Welcome to the Proceedings of the 3rd International Conference on Financial Innovation, FinTech and Information Technology (FFIT 2024). Against the backdrop of the complex and changing global financial environment and the rapid changes in financial technology, FFIT 2024 centers its core topics on “financial innovation”, “financial technology” and “information technology”, following the pulse of the times and focusing on cutting-edge developments. The conference was organized through virtual way, breaking the geographical limitations and allowing participants from all over the world to take part in this academic feast conveniently. This not only helps to promote academic exchanges and cooperation among scholars from different countries, but also stimulates innovative thinking and injects new vitality into financial innovation and technological development.

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