全场景+智能体双轮驱动，金融创新大展“鸿”图

Core Viewpoint - The financial industry is facing unprecedented challenges and opportunities due to the digital wave, with increasing user demands for convenience, security, and intelligence, while traditional service models struggle to meet market expectations [1] Group 1: Collaboration with Harmony OS - Since the release of Harmony OS 5, it has collaborated with financial partners to address industry pain points, with experts sharing insights on its advantages and prospects during a recent forum [2] - Financial institutions express strong confidence in the technological and market benefits brought by Harmony OS, anticipating a second growth curve in financial services through collaboration and innovation [2] Group 2: Seamless Financial Service Experience - Users desire personalized financial services across multiple devices, and Harmony OS's "1+8+N" strategy enables seamless collaboration across devices, addressing the challenges of multi-terminal application development [4] - The introduction of Harmony OS applications on devices like smartwatches allows users to manage stock dynamics effortlessly, breaking the limitations of investment scenarios [5] Group 3: Intelligent Financial Services - Traditional service models often require multiple steps to access core services, leading to inefficiencies; thus, the shift towards intelligent services is crucial for enhancing user engagement and operational efficiency [9] - Harmony OS's intelligent assistant, "Xiao Yi," enables personalized services and improves user experience by allowing voice commands to access core financial functions [10] Group 4: Collaborative Innovation for Competitive Advantage - The open and inclusive nature of the Harmony ecosystem provides a platform for financial institutions to explore new service models and gain a competitive edge [13] - Early adopters of Harmony OS have reported significant improvements, with institutions like Zhongjin Wealth and Industrial and Commercial Bank of China achieving high customer satisfaction and enhanced capabilities through collaboration [16][18] Group 5: Opportunities for Small and Medium Financial Institutions - Harmony OS offers rich development tools and technical support, reducing costs for small and medium financial institutions, enabling them to enhance their digital capabilities and service levels [17] - The ecosystem's growth presents a unique opportunity for these institutions to achieve breakthroughs in multi-terminal coverage and intelligent services, positioning themselves advantageously in the market [17]