The Impact of Digital Finance on the Commercial Circulation Industry Based on IoT and Big Data

Table 1

Hierarchical classification and key process areas.

Grade name	Process areas at all levels	Grade characteristics
(1) Initial stage	—	Software process is characterized by disorder, even chaos
(2) Repeatable stages	Demand management	Cost, schedule, and functional characteristics
(3) Defined level	Integrated management	Tailored processes
(4) Managed level	Quantitative process management; Software quality management	Collect detailed metrics
(5) Optimization level	Defect prevention; Technical innovation management; Process change management	—