智通财经网·2025-11-25 02:01Core Insights - The release of DeepSeek R1 in 2025 is expected to significantly enhance general model reasoning capabilities and reduce costs, marking a turning point for AI deployment in financial institutions [1] - AI applications are accelerating penetration into core business and back-office scenarios within financial institutions, potentially restructuring business processes and organizational frameworks, thus opening a new era for financial digitization [1] Group 1: AI Application in Finance - AI applications in finance are progressing from shallow to deep integration, with most institutions still in the exploration and accumulation phase, lacking large-scale deep applications, especially in complex business scenarios [1] - The demand for digital transformation in the financial sector aligns well with the characteristics of large model technologies, providing a favorable environment for AI application exploration [1] Group 2: Cost Reduction and Value Enhancement - AI is focused on optimizing internal operations, improving core business processes, and empowering employees, while also enhancing marketing, customer service, and increasing sales conversion and customer value [2] Group 3: Differentiated Development Paths - Large financial institutions leverage strong computational resources and self-research capabilities to achieve deep penetration of AI applications through private deployment of large models [3] - Smaller institutions tend to rely on lightweight models and integrated large model solutions for agile development and flexible application of AI technologies [3]