Core Insights - Kuaishou has launched a new digital human feature through its Keling AI, which supports generating videos up to 1 minute long, currently in public beta testing [2] - The digital human technology utilizes a cross-attention mechanism for audio-visual alignment, enhanced lip-sync training strategies, and refined data processing to synchronize voice and lip movements [2] - The model constructs a high-level narrative framework and generates multiple segments of digital human videos in parallel while maintaining identity consistency [2] Performance Testing - The digital human feature was tested with songs in Chinese, English, and Korean, showing better lip-sync performance with Chinese songs compared to English and Korean [4] - In the 8-second video test, certain words in English and Korean songs did not align well with the digital human's lip movements [4]

Core Insights - The Industrial and Commercial Bank of China (ICBC) Fangchenggang Branch has successfully launched the first digital RMB "Border Resident Loan" in the country, aimed at enhancing financial inclusion for border trade [1] - The loan is based on the bank's digital "Quick Loan" model and is a pure credit product that does not require collateral, addressing the short-term and urgent financing needs of border residents [1] - The loan is disbursed in digital RMB directly to the wallets of border residents, ensuring compliance and control over fund sources, while payments for border trade transactions are facilitated through the North Bay Digital RMB Comprehensive Service Platform [1] Summary by Sections Digital RMB Loan Initiative - The "Border Resident Loan" is designed to meet the financing needs of border residents with a focus on accessibility and ease of acquisition [1] - The loan features a one-year LPR (Loan Prime Rate) with low interest rates, promoting financial literacy through community engagement initiatives [1] Future Applications - ICBC Fangchenggang Branch plans to explore the application of digital RMB in cross-border e-commerce and bulk commodity trading, aiming to provide replicable financial innovation experiences for border trade across the country [2]

Group 1 - Kuaishou's subsidiary, Keling AI, has launched a new digital human feature that allows users to create 1080p/48FPS videos up to 1 minute long using a character image and a segment of text or audio [1] - The product is currently in public beta, with gradual access being opened [1]

Core Insights - The article discusses the upcoming comprehensive promotion of the digital RMB, highlighting its unique features and potential impact on the payment landscape in China [1][15]. Group 1: Digital RMB Overview - Digital RMB is a legal digital currency issued by the People's Bank of China, representing a digital form of the RMB with value characteristics and legal tender status [1][2]. - Unlike third-party payment tools like Alipay and WeChat Pay, digital RMB has a "loose coupling" feature, allowing users to have a digital wallet without a bank account [1][2]. Group 2: Payment Experience Transformation - Digital RMB offers extreme convenience with its dual offline payment capability, allowing transactions without network or power, particularly useful in remote areas [3]. - It incorporates a multi-layered security system, significantly reducing the risk of personal information leakage by not requiring bank account binding [4]. - The introduction of hard wallet cards and wearable devices aims to include populations with limited smartphone usage, enhancing accessibility to digital financial services [5]. Group 3: Market Dynamics - The market share of third-party payment platforms may face adjustments as digital RMB gains traction, with a reported 18.3% share in daily small payments in pilot cities [8]. - Digital RMB is expected to simplify cross-border payment processes, with trials already underway, potentially expanding to over 20 countries by the end of 2025 [9]. Group 4: Consumer Guidance - Users are encouraged to familiarize themselves with the digital RMB app, which is designed to be user-friendly and offers various payment methods [10]. - Promotions and discounts associated with digital RMB usage can lead to significant savings, with an average of 3% reduction in consumer costs [11]. - A strategic approach to payment tools is recommended, using digital RMB for small transactions and traditional payments for larger purchases [12]. Group 5: Future Outlook - The widespread adoption of digital RMB is projected to inject new momentum into China's digital economy, potentially adding over 2 trillion yuan in value and creating more than 2 million jobs by 2030 [15].

在人工智能技术日新月异的今天，客易云集团凭借其深厚的技术积累和前瞻性的行业视野，正式推出了其革命性的数字人API服务，为全球开发者及企业用 户提供了一个高效、灵活、高度逼真的数字人交互解决方案。 基于客易云自主研发的商业智脑大模型，该API集成了AI语音克隆、3D人像克隆、自然语言处理（NLP）、计算机视觉等前沿技术，使得数字人不仅能够实 现语音与图像的精准识别与交互，还能根据具体场景需求，展现出高度逼真的表情、动作及语音输出，为用户带来近乎真实的面对面交流体验。语音克隆技 术使得数字人能够拥有与真实人物无异的声线，无论是温柔的女声、浑厚的男声，还是带有地方特色的口音，都能完美复现，极大地增强了交互的个性化和 亲和力。 而3D人像克隆技术则通过高精度建模与渲染，让数字人在视觉上更加立体、生动，仿佛就在用户眼前。应用场景广泛：覆盖全行业需求 客易云数字人API的应用场景极为广泛，几乎覆盖了所有需要人机交互的行业领域。 在电商领域，数字人可以作为虚拟主播，24小时不间断地进行商品介绍与直播带货，有效提升销售转化率；在本地生活服务中，数字人可以作为智能客服， 快速响应用户咨询，提供个性化推荐与服务；在教育行业，数字 ...

