Building diversified and integrated service channels is the key task listed in the “FinTech Development Plan（2022-2025）”. This report first reviews the current development of the construction of diversified channels of financial services and points out three major problems and challenges in the process of channel construction. First，the capacity to integrate financial services into scenarios is insufficient and the open financial infrastructure needs to be strengthened. Second，the innovative application of emerging technologies in constructing service channels is inadequate and lacks industrial regulations and guidelines. Third，the layout of various channels in key areas of people’s livelihood needs to be improved in order to optimize the service quality and efficiency. This report then proposes solutions to these problems by analyzing the excellent cases of financial institutions in building diversified channels. Finally，this report provides two suggestions for future development. First，promoting the construction of financial infrastructure and platforms at the industry level，actively constructing more diversified financial channels，and strive to create to a fair，open and unified financial information service market nationwide. Second，further strengthening the standardized use of emerging technologies in the construction of financial service channels，encouraging the pilot programme，and publishing excellent cases. This report has provided possible solutions for the financial industry to build more diversified，convenient，efficient，and safe service channels，as well as the “boundaryless” omni-channel financial service capability.