Core Insights - The rapid development of the technology industry necessitates innovative financial regulation, particularly in the context of AI applications in finance [1] - Mobile payments are emerging as a new paradigm for financial inclusion globally, but they also face significant risks [7] - Hong Kong is positioned as a key hub for technological innovation and experimentation, especially in the context of virtual asset legalization [10] Group 1: AI and Technology Development - DeepSeek is recognized for its rapid growth, promoting healthy competition and industry advancement at lower costs [2] - The importance of talent reserves in technology companies is emphasized, with a focus on establishing effective training mechanisms and resource integration [3][4] - The AI industry must address energy consumption issues and seek sustainable energy solutions to support technological applications [2] Group 2: Global Expansion and Communication - Effective global expansion relies on clear communication to ensure that the broader ecosystem understands the business [3] - Asian markets are highlighted for their advanced technology and emerging brands, providing opportunities for global outreach [3] Group 3: Algorithm Transparency and Regulation - Algorithm transparency is crucial for fair financial decision-making, impacting loan approvals and interest rates [5] - Regulatory frameworks should enforce algorithm transparency and encourage private sector compliance to build trust in the financial system [5][6] Group 4: Mobile Payments and Risks - Mobile payments have significantly contributed to reducing financial inclusion gaps, especially in remote areas [7] - Two major risks associated with mobile payments include infrastructure dependency and rising fraud incidents, with a noted 50% annual increase in fraud cases over the past five years [7] - The establishment of a favorable regulatory environment is essential to protect consumers and support the growth of mobile payments [8] Group 5: Hong Kong's Role in Technological Innovation - Hong Kong is seen as a "super connector" for technology and finance, facilitating innovation and sharing of experiences [10] - The regulatory approach should adapt to new technologies while maintaining existing frameworks to address emerging risks in the digital asset space [9]
专访世界经济论坛金融服务技术与创新主管德鲁・普罗普森：DeepSeek促进良性竞争，“算法透明度”是AI治理中的关键议题