Fintech in the real world

Abstract

This study will focus on Fintech to introduce bitcoin and mobile payment. Research of Fintech will focus on bitcoin as a virtual currency in world trades and mining, and factors which influence people to use mobile payment. Bitcoin will study blockchain, data mining and forecast the future trend of bitcoin. Mobile payment will utilize data to speculate whether paying commission will affect people's choices of the payment application. Based on the user’s perceived value, this research constructs the model of using intention of Alipay and the sensitivity of commission, the benefits of encouraging money, long-term payment habit and application design to investigate by the corresponding online sample survey. Excel regression will analyze the theoretical model and research hypothesis, then comparison P-value to distinguish Wechat pay and Alipay in frequency, hoping to provide a reference for the development of Wechat and Alipay. Meanwhile, A prediction of the future development trend of Fintech by the related source will be made for development of Fintech.