Exploring Specialized FinTech Topics
摘要
This chapter examines the transformative convergence of financial technology (FinTech) with healthcare, insurance, banking, and digital assets, framed within the emerging “longevity economy.” It explores how FinTech innovations—such as blockchain, AI, decentralized autonomous organizations (DAOs), and tokenization—are reshaping traditional sectors by enabling new models for financing, investing, and managing health and wealth over extended lifespans. Key themes include the rise of “healthspan investing,” the application of InsurTech and personalized insurance, the integration of FinTech by small banks, and the evolving regulatory landscape for digital assets like stablecoins, CBDCs, and tokenized real-world assets (RWAs). The chapter also addresses the ethical, legal, and governance challenges inherent in this fusion, emphasizing the need for balanced frameworks that promote innovation while ensuring security, equity, and consumer protection. Ultimately, it presents FinTech as a critical infrastructure for building resilient, inclusive, and sustainable financial and healthcare systems in a rapidly digitizing world.