DCITS(SZ:000555) Xin Lang Cai Jing·2026-01-09 09:00Core Insights - The report titled "Exploration and Practice of AI Agent Technology in Financial Applications" was collaboratively developed by leading financial institutions and technology companies, including Postal Savings Bank, Shenzhou Information, China UnionPay, and others, and has been recognized as an "Excellent Topic" by the Beijing Financial Technology Industry Alliance for 2025 [1][5] - The financial industry is accelerating its digital transformation driven by new information technologies represented by large AI models, with AI Agents serving as a crucial application paradigm for facilitating the flow of financial data elements and realizing business value [1][5] Summary by Sections AI Agent Components and Technologies - The report discusses the core components, key technological forms, and construction paths of AI Agents, analyzing critical technologies in financial scenarios from theoretical and architectural perspectives [2][6] - It addresses typical application scenarios in banking, securities, and insurance, focusing on the industry's demands for massive data processing, precise risk assessment, and personalized service customization [2][6] Design Considerations and Framework - A design reference for the financial AI Agent architecture is provided, analyzing core components, technology selection, data flow, and interaction modes, while ensuring effective integration into business processes and compliance with strict regulatory requirements [2][6] - The report emphasizes the importance of enhancing service efficiency and customer experience through the effective deployment of AI Agents [2][6] Future Outlook and Recommendations - The application of AI Agents in the financial industry is described as a systematic project that requires consideration of technical feasibility, business value, compliance requirements, security risks, and user experience [4][8] - The report offers insights into technological development trends and industry application expansion, aiming to assist financial institutions in designing advanced and practical AI-native systems to maintain competitive advantages during digital transformation [4][8] - Shenzhou Information, as a leading partner in financial digital transformation, promotes the "AI for Process" concept and has launched a series of "AIGC+" financial solutions to significantly enhance banks' R&D efficiency, data utilization, and AI model iteration speed [4][8]