Financial technology (FinTech) has been playing an increasingly critical role in driving modern economies, society, technology, and many other areas. Smart FinTech is the new-generation FinTech, largely inspired and empowered by data science and new-generation AI and (DSAI) techniques. Smart FinTech synthesizes broad DSAI and transforms finance and economies to drive intelligent, automated, whole-of-business and personalized economic and financial businesses, services and systems. The research on data science and AI in FinTech involves many latest progress made in smart FinTech for BankingTech, TradeTech, LendTech, InsurTech, WealthTech, PayTech, RiskTech, cryptocurrencies, and blockchain, and the DSAI techniques including complex system methods, quantitative methods, intelligent interactions, recognition and responses, data analytics, deep learning, federated learning, privacy-preserving processing, augmentation, optimization, and system intelligence enhancement. Here, we present a highly dense research overview of smart financial businesses and their challenges, the smart FinTech ecosystem, the DSAI techniques to enable smart FinTech, and some research directions of smart FinTech futures to the DSAI communities.

翻译：在推动现代经济、社会、技术和许多其他领域,金融技术(FinTech)在推动现代经济、社会、技术和许多其他领域发挥着越来越关键的作用。智能金融技术是新一代的FinTech,主要受数据科学和新一代AI和(DSI)技术的启发和授权。智能金融技术综合了广泛的DSAI,并改造了金融和经济,以驱动智能、自动化、整体企业和个人化经济和金融企业、服务和系统。关于FinTech的数据科学和AI的研究涉及银行技术、贸易技术、远程技术、革命科技、财富科技、薪资技术、风险科技、密码和链技术等智能金融技术取得的许多最新进展。DSAI技术包括复杂的系统方法、定量方法、智能互动、认识和反应、数据分析学、深层学习、节能学习、隐私保护处理、扩增、优化和系统情报强化。我们在这里对智能金融企业及其挑战、智能金融技术生态系统、智能金融技术公司智能技术、智能技术公司未来研究方向的高级研究概览。