<p>金融科技股票继续为投资者带来巨大潜力，这些公司处于改变我们交易和思考货币方式的最前沿。这包括像比特币（BTC-USD）这样的加密货币的出现。</p>
<p>随着货币系统持续受到颠覆，金融科技股票正在引领前进的道路。为了利用这些根本性变化，我研究了三家在风险和回报之间取得平衡的金融科技股票。这些被金融媒体经常忽视的隐藏机会获得了分析师强烈的买入评级。</p>
<p>此外，随着预计在 2024 年和 2025 年降息，经济环境有望有利于金融科技公司。这可以促进市场流动性和增长。</p>
<p>让我们来看看现在用 5000 美元购买的三家最聪明的金融科技股票。每一家都有望为短期和长期投资者带来可观的回报、收入和盈利增长。不要错过这些绝佳的机会。</p>
<h2>维萨（V）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>图片来源：Kikinunchi / Shutterstock.com</p>
<p>维萨（NYSE:V）被广泛认为是最聪明的金融科技股票之一，因为它不断创新并实施战略举措。</p>
<p>最近，维萨重新推出了其 SavingsEdge 计划，为美国和加拿大的小型企业提供增值。它包括即时优惠券和返现优惠等功能，使业主能够在必要采购上节省费用。</p>
<p>对于维萨的另一个重大发展是其发行第 100 亿个令牌。此举在全球范围内为电子商务带来了 400 亿美元的额外收入。维萨的令牌化技术通过用加密密钥替换敏感个人数据来增强数字支付的安全性。这项技术不仅提高了交易批准率，还显著减少了欺诈。仅在过去一年，它为公司节省了 6.5 亿美元。</p>
<p>因此，维萨处于一个很好的位置，可以继续为中小企业提供价值，同时减少全球范围内普遍存在的欺诈率。</p>
<h2>贝宝（PYPL）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>图片来源：Tada Images / Shutterstock.com</p>
<p>贝宝（NASDAQ:PYPL）由于其创新方法和旨在增强用户体验和推动增长的战略举措而保持领先地位。</p>
<p>最近，贝宝推出了几项新功能，包括 Fastlane。这种一键式客人结账体验显著加快了商家和消费者的交易时间。此外，该公司推出了贝宝智能收据。它利用人工智能（AI）提供个性化推荐和返现奖励。</p>
<p>通过连接 4.28 亿活跃账户的强大双边平台，贝宝在金融科技行业保持竞争优势。其庞大的用户群和广泛的交易数据增强了其防范欺诈和提高授权率的能力。</p>
<p>此外，尽管市场涌现了大量新进入者，PYPL 仍然保持着显著的先发优势。它继续创新以保持这一优势，形成了对企业的强大护城河。</p>
<h2>分期付款公司（AFRM）</h2>
<p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>图片来源：Wirestock Creators / Shutterstock.com</p>
<p>分期付款公司（NASDAQ:AFRM）由于其最近的战略举措和合作伙伴关系而受到关注。</p>
<p>一个重大发展是分期付款公司与苹果（NASDAQ:AAPL）的合作。分期付款公司的 “买了再付款”（BNPL）服务将在今年晚些时候整合到 Apple Pay 中。这一合作使美国的 Apple Pay 用户可以在结账时申请分期付款公司的贷款，这对公司可能是一个福音。</p>
<p>此外，分期付款公司受到金融分析师的积极势头。最近，高盛开始对分期付款公司进行覆盖，并给予强烈的买入评级，将其视为 BNPL 领域的领先提供商。这是继瑞士银行发出类似强烈买入评级之后的又一好消息。</p>
<p>分期付款公司的强劲增长得到了最近季度财报的支持。去年同期，其收入增长了 51.2%，超出了分析师的预期。</p>
<p>所有这些因素共同意味着 AFRM 是我在最聪明的金融科技股票中的强烈选择。</p>
<p>_在发布日期，Matthew Farley 在本文提到的证券中没有（直接或间接）任何头寸。所表达的观点属于作者本人，遵守 InvestorPlace.com 的发布准则。</p>
<p>Matthew 在 2017 年加密货币繁荣期间开始撰写对金融市场的报道，还是几家金融科技初创公司的团队成员。然后，他开始为各种出版物撰写有关澳大利亚和美国股票的文章。他的作品发表在 MarketBeat、FXStreet、Cryptoslate、Seeking Alpha 和《新科学家》杂志等刊物上。</p>
<p>金融、金融科技</p>

