Difficult. There are few papers on the direction of financial digital transformation, which need rigorous logic and accurate description. Compared with other papers, it is difficult to clarify the external logic and internal logic of financial digital transformation from the theoretical level, and explain that the role of financial digital transformation is newly positioned as an enabler and an innovation leader. Papers are often used to refer to articles that conduct research in various academic fields and describe academic research results, which are referred to as papers for short.