Zhong Guo Jing Ying Bao·2025-12-22 07:38Core Insights - The article emphasizes the transformation of the Chinese banking industry driven by digital technology and artificial intelligence, marking a critical turning point for banks to shift from quantitative accumulation to qualitative breakthroughs [1] - The launch of Postal Savings Bank's mobile banking 11.0 signifies a transition from a functional tool to an intelligent partner, showcasing the bank's commitment to a comprehensive digital ecosystem with its "AI2ALL" strategy [3][4] Digital Transformation - Postal Savings Bank's mobile banking 11.0 integrates AI deeply into the customer journey, transforming traditional interactions into a conversational service model [4] - The app features a "one-stop" search experience and a "dialogue as service" approach, enhancing user convenience and making complex financial operations more intuitive [4][5] - The bank aims to create a financial service ecosystem that merges finance with daily life, enhancing user engagement through personalized services [5] User Experience and Security - The mobile banking 11.0 introduces a dual protection mechanism called "Friends + Bank," integrating social trust into security measures to enhance transaction safety [5] - New features include voice verification for identity confirmation and expanded family financial services, allowing shared product purchases among close contacts [5] Recognition and Performance - Postal Savings Bank's continuous investment in user experience has been recognized, with its mobile banking app ranking first in user experience for three consecutive years according to CFCA's report [6] AI and Ecosystem Development - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across all banking operations, focusing on enhancing customer experience and operational efficiency [7][8] - The strategy includes nearly 260 AI application scenarios, promoting a comprehensive integration of AI in management and customer service [8] Internal Efficiency and External Service - The "AI2ALL" initiative enhances internal processes from front to back office, improving marketing precision and risk management efficiency [8][9] - The bank has developed a new human-machine collaboration system for customer service, significantly improving service efficiency and response times [9] Technological Foundation - Postal Savings Bank has made substantial investments in data, computing power, and algorithms, establishing a robust foundation for its AI capabilities [10] - The bank's strategy includes building a comprehensive data architecture and enhancing its AI computing resources, demonstrating a commitment to sustainable transformation [10]