In the past 15 years, I have applied management technology to financial scenarios. Without the guidance of a teacher, I slowly figured out the basic skills of surviving in the fintech industry. I found that my personal experience is about the same as that of my peers, so while the pace of work in the industry is slowing down, I would like to share some areas where I can improve my skills.

The author believes that it can be divided into internal characteristics and discuss with external technical knowledge. Intrinsic characteristics: Must have entrepreneurial spirit. Regardless of whether you are in a large institution or start-up yourself, all those who engage in technology need to break down the old features, merge and innovate, not give up easily, and learn well. Everyone must understand how to balance stability and rapid innovation, focus and knowledge, humanity and objectivity.


External technical knowledge: ABCD of financial technology, namely artificial intelligence (AI), blockchain (Blockchain), cloud computing (Cloud Computing) and big data (Big Data). The above are the applications of statistics, financial economy, psychology, mathematics, law, information security and IT architecture, programming, product and project management. These technologies are relatively close to the current business or STEM education, but each specialty lacks integrity.

Agile working now popular in enterprises is actually a merger work, removing the work of business analysts, and users do it directly with developers. The author found that the IT industry also has a lot of redundant work in the architecture.

Previously, as a customer, I found that the sales staff would bring product experts to meet customers. The first time I met them; the second time I talked about the demand; the third time I introduced experts;

Each time it takes one or two weeks to communicate, which actually consumes the time of the CIO client and also consumes company resources.


Therefore, sales must understand technology, which is the competitiveness that graduates of the fintech department will need in the future. Refer to the system of management consultants: products, sales, and after-sales implementation are all in the same group, which seems to be more effective. It seems that the uncertainty in this line is quite high. To apply the words of the previous MBA finance teacher: Finance is to analyze the time value of the cash flow of different assets. High risk is accompanied by high return.

The promotion of fintech in traditional financial institutions is like a company entering a high-risk business field. In fact, venture capital in the financial world is very close to the ideology of fintech personnel. Both are dealing with products with high-risk uncertainties, not only to generate cash, but also to create new ones and create value.

Fintech is an industry that is both strange and friendly to Hong Kong. Promoting fintech in a market where productivity growth is slowing down is not impossible, but not easy!