朱平表示，生成式AI的快速发展正在改变客户与保险机构的交互方式。过去以被动响应为主的服务模 式，正在向更加连贯、智能、随时可达的体验转变。这意味着，服务正在从以产品为中心的单点处理， 迈向以关系为核心的全周期陪伴。 朱平认为，未来的保险服务将呈现出更高频、更低摩擦、更智能的交互形态。随着多模态大模型能力的 增强，服务将突破传统边界，融入客户在健康、医疗、资产管理及家庭规划等场景中的日常决策。未来 保险产品的组合与SKU将呈指数级增长，服务模式将更贴近客户的实际需求，以智能方式实现动态匹 配。"保险将成为日常生活和长期规划的一部分，而不再是一纸静态合约。" 据介绍，作为平安集团唯一对外金融科技输出窗口，金融壹账通正在将平安在客户服务、保险科技、智 能风控等领域的成熟能力体系化输往全球市场。依托在SaaS化平台、业务场景数字化方面的长期积累， 金融壹账通持续推动金融科技在东南亚、中东等地区的落地，帮助当地金融机构提升效率、优化体验、 加速数字化转型。未来，金融壹账通将继续依托平安集团的技术底座与场景优势，以可复制、可规模 化、可持续的方式促进中国金融科技能力在国际市场发挥更大价值。 本报讯(记者李冰)近日，202 ...

从油车到电车，从机械到智能，再到如今的"数据驱动汽车"，每一辆车，都正在被重新定义。而在这场 升级里，汽车金融、汽车保险、汽车服务，也到了彻底重做一遍的时候。 让"交易-金融-服务"三端重新连起来，金融壹账通正式推出「车生态平台」。 简单说，这是一个把车主服务、车险、车贷、车后全部串起来的"一站式智能车生态底座"。但它真正的 意义，不是做一个平台，而是重做行业的技术栈：让车贷审批不再依赖人工，车险核保与定价更精准， 车主洗车、保养、充电等服务真正线上化，同时让车企、经销商、保险公司、银行……在同一套系统协 同，打通多角色之间的信息流与资金流，构建端到端的服务闭环。让一辆车从卖出去，到用起来，到服 务好，都能跑在同一条"智能链路"上。 • 智能风控：本地化建模，覆盖贷前—贷中—贷后全流程 • 保险科技：自动核保、智能定价、自动理赔、反欺诈、反渗漏 • 车联网：对接主流车载设备，实时监测车辆状态与驾驶行为 • 自动化运营：合同签署、资方对接、放款管理、客服全流程自动化 不是从零起步，而是把车险与车后服务能力，打包成可出海的技术基础设施。 打通全流程 「车生态平台」第一件事，就是做全流程系统化设计：线上车商城、一/ ...

Core Insights - The "2025 AI Large Model Financial Innovation Application Competition" announced its award winners at the 7th Shanghai Fintech International Forum, with 102 projects receiving various awards from a total of 170 submissions [1] Group 1: Competition Overview - The competition was jointly organized by the National AI Application Pilot Base of China UnionPay and the Shanghai Financial Large Model Application Training Pilot Base [1] - A total of 103 organizations participated, with 170 projects submitted for evaluation [1] Group 2: Award Highlights - Financial One Account's project, "Intelligent Customer Service Robot Based on Large Model," won the Excellent Award in the high-value scenario track for the insurance and banking group [1] - The project is based on practical experience from a large comprehensive financial group and currently serves dozens of financial institutions across banking, insurance, and securities sectors [1] Group 3: Project Performance - The intelligent customer service robot handles an average of 10 million conversations per month, achieving an average response accuracy rate of 96% and a customer issue resolution rate exceeding 90% [1] - Online robot services account for 72% of interactions, allowing users to receive answers within one second without needing to engage human customer service, significantly reducing wait times and lowering operational costs by 30% for the financial institutions served [1]

Core Viewpoint - The Ping An Volunteer Association's Financial One Account Volunteer Branch is actively promoting the "Safe Guardian Action - Old Items New Life, Love Not Idle" initiative, encouraging employees to donate unused items to support public welfare through recycling efforts [1][3]. Group 1: Donation Activity - The items collected during the activity include clothing, baby supplies, learning materials, books, home appliances, kitchenware, toys, and other durable goods that are still usable [3]. - Employees from both Shanghai Xuhui and Shenzhen PAFC participated by donating items during lunch and after work hours [3]. - All donated items will be sorted by public welfare organizations and converted into funds through sales to support projects that help special groups gain employment opportunities and integrate into the community [3]. Group 2: Ongoing Public Welfare Efforts - Financial One Account has been promoting public welfare practices and implementing ESG concepts throughout the year, focusing on community support, employee participation, and environmental sustainability [3]. - The company organized various initiatives, including providing material support and order assistance for parents at exam sites during the 2025 college entrance examination, and launched the "Together for Good, Warmth Forward" initiative during "Chinese Charity Day" to encourage employees to spread kindness through daily actions [3]. - Additional activities include AHA first aid training, voluntary blood donation, and low-carbon living practices, as well as the "Walking Together, Heartwarming Action" campaign where employees accumulate steps to raise funds for public welfare projects [3]. Group 3: Future Outlook - Through the "Love Not Idle" public welfare activity, Financial One Account aims to rejuvenate unused items and transform the innovative power of financial technology into social welfare practices, embodying the concept of "Technology for Good" [3]. - The company plans to continue exploring sustainable public welfare models and encourage employee participation, integrating technological innovation with social value creation to bring broader positive impacts to the community and society [3].

