<p>金融科技股票繼續為投資者帶來巨大潛力，這些公司處於改變我們交易和思考貨幣方式的最前沿。這包括像比特幣（BTC-USD）這樣的加密貨幣的出現。</p>
<p>隨着貨幣系統持續受到顛覆，金融科技股票正在引領前進的道路。為了利用這些根本性變化，我研究了三家在風險和回報之間取得平衡的金融科技股票。這些被金融媒體經常忽視的隱藏機會獲得了分析師強烈的買入評級。</p>
<p>此外，隨着預計在 2024 年和 2025 年降息，經濟環境有望有利於金融科技公司。這可以促進市場流動性和增長。</p>
<p>讓我們來看看現在用 5000 美元購買的三家最聰明的金融科技股票。每一家都有望為短期和長期投資者帶來可觀的回報、收入和盈利增長。不要錯過這些絕佳的機會。</p>
<h2>維薩（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>圖片來源：Kikinunchi / Shutterstock.com</p>
<p>維薩（NYSE:V）被廣泛認為是最聰明的金融科技股票之一，因為它不斷創新並實施戰略舉措。</p>
<p>最近，維薩重新推出了其 SavingsEdge 計劃，為美國和加拿大的小型企業提供增值。它包括即時優惠券和返現優惠等功能，使業主能夠在必要採購上節省費用。</p>
<p>對於維薩的另一個重大發展是其發行第 100 億個令牌。此舉在全球範圍內為電子商務帶來了 400 億美元的額外收入。維薩的令牌化技術通過用加密密鑰替換敏感個人數據來增強數字支付的安全性。這項技術不僅提高了交易批准率，還顯著減少了欺詐。僅在過去一年，它為公司節省了 6.5 億美元。</p>
<p>因此，維薩處於一個很好的位置，可以繼續為中小企業提供價值，同時減少全球範圍內普遍存在的欺詐率。</p>
<h2>貝寶（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>圖片來源：Tada Images / Shutterstock.com</p>
<p>貝寶（NASDAQ:PYPL）由於其創新方法和旨在增強用户體驗和推動增長的戰略舉措而保持領先地位。</p>
<p>最近，貝寶推出了幾項新功能，包括 Fastlane。這種一鍵式客人結賬體驗顯著加快了商家和消費者的交易時間。此外，該公司推出了貝寶智能收據。它利用人工智能（AI）提供個性化推薦和返現獎勵。</p>
<p>通過連接 4.28 億活躍賬户的強大雙邊平台，貝寶在金融科技行業保持競爭優勢。其龐大的用户羣和廣泛的交易數據增強了其防範欺詐和提高授權率的能力。</p>
<p>此外，儘管市場湧現了大量新進入者，PYPL 仍然保持着顯著的先發優勢。它繼續創新以保持這一優勢，形成了對企業的強大護城河。</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>圖片來源：Wirestock Creators / Shutterstock.com</p>
<p>分期付款公司（NASDAQ:AFRM）由於其最近的戰略舉措和合作夥伴關係而受到關注。</p>
<p>一個重大發展是分期付款公司與蘋果（NASDAQ:AAPL）的合作。分期付款公司的 “買了再付款”（BNPL）服務將在今年晚些時候整合到 Apple Pay 中。這一合作使美國的 Apple Pay 用户可以在結賬時申請分期付款公司的貸款，這對公司可能是一個福音。</p>
<p>此外，分期付款公司受到金融分析師的積極勢頭。最近，高盛開始對分期付款公司進行覆蓋，並給予強烈的買入評級，將其視為 BNPL 領域的領先提供商。這是繼瑞士銀行發出類似強烈買入評級之後的又一好消息。</p>
<p>分期付款公司的強勁增長得到了最近季度財報的支持。去年同期，其收入增長了 51.2%，超出了分析師的預期。</p>
<p>所有這些因素共同意味着 AFRM 是我在最聰明的金融科技股票中的強烈選擇。</p>
<p>_在發佈日期，Matthew Farley 在本文提到的證券中沒有（直接或間接）任何頭寸。所表達的觀點屬於作者本人，遵守 InvestorPlace.com 的發佈準則。</p>
<p>Matthew 在 2017 年加密貨幣繁榮期間開始撰寫對金融市場的報道，還是幾家金融科技初創公司的團隊成員。然後，他開始為各種出版物撰寫有關澳大利亞和美國股票的文章。他的作品發表在 MarketBeat、FXStreet、Cryptoslate、Seeking Alpha 和《新科學家》雜誌等刊物上。</p>
<p>金融、金融科技</p>