AFRM

PYPL

<p>金融科技股被视为明智的投资选择，具有稳健收益潜力。Visa、PayPal 和 Affirm 被认为是顶级选择。Visa 不断创新和代币化技术使其成为强劲的参与者。PayPal 的创新功能和庞大用户群赋予其竞争优势。Affirm 与苹果的合作以及积极的分析师评级使其成为一支有前途的股票。预计经济环境将有利于金融科技公司，促进市场流动性和增长</p>

<p>Fintech stocks continue to hold immense potential for delivering solid gains to investors. These companies are at the forefront of revolutionizing how we transact and think about money. And this includes the advent of cryptocurrencies like <strong>Bitcoin</strong> (<strong>BTC-USD</strong>).</p>
<div class="lb-trans"><p>金融科技股票继续为投资者带来巨大潜力，这些公司处于改变我们交易和思考货币方式的最前沿。这包括像比特币（BTC-USD）这样的加密货币的出现。</p>
</div><p>As we witness ongoing disruption in the monetary system, fintech stocks are paving the way forward. To capitalize on these fundamental shifts, I’ve researched three fintech stocks that strike the right balance between risk and reward. Often overlooked in financial media, these hidden opportunities garner strong buy ratings from analysts.</p>
<div class="lb-trans"><p>随着货币系统持续受到颠覆，金融科技股票正在引领前进的道路。为了利用这些根本性变化，我研究了三家在风险和回报之间取得平衡的金融科技股票。这些被金融媒体经常忽视的隐藏机会获得了分析师强烈的买入评级。</p>
</div><p>Moreover, with falling interest rates predicted throughout 2024 and 2025, the economic environment is expected to favor fintech companies. This can boost market liquidity and growth.</p>
<div class="lb-trans"><p>此外，随着预计在 2024 年和 2025 年降息，经济环境有望有利于金融科技公司。这可以促进市场流动性和增长。</p>
</div><p>Let’s examine three smartest fintech stocks to buy with $5,000 right now. Each stand poised to deliver substantial returns, revenue and earnings hikes for both short- and long-term investors. Don’t miss out on these great opportunities.</p>
<div class="lb-trans"><p>让我们来看看现在用 5000 美元购买的三家最聪明的金融科技股票。每一家都有望为短期和长期投资者带来可观的回报、收入和盈利增长。不要错过这些绝佳的机会。</p>
</div><h2>Visa (V)</h2>
<div class="lb-trans"><h2>维萨（V）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: Kikinunchi / Shutterstock.com</p>
<div class="lb-trans"><p>图片来源：Kikinunchi / Shutterstock.com</p>
</div><p><strong>Visa</strong> (NYSE:<strong>V</strong>) is widely regarded as one of the smartest fintech stocks in which to invest due to its continuous innovation and strategic initiatives.</p>
<div class="lb-trans"><p>维萨（NYSE:V）被广泛认为是最聪明的金融科技股票之一，因为它不断创新并实施战略举措。</p>
</div><p>Recently, Visa relaunched its SavingsEdge program, which offers enhanced value to small businesses in the U.S. and Canada. It includes features like Instant Coupons and Cashback Offers, allowing proprietors to save on essential purchases.</p>
<div class="lb-trans"><p>最近，维萨重新推出了其 SavingsEdge 计划，为美国和加拿大的小型企业提供增值。它包括即时优惠券和返现优惠等功能，使业主能够在必要采购上节省费用。</p>
</div><p>Another significant development for Visa is its achievement of issuing the 10 billionth token. The move generated $40 billion in incremental e-commerce revenue globally. Visa’s tokenization technology enhances security across digital payments by replacing sensitive personal data with cryptographic keys. This technology has not only improved transaction approval rates but also significantly reduced fraud. It saved the company $650 million in the past year alone.</p>
