调研速递|宇信科技接待国泰海通证券等11家机构调研 信贷智能体落地超10家 数字人民币2.0时代布局全场景矩阵

Core Insights - The company is focusing on AI applications in core financial scenarios, particularly in credit, digital banking, data assets, and financial regulation, aiming to enhance operational efficiency and capabilities of financial institutions [2] - The digital RMB initiative has entered its 2.0 phase, evolving from a cash trial to a digital deposit system, which will reshape banking processes and service models [4] Group 1: AI Applications in Finance - The company has transitioned its AI applications in the credit sector from conceptual exploration to large-scale implementation, integrating AI throughout the entire credit process [2] - In 2025, the company engaged with nearly 100 financial institutions regarding AI implementation, assisting over 30 in scenario validation and more than 10 in deployment [2] - New layers for credit business scenarios and public AI have been added to enhance the integration of technology and business [2] Group 2: Digital RMB Development - The company has a leading advantage in digital RMB solutions and project delivery, participating fully in the domestic digital RMB system construction [3] - The company has established deep collaborations with several state-owned and smaller banks, creating a modular implementation path that prioritizes compliance [3] - Since 2024, the company has been actively entering the global digital currency market, successfully implementing an overseas digital currency project that is now in the regulatory sandbox phase [3] Group 3: Business Opportunities in Digital RMB 2.0 - The company plans to create a comprehensive matrix covering government, commercial, and cross-border scenarios in the digital RMB landscape [4] - Government applications include targeted fiscal subsidies and flexible digital red envelope schemes, while commercial applications leverage smart contracts for various financial management tasks [4] - The cross-border segment aims to enhance payment efficiency and transparency through automated compliance checks and fund traceability [4]