AFRM

PYPL

<p>金融科技股被視為明智的投資選擇，具有穩健收益潛力。Visa、PayPal 和 Affirm 被認為是頂級選擇。Visa 不斷創新和代幣化技術使其成為強勁的參與者。PayPal 的創新功能和龐大用户羣賦予其競爭優勢。Affirm 與蘋果的合作以及積極的分析師評級使其成為一支有前途的股票。預計經濟環境將有利於金融科技公司，促進市場流動性和增長</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>金融科技股票繼續為投資者帶來巨大潛力，這些公司處於改變我們交易和思考貨幣方式的最前沿。這包括像比特幣（BTC-USD）這樣的加密貨幣的出現。</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>隨着貨幣系統持續受到顛覆，金融科技股票正在引領前進的道路。為了利用這些根本性變化，我研究了三家在風險和回報之間取得平衡的金融科技股票。這些被金融媒體經常忽視的隱藏機會獲得了分析師強烈的買入評級。</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，隨着預計在 2024 年和 2025 年降息，經濟環境有望有利於金融科技公司。這可以促進市場流動性和增長。</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>讓我們來看看現在用 5000 美元購買的三家最聰明的金融科技股票。每一家都有望為短期和長期投資者帶來可觀的回報、收入和盈利增長。不要錯過這些絕佳的機會。</p>
</div><h2>Visa (V)</h2>
<div class="lb-trans"><h2>維薩（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>圖片來源：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>維薩（NYSE:V）被廣泛認為是最聰明的金融科技股票之一，因為它不斷創新並實施戰略舉措。</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，維薩重新推出了其 SavingsEdge 計劃，為美國和加拿大的小型企業提供增值。它包括即時優惠券和返現優惠等功能，使業主能夠在必要採購上節省費用。</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>對於維薩的另一個重大發展是其發行第 100 億個令牌。此舉在全球範圍內為電子商務帶來了 400 億美元的額外收入。維薩的令牌化技術通過用加密密鑰替換敏感個人數據來增強數字支付的安全性。這項技術不僅提高了交易批准率，還顯著減少了欺詐。僅在過去一年，它為公司節省了 6.5 億美元。</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，維薩處於一個很好的位置，可以繼續為中小企業提供價值，同時減少全球範圍內普遍存在的欺詐率。</p>
</div><h2>PayPal (PYPL)</h2>
<div class="lb-trans"><h2>貝寶（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>圖片來源：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>貝寶（NASDAQ:PYPL）由於其創新方法和旨在增強用户體驗和推動增長的戰略舉措而保持領先地位。</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，貝寶推出了幾項新功能，包括 Fastlane。這種一鍵式客人結賬體驗顯著加快了商家和消費者的交易時間。此外，該公司推出了貝寶智能收據。它利用人工智能（AI）提供個性化推薦和返現獎勵。</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>通過連接 4.28 億活躍賬户的強大雙邊平台，貝寶在金融科技行業保持競爭優勢。其龐大的用户羣和廣泛的交易數據增強了其防範欺詐和提高授權率的能力。</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，儘管市場湧現了大量新進入者，PYPL 仍然保持着顯著的先發優勢。它繼續創新以保持這一優勢，形成了對企業的強大護城河。</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>圖片來源：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）由於其最近的戰略舉措和合作夥伴關係而受到關注。</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>一個重大發展是分期付款公司與蘋果（NASDAQ:AAPL）的合作。分期付款公司的 “買了再付款”（BNPL）服務將在今年晚些時候整合到 Apple Pay 中。這一合作使美國的 Apple Pay 用户可以在結賬時申請分期付款公司的貸款，這對公司可能是一個福音。</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師的積極勢頭。最近，高盛開始對分期付款公司進行覆蓋，並給予強烈的買入評級，將其視為 BNPL 領域的領先提供商。這是繼瑞士銀行發出類似強烈買入評級之後的又一好消息。</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>分期付款公司的強勁增長得到了最近季度財報的支持。去年同期，其收入增長了 51.2%，超出了分析師的預期。</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>所有這些因素共同意味着 AFRM 是我在最聰明的金融科技股票中的強烈選擇。</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>_在發佈日期，Matthew Farley 在本文提到的證券中沒有（直接或間接）任何頭寸。所表達的觀點屬於作者本人，遵守 InvestorPlace.com 的發佈準則。</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 年加密貨幣繁榮期間開始撰寫對金融市場的報道，還是幾家金融科技初創公司的團隊成員。然後，他開始為各種出版物撰寫有關澳大利亞和美國股票的文章。他的作品發表在 MarketBeat、FXStreet、Cryptoslate、Seeking Alpha 和《新科學家》雜誌等刊物上。</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 持續潛力巨大，為投資者帶來穩健收益。這些公司處於改變交易和貨幣觀念前沿，包括比特幣（BTC-USD）等加密貨幣的出現。
- 隨着貨幣系統持續混亂，fintech 股票引領前行。隨着 2024 年和 2025 年預計利率下降，經濟環境有利於 fintech 公司，可促進市場流動性和增長。
- Visa（V）持續創新和戰略舉措使其成為最明智的 fintech 股票之一。最近，Visa 重新推出 SavingsEdge 計劃，為美國和加拿大的小企業提供增值服務。同時，Visa 發行了第 100 億個令牌，全球電子商務收入增加了 400 億美元。Visa 的令牌技術提高了數字支付的安全性，顯著降低了欺詐率，僅去年就為公司節省了 6.5 億美元。

現在用 5000 美元購買的三隻最聰明的金融科技股票