Financial Technology (FinTech) is one of the worldwide rapidly-rising topics in the past five years according to the statistics of FinTech from Google Trends. In this position paper, we focus on the researches applying natural language processing (NLP) technologies in the finance domain. Our goal is to indicate the position we are now and provide the blueprint for future researches. We go through the application scenarios from three aspects including Know Your Customer (KYC), Know Your Product (KYP), and Satisfy Your Customer (SYC). Both formal documents and informal textual data are analyzed to understand corporate customers and personal customers. Furthermore, we talk over how to dynamically update the features of products from the prospect and the risk points of view. Finally, we discuss satisfying the customers in both B2C and C2C business models. After summarizing the past and the recent challenges, we highlight several promising future research directions in the trend of FinTech and the open finance tendency.
翻译:金融技术(FinTech)是根据Google趋势的FinTech的统计,在过去五年中迅速产生的全球专题之一。在本立场文件中,我们侧重于在金融领域应用自然语言处理技术的研究。我们的目标是说明我们现在所处的位置,并为未来的研究提供蓝图。我们从三个方面,包括了解你的客户、了解你的产品和满足你的客户。对正式文件和非正式文本数据都进行了分析,以了解公司客户和个人客户。此外,我们讨论如何从前景和风险角度动态更新产品特征。最后,我们讨论满足B2C和C2C商业模式的客户。我们总结了过去和最近的挑战之后,我们强调Fintech的趋势和开放金融趋势中若干有希望的未来研究方向。