<div class="lb-trans"><p>对于维萨的另一个重大发展是其发行第 100 亿个令牌。此举在全球范围内为电子商务带来了 400 亿美元的额外收入。维萨的令牌化技术通过用加密密钥替换敏感个人数据来增强数字支付的安全性。这项技术不仅提高了交易批准率，还显著减少了欺诈。仅在过去一年，它为公司节省了 6.5 亿美元。</p>
</div><p>Thus, Visa is in a great position to continue to offer value to SMBs as well as cut down on the rampant rates of fraud seen worldwide.</p>
<div class="lb-trans"><p>因此，维萨处于一个很好的位置，可以继续为中小企业提供价值，同时减少全球范围内普遍存在的欺诈率。</p>
</div><h2>PayPal (PYPL)</h2>
<div class="lb-trans"><h2>贝宝（PYPL）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: Tada Images / Shutterstock.com</p>
<div class="lb-trans"><p>图片来源：Tada Images / Shutterstock.com</p>
</div><p><strong>PayPal</strong> (NASDAQ:<strong>PYPL</strong>) remains a leading player due to its innovative approaches and strategic initiatives aimed at enhancing user experience and driving growth.</p>
<div class="lb-trans"><p>贝宝（NASDAQ:PYPL）由于其创新方法和旨在增强用户体验和推动增长的战略举措而保持领先地位。</p>
</div><p>Recently, PayPal introduced several new features, including Fastlane. This one-click guest checkout experience significantly accelerates transaction times for merchants and consumers. Additionally, the company unveiled PayPal Smart Receipts. It leverages artificial intelligence ( <strong>AI</strong>) to offer personalized recommendations and cashback rewards.</p>
<div class="lb-trans"><p>最近，贝宝推出了几项新功能，包括 Fastlane。这种一键式客人结账体验显著加快了商家和消费者的交易时间。此外，该公司推出了贝宝智能收据。它利用人工智能（AI）提供个性化推荐和返现奖励。</p>
</div><p>With a robust two-sided platform connecting 428 million active accounts, PayPal maintains a competitive edge in the fintech industry. Its vast user base and extensive transaction data enhance its ability to prevent fraud and improve authorization rates.</p>
<div class="lb-trans"><p>通过连接 4.28 亿活跃账户的强大双边平台，贝宝在金融科技行业保持竞争优势。其庞大的用户群和广泛的交易数据增强了其防范欺诈和提高授权率的能力。</p>
</div><p>Additionally, PYPL manages to maintain its significant first-mover advantage in the industry despite the plethora of new entrants into the market. It also continues to innovate to maintain this edge, which forms a powerful moat around the business.</p>
<div class="lb-trans"><p>此外，尽管市场涌现了大量新进入者，PYPL 仍然保持着显著的先发优势。它继续创新以保持这一优势，形成了对企业的强大护城河。</p>
</div><h2>Affirm (AFRM)</h2>
<div class="lb-trans"><h2>分期付款公司（AFRM）</h2>
</div><p><img src="https://imageproxy.pbkrs.com/https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif" alt="" original-src="https://investorplace.com/wp-content/plugins/lazy-load/images/1x1.trans.gif"/></p>
<p>Source: Wirestock Creators / Shutterstock.com</p>
<div class="lb-trans"><p>图片来源：Wirestock Creators / Shutterstock.com</p>
</div><p><strong>Affirm</strong> (NASDAQ:<strong>AFRM</strong>) is gaining attention as a smart fintech stock due to its recent strategic moves and partnerships.</p>
<div class="lb-trans"><p>分期付款公司（NASDAQ:AFRM）由于其最近的战略举措和合作伙伴关系而受到关注。</p>
