Xin Lang Cai Jing·2025-09-12 04:05Core Insights - The integration of artificial intelligence (AI) in financial services is a key focus for institutions, with challenges in cost, security, and trust still present [1][2] - Major institutions like China Merchants Bank, JD Finance, and Huatai Securities are accelerating the application of AI in their business operations as AI technology matures [1][2] Group 1: AI Application in Banking - China Merchants Bank's Chief Information Officer highlighted that the current cost of large model applications remains high, but the application scope in banking is extensive [1] - The bank's strategy focuses on high-value scenarios that require significant human and time investment while aiming to reduce costs [1] - AI has been deeply integrated into core business segments such as retail and wholesale, enhancing services like "Xiao Zhao" intelligent service and "CRM Xiao Zhu" for client managers [1] Group 2: AI in Non-Banking Financial Services - A large brokerage's technology R&D center has implemented AI large model technology for intelligent research reports, improving both speed and quality of report production [2] - Institutions like JD Finance and Dongfang Caifu are maturing in their AI applications for internal management and customer marketing services, with expectations for further development in business assistance and customer acquisition [2] - Challenges in compliance, security, and trust in financial scenarios were noted, with recommendations for building multi-layered defense systems to protect data privacy and counteract potential attacks [2]