Abstract Financial technology innovations (Fintech) are changing the provision of traditional financial services. Although they bring with them various benefits and opportunities, they also have weaknesses and pose potential threats to financial systems. The paper examines the latest developments in the area of Fintech and outlines the potential benefits and associated risks. It highlights the vital role of the monetary authorities in the context of the policies and initiatives required in order to modernize the financial system, including research and the potential issuance of central bank digital currency, while simultaneously fulfilling their core objectives of preserving monetary and financial stability. The authors highlight the importance of artificial intelligence in Fintech development. They create a Fintech SWOT to support and analyse the above. It goes on further to explain the new management concept of “Risk-based thinking” as a way to approach these potential opportunities and threats of Fintech. Finally, the paper looks at cyber risk in the Fintech landscape as the latest and potentially greatest threat springing from these turbulent and uncertain times.

中文翻译：

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金融科技、基于风险的思维和网络风险

摘要 金融科技创新（Fintech）正在改变传统金融服务的提供。尽管它们带来了各种好处和机会，但它们也有弱点，并对金融体系构成潜在威胁。本文研究了金融科技领域的最新发展，并概述了潜在的好处和相关风险。它强调了货币当局在金融体系现代化所需的政策和举措中的重要作用，包括研究和中央银行数字货币的潜在发行，同时实现其维护货币和金融稳定的核心目标. 作者强调了人工智能在金融科技发展中的重要性。他们创建了一个金融科技 SWOT 来支持和分析上述内容。它进一步解释了“基于风险的思维”的新管理概念，作为应对金融科技这些潜在机遇和威胁的一种方式。最后，该论文将金融科技领域的网络风险视为来自这些动荡和不确定时期的最新且可能最大的威胁。