapid development of Internet financial, personal credit database in China has gradually put into use, the expansion of data storage and the increase in customer demand for database system security, reliability, efficiency, and further put forward the higher request.