Abstract: Financial digitization, with data as the critical source of information, aims to upgrade the elements of the financial industry chain through digitalization, thereby serving the real economy and promoting economic development. It involves four core processes: digital marketing, digital operation, digital risk management, and digital customer service. This paper delves into the mathematical models and theoretical knowledge widely applied in the first three processes to reveal their mathematical nature. In this paper, the linear regression model and the time series analysis model were applied and compared with the actual data. Additionally, the analytic hierarchy process (AHP) was utilized for investment decision-making, and the fuzzy comprehensive evaluation method was used for comprehensive risk scoring.