SPD BANK(SH:600000) Zhong Jin Zai Xian·2025-06-03 07:07Core Insights - The article emphasizes the transformation of Shanghai Pudong Development Bank (SPDB) through the integration of artificial intelligence (AI) and big data technologies to enhance financial services and create a new financial service ecosystem [1][2]. Group 1: AI and Data Integration - Since 2025, SPDB has aligned with national directives to develop new productive forces, leveraging AI and digital capabilities to build a comprehensive intelligent foundation consisting of computing power, algorithms, platforms, and knowledge [3]. - The bank has established an AI system that focuses on application-driven, technology-led, data-empowered, and ecosystem co-construction principles, creating a structured framework that covers various business areas and knowledge types [4]. Group 2: Intelligent Customer Acquisition - SPDB is enhancing customer acquisition by building a 360-degree customer profile to accurately understand market demands and diverse financial needs, resulting in 800 million intelligent real-time recommendations within the year [5]. - The bank's intelligent risk control system has successfully intercepted 279 million yuan in fraudulent transactions through real-time monitoring and strategy deployment [5]. Group 3: Digital Financial Services - SPDB has launched a digital financial service system centered on data and user needs, focusing on two core apps: "Mobile Banking" and "PuHui LaiLe," aimed at improving service quality for long-tail customers [7]. - The "Mobile Banking" app has been upgraded to enhance user experience, featuring instant loading times and various functionalities to facilitate seamless financial services [7]. Group 4: One-Stop Financial Services - The "PuHui LaiLe" app provides a one-stop financial service experience for small and micro enterprises, simplifying credit services and enabling users to manage the entire loan process online [9]. - The app also innovates in fund management with features like secure transfer processes and comprehensive payroll services, catering to diverse financial needs [9][10]. Group 5: Comprehensive Service Enhancement - The "PuHui LaiLe" app includes a technology finance service area that integrates product display, transactions, and consultations, facilitating industry connections and project showcases [10]. - The app optimizes user experience by simplifying the account opening process and providing a digital customer manager for smoother business transactions [10].