Group 1 - The core viewpoint of the article highlights that CaiXun Co. has made significant breakthroughs in digital human technology research, expected to be realized in the first half of 2025 [1] - The company has achieved seamless integration of virtual images with rich media content through multimedia fusion and multimodal interaction capabilities, enhancing user engagement and information retrieval efficiency [1] - A dynamic digital human system has been constructed, supporting real-time video generation, scene transitions, and personalized expressions, which increases the liveliness and flexibility of interactions [1] - The introduction of emotional intelligence agents allows for real-time recognition of user emotions and human-like responses, improving the humanization of interactions [1] - In digital human content production, the company has completed the entire process of interactive and video production for film-level digital human agents, supporting multiple application scenarios [1]

Core Viewpoint - The event organized by Bank of Communications Hainan Branch integrates financial education and cybersecurity awareness through a digital human live broadcast, aiming to enhance public understanding of financial safety and cybersecurity measures [1][4]. Group 1: Event Overview - The live broadcast titled "Financial Cybersecurity" was launched on September 16, coinciding with the 2025 Financial Education Promotion Week and National Cybersecurity Promotion Week [1]. - The event featured "Jiang Ge," a digital employee of the bank, who utilized AI technology to present financial safety topics and real-life case studies [1][4]. Group 2: Content and Engagement - The broadcast employed immersive virtual scenes and real-time interaction to make complex financial knowledge more accessible to the audience [4]. - By 3 PM on the same day, the live broadcast had accumulated 4,940 views, with active audience engagement through comments [4]. Group 3: Future Directions - The initiative represents a proactive response by Bank of Communications to national promotional calls, showcasing an innovative approach to financial education through technology [4]. - The bank plans to continue leveraging financial technology to explore new methods for promoting financial knowledge and enhancing public financial literacy [4].

灵感岛特别在现场设置灵感岛AI数字人互动体验区，现场嘉宾仅需拍摄1张个人照片，即可生成高拟真 数字人分身，还能选择中文、泰语、马来语等东盟国家语言，定制专属AI数字人祝福视频。 本届东博会上，灵感岛以"越南榴莲商户拓展中国市场"为应用场景，通过AI图生视频、AI视频智能混剪 +全球社媒一键分发、超写实数字人生成、AI数字人直播四大核心功能，现场演示如何借助AI技术破解 跨境营销中的语言障碍、文化差异、落地成本高等痛点，助力东盟特色产品高效进入中国乃至全球市 场。 其中，AI电商图生视频方面，依托先进算法，仅需1张产品白底图，即可智能生成多场景、多风格的高 品质营销视频，拍摄成本降低60%以上，生产效率提升数十倍。 超写实数字人生成方面，基于天下秀自研高精度建模技术，生成表情生动、动作自然的超写实数字人， 支持15国语言输出，可广泛应用于品牌代言、智能客服、跨境直播等场景。 9月17日，第22届中国—东盟博览会在广西南宁开幕。记者从公司获悉，天下秀（600556）携AI智能平 台灵感岛、TOPKLOUT克劳锐等核心创新成果亮相该馆，以"AI技术+创新内容"双轮驱动，为这场国际 经贸盛会注入红人经济新活力。 位于 ...

Core Insights - Shanghai is positioning itself to challenge the long-standing dominance of New York and London as global financial centers by leveraging financial technology rather than competing on traditional grounds [1][3][12] - The city aims to become a globally competitive financial technology hub within five years, as outlined in its 2020 implementation plan [3][10] - Shanghai's financial institutions are rapidly adopting technologies like artificial intelligence, blockchain, and big data to transform credit assessment and service delivery [3][5] Financial Technology Integration - AI and blockchain technologies are deeply integrated into Shanghai's financial services, leading to significant changes in how services are delivered to individuals and businesses [5][6] - Personalized financial services are evolving from a one-size-fits-all approach to tailored solutions based on over 200 data dimensions, enhancing user experience [6] - Financial technology is addressing the challenges faced by small and micro enterprises in securing loans, shifting the focus from collateral to data-driven assessments [6] Efficiency and Cost Advantages - New payment systems, such as the "multilateral central bank digital currency bridge," demonstrate significant efficiency and cost advantages, enabling near-instantaneous cross-border transactions [8][10] - The use of blockchain technology in commodity financing, exemplified by the Shanghai Nonferrous Metals Network, has drastically reduced the time required for loan approvals from weeks to as little as two hours, improving efficiency by 84 times [6][8] Talent and Policy Support - Shanghai is actively attracting and nurturing talent through initiatives like the "financial technology professional certification" and special visas for top foreign talent [10] - The convergence of technology, talent, capital, and supportive national policies is aimed at establishing Shanghai as a key player in shaping future global financial rules [10][12] Vision for the Future - Shanghai's ambition is not merely to improve its position on the existing financial map but to create a new financial landscape characterized by data depth and technological speed [12] - The rapid cross-border payment capabilities and AI-driven financial services are seen as foundational elements of this new financial world [12]

Company - Baidu Group's stock surged nearly 20% during trading, reaching a two-year high of HKD 135.4, and closed up 15.72% at HKD 131, with over 50% increase in the last 20 trading days [1] - The management disclosed that revenue from digital human-related business in Q2 was approximately RMB 500 million, representing a 55% quarter-over-quarter growth, indicating an accelerating growth trend [1] - Notably, popular streamer Luo Yonghao announced two upcoming digital human live broadcasts on Baidu Youxuan, with the first live stream attracting over 13 million viewers and generating a GMV of over RMB 55 million, with some core categories outperforming real-person live broadcasts [1] - Analysts believe that the digital human business is becoming a new growth curve for Baidu, and its commercialization prospects have gained recognition from the capital market, which may be a significant catalyst for the recent stock price increase [1] Industry - The breakthrough advancements in Baidu's Huibo Star digital human technology are prompting global AI giants to follow suit, with Anthropic planning to invest USD 1 billion next year in AI training infrastructure, and OpenAI expected to invest USD 8 billion in data-related fields by 2030, focusing on developing "virtual employees" capable of executing complex tasks [1] - Baidu's Huibo Star digital human technology is built on the Wenxin large model 4.5 Turbo, achieving multiple technological breakthroughs [1]