（文章来源：新华财经） 人民财讯10月27日电，中国人民银行行长潘功胜27日说，支持更多商业银行成为数字人民币运营机构。 ...

据介绍，今年以来，人民银行深圳市分行指导深圳辖内金融机构持续加强数字人民币场景创新。其中， 农业银行深圳市分行成功落地深圳首笔数字人民币车险实名支付业务，实现了"保单录入－实名验证－ 数币支付"的全链条贯通；工商银行深圳市分行打通"贷款－数字人民币-供应链采购"闭环，利用数字人 民币智能化优势，为企业及其下游客户制定"经营快贷融资+数字人民币智能合约"方案，实现贷款资金 专款专用；交通银行深圳分行积极落实普惠金融政策，累计为民营中小微企业发放数字人民币普惠贷款 超2000万元。 在深入推进预付式经营管理数字人民币应用方面，深圳还首创了"数币商圈集中预付""商业保险+数字人 民币+平台监管"预付式经营管理服务模式，截至目前，预付式经营管理签约商家近5000家，服务客户 数超250万人次，管理资金近47亿元。 新华财经深圳10月26日电（记者卫韦华）据人民银行深圳市分行、国家外汇管理局深圳市分局最新统计 数据显示，截至2025年9月末，深圳已开立数字人民币钱包近3000万个，比年初增加近150万个，累计商 户（门店数）超过200万个，流通业务（转账、消费）金额近1800亿元，比年初增加近400亿元。 （文章来源： ...

在数字化浪潮与人工智能技术的双重驱动下，品牌竞争的核心正从"产品功能"转向"用户体验"与"情感连接"。客易云集团凭借其在AI领 域的深厚积累，推出数字人贴牌服务，通过"技术赋能+品牌定制+场景落地"的三维模式，助力合作伙伴打造具有差异化竞争力的智能 品牌，重新定义用户与品牌的互动方式。 一、贴牌服务：破解品牌AI化"三重困境" 传统品牌向智能化转型时，常面临三大挑战：技术门槛高、成本投入大、商业验证难。客易云数字人贴牌服务通过"技术模块化+服务 标准化"的创新模式，为品牌提供"拎包入住"式的AI解决方案： "某传统家电品牌通过我们的贴牌服务，仅用5周便上线了智能客服数字人，首月即承接30%的线上咨询量，客户满意度提升25%。"客 易云商业案例负责人透露。 二、品牌定制：让数字人成为"品牌代言人" 客易云深知，数字人不仅是技术产物，更是品牌价值的载体。因此，其贴牌服务提供"形象-语音-行为"三重定制： 1. 形象定制： 1. 语音克隆： 1. 行为定制： 技术模块化：将数字人核心技术（如语音交互、形象渲染、知识图谱）拆解为可复用的模块，品牌可根据需求灵活组合，降低研 发复杂度。 服务标准化：从需求对接、定制开发 ...

Core Insights - The article highlights the innovative collaboration between China Merchants Bank Qingdao Branch and the Qingdao Housing Provident Fund Management Center to address the challenges of using provident fund for down payments in second-hand housing transactions through a digital RMB solution [1][2]. Group 1: Challenges in Traditional Systems - The extraction of provident funds for down payments in second-hand housing transactions has been a persistent issue due to time lags and uncertainties, leading to regulatory challenges and fraud risks [2]. - The collaboration aims to tackle these barriers by integrating digital RMB into the second-hand housing transaction process [2]. Group 2: Digital RMB Advantages - The solution leverages the programmability and security features of digital RMB to create a comprehensive "security lock" for transaction funds [3]. - Buyers and sellers can sign regulatory agreements online via the bank's app, with funds being transferred to a digital RMB wallet that acts as a regulatory account, ensuring real-time fund movement and security [3]. Group 3: Market Response and Future Plans - Since its launch, the initiative has processed over 150 million yuan, assisting hundreds of families in overcoming down payment challenges [4]. - The bank plans to further optimize financial services and explore broader applications of digital RMB in various public and private sectors [4].

Core Insights - The successful implementation of the first digital RMB customs tax withholding business by China Merchants Bank Qingdao Branch and Qingdao Customs represents a significant innovation in the digital currency landscape, enhancing the efficiency of customs tax payments and providing a replicable model for digital transformation in government services [1][2][3] Group 1: Digital RMB Integration - China Merchants Bank, as a pilot bank for digital RMB, focuses on integrating digital currency with government service digitalization, particularly in enhancing customs tax payment efficiency for foreign trade enterprises [2] - The collaboration between China Merchants Bank Qingdao Branch and Qingdao Customs has led to the creation of a fully online closed-loop process for customs tax payment using digital RMB, streamlining operations and reducing the need for offline documentation [2] Group 2: Value Creation for Foreign Trade - The launch of the digital RMB customs tax withholding service is a key breakthrough in the bank's digital financial innovation strategy, showcasing its leadership in the industry and enhancing its market reputation [3] - This initiative expands the application boundaries of digital RMB, providing a model for future applications in various customs-related scenarios, thereby supporting high-quality development in foreign trade [3]

