金融进化指的是金融行业的发展和演变过程，随着时间的推移和技术的发展，金融行业不断进行变革和创新，以适应不断变化的市场需求和社会环境。

中文版：

金融进化是一个漫长的过程，经历了从传统金融到现代金融的转变。在早期，金融业主要以实体银行为中心，提供存贷款等基础金融服务。随着科技的发展，金融业开始逐渐向数字化、网络化、智能化方向发展，出现了互联网金融、区块链、人工智能等新兴领域。这些新兴领域不仅改变了金融行业的服务模式和业务流程，也深刻影响了人们的金融生活和消费习惯。

英文版：

Financial evolution is a long-term process that has witnessed a transition from traditional finance to modern finance. In the early days, the financial industry was mainly centered around physical banks, providing basic financial services such as deposit and loan. With the development of technology, the financial industry has gradually shifted towards digitalization, networking, and intelligence. As a result, new emerging fields such as Internet finance, blockchain, and artificial intelligence have emerged. These emerging fields have not only changed the service model and business processes of the financial industry, but also profoundly affected people's financial lives and consumption habits.