Due to the many financial licenses it owned， Ant Financial was once thought to be moving towards becoming a financial holding group. But this year， the company has adjusted its relationship between technology and finance， saying that it will only work on technology going forward， and help financial institutions improve their offerings. Its ultimate goal is to become the open platform that best understands commerce and finance.

To build a comprehensive financial ecology integrating banking， securities， and insurance， Ant Financial needs to attract enough financial institutions to achieve mutually beneficial and balanced business cooperation. Given the fierce competitive environment and with traditional financial institutions still on high alert， Ant Financial抯 opening-up still has a long way to go.