上海银行姜玉坤：数字化转型不只是技术升级，更是业务竞争力重塑

Core Insights - The core theme of the 22nd China International Financial Forum is the construction of an intelligent financial ecosystem in the digital economy era [1][4] Group 1: Digital Transformation and Competitive Advantage - The rapid development of large model technology and changing user demands necessitate a continuous dynamic iteration process for banks in their digital transformation and operations [3][6] - Digital transformation is viewed not merely as a technological upgrade but as a potential reshaping of business competitiveness [3][6] - Future agent capabilities may become a competitive moat for banks, focusing on customer insight, task planning, and API atomization to transition from single-point intelligence to ecological or composite intelligence [3][6] Group 2: Organizational and Structural Changes - There will be a migration in organizational capabilities, shifting from a focus on functional development and maintenance to building capabilities centered around scenario construction and ecosystem integration [3][6] - The structure of technology investment will change, with traditional development and operations currently at 70% and intelligent investment at 30%, expected to shift to 70% for intelligent investment in the future [3][6] Group 3: Organizational Mechanism and Support - The organization mechanism needs to be restructured, with Shanghai Bank recently adjusting its structure to focus on digital transformation and customer experience [7] - Three roles are proposed for the business application layer: AI product manager, knowledge operation and management, and content ecosystem expansion, transforming previously optional functions into essential ones [7] - A dedicated security compliance team will be established to ensure comprehensive support for AI applications, addressing organizational mechanisms, capabilities, and management [7] Group 4: AI Integration and Future Considerations - The new wave of AI-driven digital transformation builds on previous digital initiatives, with banks that excelled in data governance and asset management gaining further advantages in the AI era [4][7] - The discussion around AI's potential threat to humans has shifted to the reality of coexistence between machines and humans across industries, including banking [8]