肖远企：在人工智能时代，中小机构应调整业务结构确保可持续发展

Group 1 - The core viewpoint emphasizes that artificial intelligence empowers the financial industry, supporting the underlying technology, data, and algorithms of the fintech ecosystem [1] - Large financial institutions possess inherent advantages in resource investment, customer base, and data accumulation, which allows them to develop more accurate predictive and risk control models [1] - The vast amount of historical transaction data, customer behavior data, and macro data held by large financial institutions creates a positive feedback loop of "data-model-customer-data," potentially forming competitive barriers against smaller institutions [1] Group 2 - The rise of artificial intelligence has shifted the importance of data and algorithms, necessitating a focus on transforming "usable data" into "trustworthy data" and integrating valuable information [2] - There is a need for financial institutions to rethink the key elements that maintain their core competitiveness in the context of automation and virtualization replacing traditional human and physical roles [2]