2025-12-27 12:22:45

AI breaks the inherent thinking of traditional finance. Instead of spending effort optimizing those inherently inefficient processes that should be eliminated, it is better to completely redesign the financial product system. This is the core dilemma faced by financial practitioners in the AI era.

Using new tools to patch old frameworks is often the biggest waste. The real opportunity lies in AI enabling us to imagine unprecedented forms of financial products—eliminating those redundant legacy steps and building from scratch.

Looking ahead to 2025, this shift in thinking will become the watershed for financial innovation. Those still optimizing old systems will be left behind.

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ThreeHornBlasts

· 10h ago

That's right, the team that is still patching things up should really do some self-reflection. One optimization after another, one iteration after another, but in the end, it's still the same old path with new shoes... This wave of AI is really forcing financial professionals to reimagine their products, or else they'll truly be left behind.

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SwapWhisperer

· 11h ago

Well said. Patch it up and sew it together—it's about time to throw it away. Starting fresh and overturning everything is the real way to go. That group in Web3 has already been doing this. Traditional finance is still struggling with system migrations... Honestly, using AI to fix up old buildings is ridiculous. Just blow it up and rebuild. By 2025, we'll see who dares to cut the knife. The conservatives will be crushed. But to be honest, can these banks really go all in? I think it's uncertain.

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MetaMaskVictim

· 11h ago

Sounds right, but to be honest, those traditional finance folks just won't listen and are still stubbornly clinging to the broken system. Redesigning is much harder than optimization, and only a few dare to take action. In 2025, there will still be people patching things up, but they deserve to be left behind. Web3 has already been working on starting from scratch, but none of it has been fully implemented yet. This article is a bit idealistic, but the direction is definitely correct.

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SandwichVictim

· 11h ago

Well said, but in reality, most financial institutions are still patching things up and reluctant to start over from scratch. That being said, how many truly dare to clear everything and rebuild... the利益链条 is too deep. This is why crypto innovation completely outpaces traditional finance, because they simply have no historical baggage. But let me see, how long until 2025... it still feels like a lot of people will be there "refining and optimizing." Redesigning sounds easy, but reforming the vested interests is extremely difficult... that's the real dilemma. In my opinion, those who can truly start over are actually startups and Web3 projects. Traditional finance? Well, take your time.

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