Modern Economics & Management Forum

In the current era, the rapid development of smart finance is profoundly reshaping the landscape and service models of the financial industry. This paper analyzes the application status of smart finance in areas such as smart banking, robo-advisors, and consumer finance, revealing its contributions in delivering innovative customer experiences, personalized investment services, and comprehensive risk control systems. Furthermore, it examines the challenges faced in the application of smart finance and proposes strategies to promote its healthy development, including strengthening data security management, unifying technical standards, improving regulatory policies, and enhancing talent cultivation and recruitment. The aim is to provide valuable insights for improving the quality and efficiency of financial services.