数智驱动，双向奔赴：业内专家共议“AI+金融”融合新路径

Core Insights - The article discusses the global narrative surrounding artificial intelligence (AI) and its integration into the financial sector, emphasizing the need for a new financial ecosystem adapted to the AI era [1] - The 2025 Bay Area Financial Annual Conference in Shenzhen focuses on the theme "AI New Wave Financial Ecosystem," gathering experts to explore the integration of AI and finance [1] - The discussions highlight that AI is significantly transforming financial services and industry ecology, impacting risk control, marketing, investment advisory, and operational strategies [4][6] Group 1: AI Integration in Finance - AI is seen as a key driver for high-quality development in the financial industry, with experts discussing its dual impact on technology integration and strategic upgrades [4][6] - The integration of AI in finance is expected to enhance service models, shifting from traditional methods to more personalized and efficient approaches [6][10] - The importance of data quality and compliance in AI development is emphasized, with a focus on maintaining human oversight in critical financial decisions [5][7] Group 2: Challenges and Opportunities - Key challenges in AI adoption include the need for high-quality non-structured data and effective risk management strategies to address issues like data privacy and model reliability [7][10] - The financial sector is urged to cultivate a workforce skilled in AI, emphasizing the need for training and development to adapt to new technologies [8][9] - The article highlights the necessity for financial institutions to create "lighthouse projects" that demonstrate the practical application of AI, thereby enhancing brand recognition and internal understanding of AI's value [12][13] Group 3: Future Directions - The future of banking is anticipated to be dominated by digital-native banks, with AI playing a crucial role in enhancing risk management, marketing, and operational capabilities [9] - The establishment of a robust AI model foundation is deemed essential for the successful application of AI in finance, focusing on data governance, model development, and platform integration [13] - The article concludes that the financial industry must embrace AI as a transformative force, requiring a shift in organizational culture and operational frameworks to fully leverage its potential [8][12]