余伟文：金融科技2030策略聚焦四大战略支柱 旨在引领香港迈向金融科技3.0时代

Core Insights - The Hong Kong Monetary Authority (HKMA) is focusing on a financial technology strategy called DART, which stands for Data, Artificial Intelligence, Resilience, and Tokenization, aiming to lead Hong Kong into the era of FinTech 3.0 [1] Group 1: AI Implementation - Over three-quarters of banks have deployed or are trialing AI solutions, covering areas such as risk management, credit assessment, and customer interaction [1] - The authorities are advancing high-impact AI application scenarios through an upgraded generative AI sandbox [1] Group 2: Tokenization Initiatives - Tokenization remains a key priority for the authorities, with Project Ensemble exploring broader financial applications to connect local industries with global partners [1] - The next phase of the Ensemble pilot will allow for real-value transactions using tokenized deposits and digital assets [1] Group 3: Data Expansion - The HKMA plans to expand the availability of commercial data sets, including government gold source data, and collaborate with the industry to develop more data analytics capabilities and practical application scenarios [1] - Cross-border credit information sharing is being enhanced to build a connected and trustworthy cross-border data ecosystem [1] Group 4: Resilience of Financial Infrastructure - The authorities are strengthening the resilience of core financial market infrastructures, with platforms like Faster Payment System set to expand their coverage and capabilities [1]