The significance of fintech goes beyond empowering finance and improving efficiency; it also involves transforming and reshaping the financial industry, giving rise to new business models. Humanity is moving away from the Information Age and towards the Intelligent Age: from human cognition to machine cognition. Accordingly, fintech is advancing from its current 3.0 stage towards the data-driven and intelligence-focused era of 4.0.In the rapidly advancing world of the current technological revolution and industrial transformation, there is an urgent need for strong momentum from the financial sector. By improving the financial system, capital markets can become a hub for driving technological innovation and facilitating the transformation of the real economy.