Jing Ji Ri Bao·2025-08-30 04:41Core Viewpoint - China Postal Savings Bank is actively seizing opportunities in the wave of digital transformation, enhancing its digital capabilities and leveraging technology to drive its operations forward [1] Digital Construction - The bank has upgraded its core systems, including personal, corporate, and credit card systems, and completed the third-generation core system for fund business [1] - The mobile banking platform has been fully adapted to the HarmonyOS, offering high-frequency services that require no installation and enabling quick transfers through gesture interaction and AI recognition [1] Data Value Release - The bank is building a unique data asset foundation, processing over 30 billion behavioral data transactions daily through more than 100,000 batch operations, enhancing its capabilities in intelligent outbound calls and fraud prevention [1] - In proactive credit granting, the bank utilizes a comprehensive data asset system to drive a new paradigm of intelligent outbound calls, reaching out to 1.3 million customers daily [1] - For fraud risk prevention, the bank has developed a full-chain anti-fraud model system, leveraging a vast real-time risk feature library to create a panoramic view of customer fraud risks [1] - The bank processes approximately 127 million transaction data daily for anti-money laundering, employing advanced technologies like knowledge graphs and large models to monitor suspicious transactions [1] AI Ecosystem Development - The bank's "Youzhi" large model integrates multiple mainstream models, optimizing performance through model distillation and enhancing multimodal capabilities [1] - A dedicated team has been formed to focus on AI development, creating a comprehensive plan that encompasses infrastructure, platform tools, service capabilities, and application scenarios [1] Future Development Plans - The bank has initiated the "15th Five-Year" IT planning process to outline its technological development blueprint, aiming to elevate its technological capabilities and contribute to high-quality financial development [1]