The lack of high-quality financial innovation talents has become an obvious shortcoming in the development of financial innovation, and the call for the cultivation of talents to adapt to the increasingly changing new economic environment has become increasingly urgent. This study extracted the key factors affecting the cultivation of financial innovation talents by preprocessing the relevant data and eliminating the unreasonable information, and used factor analysis to remove the key factors influencing the cultivation of financial innovation talents, and used Pearson’s correlation coefficient method and correlation rule analysis algorithm to analyze the interrelationships between these factors in depth. The analysis results show that the correlation coefficients between the level of economic development and educational background and technological innovation reach 0.69 and 0.58, respectively, while the correlation coefficient between the level of human capital and the level of technological innovation is 0.46. Analyzing the level of financial innovation talent cultivation, we find that financial innovation development grows from about 22.5% to about 37.5% from 2016 to 2023. At the same time the amount of financial innovation talent grows from 490,000 to 880,000 people. However, the growth of financial innovation talent is gradually slowing down, pointing to the urgent need to develop talent. The strategies and suggestions put forward in this study provide essential references for cultivating financial innovation talents in the future, aiming to promote the sustainable development of financial innovation and the optimization of talent structure.