Core Insights - Financial One Account and Italy's Generali Group held a strategic meeting in Singapore to explore collaboration opportunities in customer management, digital transformation, and AI applications [1] - Generali Group is advancing its "Lifetime Partner 2027" strategy, focusing on customer system development, large-scale AI application, and data-driven transformation [1] Company Overview - Financial One Account introduced Ping An Group's comprehensive financial model of "one customer, multiple products, one-stop service" [1] - As of September 30, 2025, Ping An has nearly 250 million individual customers, with an average of 2.94 contracts per customer and a retention rate of 97.5% for customers holding four or more contracts, showcasing strong customer management capabilities [1] Technology Application - Ping An Property & Casualty achieved 89% of its car insurance sales through a one-minute intelligent underwriting process, with AI service handling 1.292 billion interactions, covering 80% of customer service operations [1] - Financial One Account has established an AI capability system that covers the entire insurance process [1] Recognition and Future Collaboration - Generali Group highly recognizes Ping An's practices in big data governance, AI governance frameworks, and digital operations [1] - Financial One Account is actively promoting its technological capabilities in global markets, forming replicable global service capabilities, and both parties believe this exchange lays a solid foundation for future cooperation [1]

Core Insights - The "Digital Risk Control Project" won the second prize in the national finals of the 2025 "Data Element ×" competition, showcasing a significant achievement among 22,000 participating projects [1] - The competition aims to promote the marketization of data elements and the deep integration of data with industries, with a focus on various sectors including financial services [1] Group 1: Project Overview - The "Digital Risk Control Project" addresses industry pain points such as data integration, circulation, and application difficulties, establishing the first "data-risk-ecosystem" digital risk control system in the insurance sector [2] - The project utilizes a robust data foundation from Ping An Group, creating a comprehensive database covering ten high-quality data categories, with a total data volume exceeding PB level [2] - It integrates over 370 authoritative data sources, achieving a compliance data fusion model and a claims knowledge engineering system, with data standards reaching DCMM level five [2] Group 2: Technological Innovations - The project has developed a large model and knowledge engineering system for the insurance domain, utilizing trillions of insurance corpus and hundreds of millions of claims data to create an interpretable knowledge graph and intelligent reasoning chain [2] - The automation rate of knowledge has reached 70%, while the data knowledge rate stands at 50%, significantly enhancing risk identification accuracy and control efficiency [2] - The model has been implemented in scenarios such as claims risk control, risk pricing, and fraud detection, benefiting over 20 insurance institutions and generating economic and social benefits exceeding 10 billion [2] Group 3: Company Strengths - Ping An Group's technological innovation and ecological collaboration are highlighted through this award, reflecting its systemic strength in driving intelligent financial development with data elements [3] - The company has accumulated over 30 trillion bytes of data, covering nearly 250 million individual customers, and has trained large models based on this vast data [3] - AI has been fully integrated into Ping An's core business, achieving a 63% automation rate in personal injury claims and processing car insurance applications in an average of one minute [3] Group 4: Future Directions - Financial One Account will continue to act as a technology output window, collaborating with the Ping An ecosystem and the industry to explore new intelligent financial models driven by data elements [4] - The aim is to contribute to the high-quality development of the financial industry, support the real economy, enhance financial risk prevention capabilities, and promote new productive forces [4]

Core Insights - Financial One Account and Generali Group held a strategic exchange meeting in Singapore to explore potential collaboration in customer management, digital transformation, and AI applications [1][2] - Financial One Account showcased Ping An Group's comprehensive financial model, customer management system, and practices in life insurance channel reform and multi-channel collaboration [1] - The meeting emphasized the importance of AI innovation and digital operations in driving high-quality growth in the insurance industry [2] Group 1 - Financial One Account is the exclusive financial technology output window for Ping An Group, focusing on building long-term customer touchpoints through an "insurance + ecosystem" model [1] - The company highlighted its achievements in AI, centralized operations, and intelligent risk control, including 89% of auto insurance channel transactions being completed in one minute by Q3 2025 [1] - AI service volume reached 1.292 billion instances, covering 80% of the group's customer service operations [1] Group 2 - Financial One Account has been expanding its core banking and insurance systems, eKYC, and anti-fraud capabilities in Southeast Asia, the Middle East, and South Africa [2] - The collaboration between Financial One Account and Generali Group aims to enhance operational efficiency, risk management, and customer experience across different markets [2] - Both parties believe that systematic exchanges around customer value and AI innovation will create greater opportunities for cross-regional cooperation in the insurance sector [2]

