香港金管局总裁余伟文：香港即将进入金融科技策略新阶段

Core Insights - The rapid evolution of financial technology presents new opportunities and challenges for the financial services sector in Hong Kong, marking a transition to a new phase of fintech strategy [1] - The Hong Kong Monetary Authority (HKMA) emphasizes the importance of digital banking, fintech talent development, and supportive resource policies to strengthen Hong Kong's position as a leading international financial center [1][2] - The adoption rate of fintech in Hong Kong has reached 95%, indicating a successful implementation of digital banking initiatives [1] Digital Banking Expansion - The HKMA encourages banks to adopt fintech across various business areas, with eight digital banks rapidly expanding their customer base, particularly among younger and small to medium-sized enterprises [1] - As of June this year, the eight digital banks have attracted 3.4 million customers, with total deposits of 77 billion HKD and loans amounting to 29 billion HKD [1] AI Integration in Banking - AI has become a key driver for further digitalization in banking, with 75% of banks integrating AI into their operations, up from 59% in 2022 [2] - The HKMA, in collaboration with Hong Kong Cyberport, has established a generative AI sandbox to provide advanced computing capabilities for banks to explore high-computational tasks [2] - The HKMA has successfully completed the journey of comprehensive digital banking promotion through specific measures and regulatory guidelines, ensuring the stability of Hong Kong's financial system [2]