全场景+智能体双轮驱动，金融创新大展“鸿”图

Core Insights - The financial industry is facing unprecedented challenges and opportunities due to the digital wave, with increasing user demands for convenience, security, and intelligence [1] - The HarmonyOS 5 has been collaborating with financial partners to address these challenges, with experts expressing strong confidence in its potential to create a second growth curve for financial services [2] Group 1: Full-Scene Adaptation - Users desire seamless financial services across multiple devices, but traditional financial service models struggle to meet these demands due to information silos and fragmented experiences [3] - HarmonyOS employs a "1+8+N" full-scene strategy, enabling seamless collaboration across devices like smartphones, computers, and wearables, thus enhancing the efficiency of financial decision-making [3][4] - Financial applications are rapidly adapting to HarmonyOS, with several major financial software and online banking platforms already launching HarmonyOS versions [4][5] Group 2: Intelligent Services - The traditional service model is being transformed by intelligent assistants like "Xiao Yi," which streamline user interactions and provide personalized services [6][7] - Financial institutions are leveraging intelligent agents to enhance customer service experiences, allowing users to access core functionalities through simple voice commands [7][8] - The continuous learning capability of these intelligent systems helps financial institutions stay aligned with market changes and user preferences, enhancing service quality [8] Group 3: Collaborative Innovation - The open and inclusive nature of the Harmony ecosystem provides a platform for financial institutions to collaborate and innovate, allowing them to share technological benefits and explore new service models [9][10] - Early adopters of HarmonyOS have reported significant improvements in customer satisfaction and operational efficiency, indicating the potential for long-term partnerships [12][13] - Smaller financial institutions can also benefit from the ecosystem, as it offers tools and support to enhance their digital capabilities and service levels [13][14] Group 4: Future Outlook - Financial institutions are encouraged to view HarmonyOS adaptation as an opportunity to acquire scarce assets rather than merely a cost [14] - The ongoing development of the Harmony ecosystem is expected to attract more financial institutions, enabling them to become co-builders and beneficiaries of the ecosystem [15] - Embracing HarmonyOS is seen as a critical decision for financial institutions to seize future growth opportunities and enhance their competitive edge in an increasingly intelligent and personalized market [15]