互联网公司与银行,已经在相同的客户需求和迥异的监管尺度下快速进入“竞合时代”。危与机并存,亟待变革的传统银行纷纷利用互联网+思维,进行战略布局及转型优化调整。互联网金融公司乃至互联网银行,未来究竟会怎样?本文认为,数字化终将成为银行业乃至各行业的核心。随着互联网技术的普及与发展,国民需求日益网络化、数字化、碎片化,互联网开始与国民经济的各个方面深度融合。其中互联网金融业态尤为活跃,第三方支付、供应链金融、金融网销、众筹融资及个体网络借贷(P2P)平台等新 Internet companies and banks have quickly entered “competing times” with the same customer needs and varying regulatory standards. Crisis and coexistence, the urgent need to reform the traditional banks have used the Internet + thinking, strategic layout and restructuring and adjustment. Internet finance companies and even Internet banking, the future exactly what will happen? This paper believes that digital eventually will become the core of the banking industry and even the various industries. With the popularization and development of Internet technology, the national demand is increasingly networked, digitized and fragmented, and the Internet has begun to integrate deeply with all aspects of the national economy. Among them, the Internet finance industry was particularly active. Third-party payment, supply chain finance, financial network marketing, crowdfunding financing and P2P platform