对话网商银行马晓航：这波AI浪潮会让普惠金融“无死角”

Core Viewpoint - The article discusses the evolution of Wangshang Bank from a digital bank to an AI bank, aiming to serve as a CFO for millions of small and micro enterprises in China, leveraging AI technology to enhance financial services and decision-making for these businesses [1][33]. Group 1: New Goals and Services - Wangshang Bank has set a new goal to become the CFO for ten million small and micro enterprises, emphasizing the importance of professional financial services beyond just providing financial products [1][4]. - The bank's new "310" service model focuses on providing comprehensive, personalized services to clients, ensuring a deep understanding of their needs and real-time interaction [8][7]. Group 2: AI Integration in Services - AI will be integrated into various aspects of banking services, including credit, marketing, and wealth management, addressing the real pain points and needs of small and micro enterprises [6][15]. - The AI CFO will offer services such as operational advice, bill management, and assistance in bidding processes, streamlining financial operations for small businesses [15][18]. Group 3: Customer Understanding and Data Security - Wangshang Bank emphasizes the importance of understanding customer needs while adhering to strict data privacy principles, ensuring minimal data collection based on customer consent [9][12]. - The bank has achieved international certifications for privacy protection and information security, reinforcing its commitment to data safety [9]. Group 4: Workforce and Technology - The bank currently serves 68 million small and micro customers, accounting for about one-third of such enterprises in China, with a workforce of approximately 1,900 employees, 67% of whom are in technology roles [11][12]. - The bank has developed a unique approach to credit approval by training AI models using expert insights, achieving a 90% consistency rate between human and machine assessments [21][22]. Group 5: Future Outlook and Industry Impact - Wangshang Bank believes that AI will not create a zero-sum game in the banking industry; instead, it will enhance service efficiency for both large and small banks, benefiting the entire sector [31]. - The bank's mission remains focused on technology-driven services for small and micro enterprises, adapting to changes in the business landscape while maintaining its core values [33].