Digital Finance Talent Reform in Vocational Undergraduate Education under Digital Transformation

The rapid development of digital technologies such as big data, blockchain, cloud computing, and artificial intelligence is accelerating the transformation of the financial industry toward digitalization and intelligence. This shift has led to a growing demand for interdisciplinary talents who understand finance, possess digital literacy, and are capable of practical application. However, the current vocational undergraduate training system struggles to meet this demand due to outdated curricula, limited integration of technology, and weak industry–education collaboration. This paper analyzes the talent gap and structural challenges in digital finance education and proposes a reform path centered on optimizing professional positioning, reconstructing curriculum systems, enhancing multi-party collaboration, and building dual-teacher teams. The study aims to provide a practical model for cultivating high-level, application-oriented digital finance professionals, and to support the sustainable development of vocational education in the digital economy.