上海银行AI手机银行亮相人工智能大会：让金融服务“可感可触”

Core Viewpoint - The 2025 World Artificial Intelligence Conference in Shanghai showcased Shanghai Bank's innovative AI mobile banking, emphasizing a "dialogue as service" model that enhances user experience and accessibility for elderly customers [1][2][3]. Group 1: AI Mobile Banking Features - Shanghai Bank's AI mobile banking redefines service entry by utilizing a "dialogue as service" approach, allowing users to interact through text or voice without navigating complex menus [2]. - The AI system can quickly respond to user inquiries and perform transactions, covering over ten high-frequency services such as fund transfers, investment advice, and pension management [2]. - The AI's ability to analyze user data enables it to provide tailored financial product recommendations and professional insights, mimicking the experience of consulting with a bank advisor [2]. Group 2: Human-Centric Design - The AI mobile banking platform incorporates "smart prediction" and "elderly-friendly design," showcasing a commitment to user-centric service [3]. - The system proactively identifies user needs based on historical behavior and context, offering timely notifications and support for elderly users, including language preferences [3]. - Shanghai Bank collaborates with communities to create over 300 "Beautiful Life Studios," extending online services to offline activities that cater to the elderly's diverse needs [3]. Group 3: Technological Foundation and Performance - The implementation of AI mobile banking is based on a "technology-first, data-driven, business-integrated" approach, utilizing a layered architecture and modular design [4]. - The platform has demonstrated significant performance improvements, including a 10% increase in transaction conversion rates and enhanced online problem resolution capabilities [4]. - The design for elderly users and the development of a comprehensive pension service ecosystem have increased engagement among older customers, reinforcing the inclusivity and security of financial services [4]. Group 4: Future Directions - Shanghai Bank aims to deepen its AI capabilities by enhancing large model training in specific financial areas and establishing a feedback loop for continuous improvement [5]. - The bank plans to evolve its mobile banking from a "functional tool" to an "intelligent partner," integrating AI with various life scenarios beyond finance [6]. - Future developments will focus on creating a comprehensive service that positions the AI mobile banking as a personal financial advisor for customers [6].