ANBOUND research team believes that the rapid development of internet finance relies on innovation and no doubt it is the beneficiary of public science and technology in this internet era. ANBOUND's chief researcher Chan Kung thinks that economic growth that led by technological innovation should be seen as macroeconomic phenomenon and public welfare in the macroeconomic system. How to effectively distribute such benefit of public science and technology depends on who can seize the opportunities via innovation. The rises of both internet finance and electronic commerce are benefitted from this public science and technology welfare.