Core Insights - The event "Generative AI Technology Innovation Day" was successfully held by Financial One Account, in collaboration with Amazon Web Services and technology partner JuCloud, gathering over 40 guests to discuss the innovation blueprint and application prospects of generative AI in the fintech sector [1][3]. Group 1: Strategic Importance - Generative AI technology is rapidly reshaping the global industrial landscape and is becoming a core engine for digital transformation and business innovation [3]. - Financial institutions and technology companies view embracing generative AI as a crucial strategic choice during the key phase of intelligent, scenario-based, and open financial services [3]. Group 2: Expert Contributions - Financial One Account's CEO in Hong Kong, Jin Xinming, emphasized the strategic significance of generative AI for digital transformation in the financial industry, predicting more innovative applications and industry integration in the future [3]. - Amazon Web Services' financial industry sales leader Chen Ming and JuCloud founder Zhu Jun also contributed insights, agreeing on the importance of deep communication to explore new boundaries for generative AI applications in fintech [3]. Group 3: Technical Insights - Amazon Web Services expert Deng Qibiao provided a specialized training session on generative AI technology, covering its evolution, core principles, and mainstream models, thereby constructing a systematic knowledge framework for attendees [4]. - AWS's generative AI product solutions architect Gao Yunyi shared breakthroughs in multi-modal embedding models, illustrating the unique value of this technology in handling complex financial data through detailed case studies [4]. - JuCloud's generative AI architect Fu Yunbo shared practical experiences on efficiency improvement and cost reduction in enterprise-level applications, offering valuable references for future project implementations [4]. Group 4: Future Collaboration - The event facilitated a platform for deep dialogue between technology suppliers and industry users, highlighting the exploration of generative AI in enterprise intelligent transformation [4]. - Financial One Account aims to continue focusing on technological frontiers and deepen collaboration with partners to promote the in-depth application of AI technology in financial scenarios, enhancing its core competitiveness in the fintech sector [5].

Core Viewpoint - Financial One Account, a fintech company under Ping An, has officially delisted following the approval of its privatization plan by the Grand Court of the Cayman Islands, marking a swift exit from public markets after only six years since its IPO [1][4]. Privatization Details - The privatization offer was made by Platinum Holdings Limited, a subsidiary of Ping An, which held approximately 30.18% of Financial One Account's shares prior to the offer [2][3]. - The proposed acquisition price is HKD 2.068 per share, representing a premium of about 23.10% over the last closing price and approximately 117.91% over the average closing price of the last 180 trading days [2][3]. Financial Performance and Market Conditions - Since its listing, the stock price of Financial One Account has declined over 95%, attributed to low liquidity, reduced investor interest, and insufficient analyst coverage [5][6]. - The company has faced significant operational challenges, with revenues from its core business expected to decrease by approximately 36.16% from FY2023 to FY2024, leading to increased operating losses [6]. Strategic Implications - The decision to privatize is seen as a move to alleviate short-term market pressures and focus on long-term strategic development, as the public market has not reflected the company's value [4][5]. - Post-privatization, Platinum plans to inject additional financial resources and integrate the company further into the broader Ping An ecosystem [7].

Core Viewpoint - Financial One Account, a fintech company under Ping An, is set to delist from both the NYSE and HKEX following its privatization plan, which has been approved by the Grand Court of the Cayman Islands [1][2][4]. Group 1: Delisting and Privatization - Financial One Account has withdrawn its listing status from HKEX as of November 21, with the final delisting process from NYSE to be completed by December 1 [1]. - The privatization offer was made by its controlling shareholder, Platinum Yu Limited, which is a subsidiary of Ping An Group, proposing to acquire all issued shares at HKD 2.068 per share, representing a premium of approximately 23.10% over the last closing price [2][3]. - Following the privatization, Ping An's ownership in Financial One Account will increase to 100% [2]. Group 2: Financial Performance and Market Conditions - Since its listing in December 2019, Financial One Account's stock price has dropped over 95%, attributed to low liquidity, reduced investor interest, and insufficient coverage by brokerage reports [6][7]. - The company's revenue from ongoing operations is projected to decrease by approximately 36.16% from FY2023 to FY2024, leading to increased operating losses [7]. - Financial One Account has faced challenges in diversifying its revenue sources, remaining heavily reliant on Ping An for income, which has been a significant concern for investors [6][7]. Group 3: Strategic Direction Post-Privatization - After privatization, the company plans to focus on long-term strategic goals, including enhancing customer relationships, optimizing products, and expanding its ecosystem and overseas business [7][8]. - The controlling shareholder, Platinum Yu, aims to inject additional financial resources and integrate the company further into the broader Ping An ecosystem once it becomes a wholly-owned subsidiary [8].