This paper utilizes financial intermediation theory, financial innovation theory, and long-tail theory as foundational frameworks for research. Through an in-depth analysis of the case study involving CCB Financial Technology Co., Ltd.'s “Technology Middle Platform + Scenario Innovation”, this paper systematically explores the internal logic behind the integrated development of traditional finance and Internet finance, proposes three primary integration models for traditional finance and Internet finance. The technology empowerment model reshapes the financial infrastructure through modern information technology, realizes the complementary advantages of both sectors, and constructs a new financial ecosystem. The integration of online and offline channels can optimize resource allocation, enhance market competitiveness, and build a comprehensive service system. The product innovation integration model enhances the personalized service experience and promotes the reconstruction of the financial service pattern through the manifestation of multi-dimensional value. Based on the study of these integration models, this paper conducts a beneficial exploration of the specific pathways for the integration of the two sectors from three perspectives: subject collaboration, policy guidance, and customer demand. It highlights that, in the process of the integrated development of modern finance, subject collaboration can achieve complementary advantages, jointly address market challenges, and promote financial innovation and sustainable development. Policy guidance serves as a crucial guarantee for promoting the integration of the two sectors and ensuring its stable, long-term development. Customer demand is reshaping the pattern of the financial market and has become the key driving force for promoting the integration of the two.

Jiayi Li, Weiren Li. Research on the Integration Modes and Paths of Internet Finance and Traditional Finance. Academic Journal of Business & Management (2025), Vol. 7, Issue 4: 195-201. https://doi.org/10.25236/AJBM.2025.070424.

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