Core Insights - The integration of AI technology in JD's 11.11 shopping event enhances marketing, customer service, and user experience, allowing merchants to compete effectively and providing consumers with a smarter shopping experience [1][4] - The "Zero Frame Start" digital human mini-program launched by JD enables users and merchants to create high-quality digital content easily, lowering the barriers to entry for digital content creation [1][3] Group 1: Technology and User Experience - JD's mini-program can generate long videos with minimal errors and high-quality output, addressing traditional issues in digital human video production [3] - The user base of the "Zero Frame Start" mini-program increased by 111% since the 11.11 event, showcasing its effectiveness for both ordinary users and merchants [3] Group 2: Applications and Benefits - Ordinary users can create personalized content quickly, such as family videos or educational content, while merchants can utilize the mini-program for lightweight marketing strategies [3][4] - The technology not only democratizes content creation but also reduces operational costs for businesses, demonstrating the practical value of AI in everyday applications [4]

Core Insights - The People's Bank of China Shenzhen Branch reported significant growth in digital RMB adoption, with nearly 30 million digital wallets opened and over 2 million merchants accepting digital RMB as of September 2025 [1] - The total transaction amount for digital RMB in Shenzhen reached nearly 180 billion yuan, an increase of 40 billion yuan since the beginning of the year [1] Group 1: Digital RMB Wallets and Transactions - As of September 2025, Shenzhen has opened nearly 30 million digital RMB wallets, an increase of approximately 1.5 million since the start of the year [1] - The cumulative transaction amount for digital RMB reached nearly 180 billion yuan, with an increase of 40 billion yuan from the beginning of the year [1] Group 2: Innovative Applications and Use Cases - Shenzhen has implemented innovative applications for digital RMB, including the first digital RMB car insurance payment and direct salary payments to workers' digital wallets [1] - The Industrial and Commercial Bank of China Shenzhen Branch has created a closed loop for loans using digital RMB, providing tailored financing solutions for businesses [1] Group 3: Prepaid Business Management and Cross-Border Applications - Shenzhen has pioneered a prepaid business management service model, signing contracts with nearly 5,000 merchants and managing funds of nearly 4.7 billion yuan [2] - The region is exploring the applicability of a multilateral central bank digital currency bridge in cross-border transactions, with total business amounts exceeding 10 billion yuan [2]

Core Insights - AI technology is creating new growth paths for platforms, brands, and consumers, with JD's 11.11 event showcasing deep applications of large models in retail scenarios [1] - JD is offering a free AI growth toolkit during the 11.11 event, integrating JoyAI large model with digital humans and intelligent agents to enhance efficiency for consumers and reduce costs for brand merchants [1][7] AI Growth Toolkit - The toolkit includes four major AI products that are fully open for free, providing over 10 million free resources and more than 50 professional AI tools for merchants [1][2] - Key offerings include real-time rendering digital humans, brand-customized digital humans, JoyGen content creation platform, and the upgraded JD Xiaozhi 5.0 merchant service intelligent agent [2][4] Digital Human Upgrades - The real-time rendering digital human is a highlight, allowing merchants to modify product explanations and images during live broadcasts, enhancing flexibility and interactivity [4] - Brand-customized digital humans enable merchants to create unique digital personas that align with their brand identity for various promotional activities [4] Content Creation Empowerment - The JoyGen content creation platform addresses the challenge of content production for merchants, allowing for quick generation of marketing videos and other materials [5][6] - The platform significantly reduces video production time from half a day to just five minutes, showcasing a substantial increase in efficiency [6] Merchant Service Enhancements - JD Xiaozhi 5.0 offers improved customer service capabilities, with a threefold increase in response speed and a 28% reduction in the need for human intervention [6] - The intelligent agent also features proactive marketing capabilities, transitioning from passive responses to active service [6] Competitive Landscape - The competition in the e-commerce sector is shifting from traffic-based competition to technology-driven competition, with JD aiming to establish a differentiated advantage in the AI + retail space [7]

Core Insights - JD.com launched the "Zero Frame Start" digital human mini-program during the 1024 Programmer's Day, promoting the "All Things Have Spirit" campaign to make advanced AI digital human technology accessible to merchants and ordinary users [1][2] - The mini-program simplifies complex technical processes into an easy user experience, allowing users to create high-quality digital human videos with just a single image and accompanying audio or text [1] - This low-cost and high-efficiency creation model lowers the barrier for digital human content creation, enabling ordinary users to produce professional-grade content that can be easily downloaded and shared on social media [1] User Growth - Since the 11.11 shopping festival, the user base of the "Zero Frame Start" mini-program has increased by 111% compared to previous periods [2]

Core Insights - The integration of AI technology in JD's 11.11 shopping event enhances marketing, customer service, and user experience, allowing merchants to compete effectively and consumers to enjoy a smarter shopping experience [1][4] - The "Zero Frame Start" digital human mini-program launched by JD enables users to create high-quality digital content easily, lowering the barriers for content creation [1][3] Group 1: AI Integration and User Experience - AI technology is fully embedded in various aspects of JD's 11.11 event, providing a seamless and intelligent shopping experience for consumers [1] - The "Zero Frame Start" mini-program allows users to generate professional-grade digital human videos with just a photo and audio or text, significantly reducing the complexity and cost of content creation [1][3] Group 2: Technical Achievements and User Engagement - The mini-program can produce long videos with minimal errors and supports various character types, achieving high-quality 1080P output for diverse visual needs [3] - Since the launch of the mini-program, user engagement has increased by 111%, showcasing its effectiveness for both ordinary users and merchants [3] Group 3: Empowering Businesses and Individuals - The digital human technology not only aids in marketing for small and medium-sized businesses but also allows individuals to create personalized content, thus democratizing access to advanced technology [4] - JD's initiatives during 11.11 demonstrate the ultimate value of technology in enhancing daily life and empowering industries, aligning with the spirit of innovation celebrated on Programmer's Day [4]