id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fbem-30074	Zhang, Jiawei	Analysis of the Application of Blockchain Technology in Banking	2025	5	.pdf	application/pdf	3641	180	29	Abstract: This paper discusses the application of blockchain technology in the banking industry, highlighting its role in business upgrading, restructuring, and addressing various challenges. While blockchain technology optimizes payment and settlement systems, reduces transaction costs, and enhances operational efficiency, it also undermines traditional banks' intermediary revenue streams and dominant position.	cache/fbem-30074.pdf	txt/fbem-30074.txt