Cai Fu Zai Xian·2026-02-13 04:26Core Insights - The digital transformation of the financial industry is shifting from a focus on online expansion to enhancing efficiency and intelligence in offline spaces, as indicated by the recent policy from the National Financial Regulatory Administration [1] - The collaboration between Postal Savings Bank of China Beijing Branch and MAXHUB exemplifies a move from "tool empowerment" to "spatial intelligence" in the financial sector [1] Group 1: Challenges in Digital Transformation - Traditional financial institutions face three common challenges: inefficient internal collaboration, isolated departmental systems creating data barriers, and reliance on manual processes leading to lengthy decision chains [2] - Cross-border communication is complicated by language and cultural differences, resulting in distorted information and difficulties in establishing trust, which affects efficiency and security [2] - Customer experience remains fragmented, with services primarily focused on one-way information delivery, lacking immersive experiences and deep brand interactions [2] Group 2: Solutions Provided by MAXHUB - MAXHUB has developed a "smart collaborative network" tailored for Postal Savings Bank of China Beijing Branch, focusing on enhancing global operational efficiency, strengthening core risk control, and reshaping high-end customer connections [4] - The AI meeting solution from MAXHUB integrates real-time bilingual translation and intelligent meeting minutes into cross-border investment decision-making processes, significantly reducing communication costs and ensuring data security [5] - MAXHUB's remote collaboration and data sharing capabilities have improved risk control by connecting the Beijing Branch with the head office, enabling real-time asset quality monitoring and transforming risk management from reactive to proactive [7] Group 3: Enhancing Customer Experience - MAXHUB has created a smart digital exhibition hall for Postal Savings Bank of China Beijing Branch, transforming complex financial products into interactive and customizable visual narratives, thereby enhancing customer engagement and brand loyalty [9] - The immersive digital interactions provided by MAXHUB help deepen customer trust and understanding of the bank's offerings, contributing to a stronger brand perception [9] Group 4: Future Directions - The current practices indicate that the future competitiveness of the financial industry will stem from the deep integration of business processes and digital spaces, with offline scenarios becoming intelligent carriers of policy guidance and service delivery [11] - MAXHUB aims to continue advancing "spatial intelligence" applications in the financial sector, assisting institutions in breaking down online and offline boundaries to achieve higher quality digital development [11]