Analysis of the Application of Fintech in Corporate Financial Decision-Making and Its Development Prospects

In the context of the continuous development of new technologies in financial technology, financial technology has gradually had a profound impact on the financial decision-making of enterprises and has become an important medium for improving the efficiency and quality of financial management work in enterprises. This article mainly analyzes the technical details of the application of emerging technologies in the financial decision-making process of enterprise management, focusing on their roles in intelligent prediction, risk management capabilities, and business process changes. At the same time, in response to their shortcomings such as insufficient technical interpretability, difficulty in system integration, and weak human-machine collaboration, optimization suggestions are proposed to improve model transparency, strengthen system integration, and build human-machine collaboration mechanisms to assist enterprises in better building their own financial intelligent decision-making mechanisms, which have certain reference significance.