</div><p>One significant development is Affirm’s collaboration with <strong>Apple</strong>(NASDAQ:<strong>AAPL</strong>). Affirm’s “buy now, pay later” ( <strong>BNPL</strong>) service will be integrated into Apple Pay later this year. This partnership allows Apple Pay users in the U.S. to apply for Affirm BNPL loans during checkout, which could be a boon for the company.</p>
<div class="lb-trans"><p>一个重大发展是分期付款公司与苹果（NASDAQ:AAPL）的合作。分期付款公司的 “买了再付款”（BNPL）服务将在今年晚些时候整合到 Apple Pay 中。这一合作使美国的 Apple Pay 用户可以在结账时申请分期付款公司的贷款，这对公司可能是一个福音。</p>
</div><p>Also, Affirm has seen positive momentum from financial analysts. Recently, Goldman Sachs initiated coverage of Affirm with a strong buy rating, highlighting it as a leading provider in the BNPL sector. This follows a similar strong buy rating from Mizuho.</p>
<div class="lb-trans"><p>此外，分期付款公司受到金融分析师的积极势头。最近，高盛开始对分期付款公司进行覆盖，并给予强烈的买入评级，将其视为 BNPL 领域的领先提供商。这是继瑞士银行发出类似强烈买入评级之后的又一好消息。</p>
</div><p>AFRM’s robust growth is further supported by its recent quarterly earnings report. It exceeded analysts’ expectations, demonstrating strong revenue growth of 51.2% year-over-year​ ( <strong>YOY</strong>) last quarter.</p>
<div class="lb-trans"><p>分期付款公司的强劲增长得到了最近季度财报的支持。去年同期，其收入增长了 51.2%，超出了分析师的预期。</p>
</div><p>All of these factors together means that AFRM is one of my strong picks as part of the smartest fintech stocks to buy.</p>
<div class="lb-trans"><p>所有这些因素共同意味着 AFRM 是我在最聪明的金融科技股票中的强烈选择。</p>
</div><p><em>On the date of publication, Matthew Farley did not have (either directly or indirectly) any positions in the securities mentioned in this article. The opinions expressed are those of the writer, subject to the InvestorPlace.com Publishing Guidelines.</em></p>
<div class="lb-trans"><p>_在发布日期，Matthew Farley 在本文提到的证券中没有（直接或间接）任何头寸。所表达的观点属于作者本人，遵守 InvestorPlace.com 的发布准则。</p>
</div><p>Matthew started writing coverage of the financial markets during the crypto boom of 2017 and was also a team member of several fintech startups. He then started writing about Australian and U.S. equities for various publications. His work has appeared in MarketBeat, FXStreet, Cryptoslate, Seeking Alpha, and the New Scientist magazine, among others.</p>
<div class="lb-trans"><p>Matthew 在 2017 年加密货币繁荣期间开始撰写对金融市场的报道，还是几家金融科技初创公司的团队成员。然后，他开始为各种出版物撰写有关澳大利亚和美国股票的文章。他的作品发表在 MarketBeat、FXStreet、Cryptoslate、Seeking Alpha 和《新科学家》杂志等刊物上。</p>
</div><p>Financial, Fintech</p>
<div class="lb-trans"><p>金融、金融科技</p>
</div>

The 3 Smartest Fintech Stocks to Buy With $5K Right Now

- Fintech stocks 持续潜力巨大，为投资者带来稳健收益。这些公司处于改变交易和货币观念前沿，包括比特币（BTC-USD）等加密货币的出现。
- 随着货币系统持续混乱，fintech 股票引领前行。随着 2024 年和 2025 年预计利率下降，经济环境有利于 fintech 公司，可促进市场流动性和增长。
- Visa（V）持续创新和战略举措使其成为最明智的 fintech 股票之一。最近，Visa 重新推出 SavingsEdge 计划，为美国和加拿大的小企业提供增值服务。同时，Visa 发行了第 100 亿个令牌，全球电子商务收入增加了 400 亿美元。Visa 的令牌技术提高了数字支付的安全性，显著降低了欺诈率，仅去年就为公司节省了 6.5 亿美元。

现在用 5000 美元购买的三只最聪明的金融科技股票