Author(s)

Bin Zhang ¹

Affiliation(s)

¹ Fudan University, Shanghai, 200433, China

Corresponding Author

Bin Zhang

ABSTRACT

To address the limitations of traditional centralized architectures in financial informatization—such as low resource utilization, high expansion costs, and insufficient elasticity—and to meet the agile service and compliance demands of the digital finance era, this paper investigates the design of a financial informatization service platform based on cloud computing. The study begins by summarizing key cloud computing characteristics, including resource pooling and elastic scalability, and examines the evolution of financial informatization alongside the synergistic relationship between technological and business drivers. A five-tier architecture is proposed, comprising the infrastructure, platform service, application service, user interface, and service integration and collaboration layers, with the functional role of each tier clearly defined. For instance, the infrastructure layer ensures resource redundancy and security isolation, while the platform service layer offers middleware and development tools. The implementation pathways and application logic of core technologies—such as virtualization, distributed storage, big data processing, and cloud computing management—are further elaborated. Experimental analysis based on a large commercial bank demonstrates that the platform improves loan approval efficiency by 91.67%, doubles the acceptance rate of customer service recommendations, and achieves 95% accuracy in credit risk early warning, significantly outperforming traditional systems. The findings verify that the platform enables intensive financial resource management, facilitates business automation, personalized services, and intelligent risk control, thereby offering technical support and practical insights for the digital transformation of the financial industry.

KEYWORDS

Cloud Computing; Financial Informatization; Service Platform

CITE THIS PAPER

Bin Zhang, Research on the Construction of Financial Information Service Platform Based on Cloud Computing. Advances in Computer, Signals and Systems (2025) Vol. 9: 114-121. DOI: http://dx.doi.org/10.23977/acss.2025.090314.

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