Core Insights - Gansu Bank's mobile banking application has evolved significantly over the past decade, growing from a simple app to a comprehensive digital financial platform that serves over 4.3 million users [1][2][7] - The transaction volume of Gansu Bank's mobile banking has increased by over 725 times, reaching a total of 234.4 billion yuan in the first ten months of this year [1][2][4] Group 1: User Growth and Engagement - In 2015, the mobile banking app had fewer than 30,000 users and processed only 320 million yuan in transactions, while by October 2023, the user base had expanded to 4.32 million, a 144-fold increase [2][4] - Monthly active users have surpassed 1.1 million, indicating strong engagement and reliance on the app by local residents [2][4] Group 2: Service and Functionality Enhancements - The app has continuously evolved, introducing features such as social security, medical insurance, and utility payments, covering over 100 types of convenient payment services [3][4] - Gansu Bank has launched various inclusive financial products aimed at small and micro enterprises and farmers, serving over one million clients [3][4] Group 3: Technological Innovations - The app has undergone multiple iterations, with significant upgrades from version 1.0 to 8.0, incorporating advanced technologies like biometric recognition and AI-driven features [4][5] - Gansu Bank became the first local bank in the province to launch a native HarmonyOS application, showcasing its commitment to integrating with domestic operating systems [3][4] Group 4: Industry Recognition - Gansu Bank's mobile banking platform has received numerous awards for its innovative services, including the Best Mobile Banking Function Award in 2018 and the Mobile Banking Growth Pioneer Award in 2025 [5][6] - The bank has consistently ranked highly in various authoritative evaluations, reflecting its ongoing innovation and influence in the mobile financial sector [6] Group 5: Future Outlook - Gansu Bank aims to continue enhancing its mobile banking services over the next decade, focusing on innovative products, open platforms, and inclusive services to support high-quality development in the region [7]

来源：市场资讯 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了1095家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"缓存数据全量同步方法及装置"的 专利，授权公告号CN 116737724 B，申请日期为2023年6月。 ...

远程视频银行是该行依托金融科技打造的新型服务渠道，有效打破了传统柜台服务在时间和空间上的限 制。此次首推的密码重置功能聚焦客户高频需求，客户无需前往网点，只需通过手机银行App发起视频 呼叫，即可与远程坐席"面对面"完成身份核验与业务办理。该功能融合人脸识别等多重安全认证技术， 在保障账户安全的基础上，真正实现"足不出户、指尖办理"。 上线当天上午，市民施先生因忘记银行卡密码，通过手机银行提交远程视频申请。坐席人员迅速响应， 引导其完成身份核对与意愿确认，并耐心解答疑问，全程仅用3分钟即完成密码重置。同日下午，市民 汤女士也通过该功能成功重置了借记卡支付密码。 近日，南通农商银行远程视频银行密码重置功能正式上线，当日即为两名客户顺利完成业务办理。这标 志着该行在"远程银行"金融服务领域迈出关键一步。 此次密码重置功能的成功上线，是该行践行"以客户为中心"服务理念的具体体现。下一步，南通农商银 行将持续拓展远程视频银行服务场景，逐步推出账户升降级等更多功能，不断优化流程、提升体验。未 来，该行还将加大金融科技投入，深化线上线下（300959）融合，为客户提供更加安全、便捷、高效的 金融服务，助力普惠金融高质量转 ...

Core Insights - The People's Bank of China announced the winners of the "2024 Financial Technology Development Award," with China Bank winning seven awards across various categories, highlighting its leadership in financial technology innovation [1] Group 1: Financial Technology Innovations - China Bank received first, second, and third prizes for its financial technology innovations, showcasing its commitment to advancing technology in the financial sector [1] - The awarded projects cover areas such as self-controllable technology, industry integration, digital transformation, and risk prevention [1] Group 2: IT Architecture Transformation - The IT architecture transformation project employs a 5D model focusing on analysis, design, implementation, deployment, and continuous evolution, aiming to shift from a centralized to a distributed IT architecture [2] - This transformation is designed to support both domestic and international operations, enhancing the bank's digital infrastructure [2] Group 3: Risk Management Platform - A new intelligent risk management platform has been established, integrating advanced technologies like machine learning and knowledge graphs to enhance risk forecasting and management capabilities [3] - The platform aims to improve overseas risk management and provide technological support for the bank's risk management framework [3] Group 4: Financial Data Center Standards - The project sets the first construction standards for a financial data center in Tibet, addressing unique environmental challenges and ensuring operational safety and energy efficiency [4] - It provides guidelines for the construction and operation of data centers in high-altitude areas [4] Group 5: Digital Currency Innovations - The project developed a digital RMB wallet with features such as dynamic QR codes and a visual interface, targeting specific user groups like foreign visitors and the elderly [5] - This innovation aims to enhance the payment experience and expand the acceptance of digital currency [5] Group 6: Intelligent Operations - The intelligent operations project focuses on creating an agile and efficient operational model, utilizing smart technologies to streamline processes and reduce operational costs [6] - It aims to enhance service efficiency and strengthen risk control through automation [6] Group 7: Bill Service Capabilities - The project aims to comply with new regulations and enhance the bill service ecosystem, improving payment and financing efficiency across the industry [7] - It seeks to establish a leading brand in bill services, leveraging China Bank's global advantages [7] Group 8: Housing Fund Management System - The project introduces a new model for managing maintenance funds in collaboration with the Ministry of Housing, enhancing fund management efficiency [8] - It aims to digitize and automate fund management processes, contributing to the overall digital transformation of the housing sector [8]

Core Insights - The "2025 China Financial Technology Innovation and Application Bund Summit and the 6th Yangtze River Delta Financial Technology Innovation and Application Global Competition Finals" was held in Shanghai, focusing on the integration of technology and finance [1][4] - The competition featured 253 qualifying projects, with 汇付国际 winning the "Leading Enterprise in Financial Technology" award for its one-stop financial service platform aimed at overseas enterprises [1] Group 1 - The event was guided by various organizations including the China Computer Federation Digital Finance Branch and East China Normal University, highlighting the collaboration between academia and industry [1][4] - The theme of the competition was "AI FOR ALL | AI Intelligence and Financial Applications in the New Technological Era," emphasizing the importance of financial technology in empowering the real economy [1] Group 2 - The forum was attended by over 400 experts and leaders from government agencies, industry organizations, financial institutions, technology companies, and research institutions, indicating strong interest and participation in the financial technology sector [4] - The integration of artificial intelligence and finance is seen as a key driver for industrial upgrading and a national strategic support, with Shanghai focusing on high-quality development of its international financial center [6]

来源：中国农业发展银行 近日，中国人民银行正式公布"2024年度金融科技发展奖"获奖项目名单，中国农业发展银行（以下简称 农发行）申报的"基于人工智能和分布式云原生技术的涅槃工程建设项目"获评二等奖。 "金融科技发展奖"是我国金融业唯一的部级科技奖项，由中国人民银行主导设立，旨在评选国内金融领 域的优秀科技创新结果，权威性和行业影响力广受认可，获奖项目代表了当前中国金融科技创新的最新 成果和趋势。 "涅槃工程"是农发行深入贯彻中央金融工作会议精神，积极响应国家信息安全和自主可控战略布局的重 要行动。"涅槃工程"构建金融级基础技术平台，建设高可用、高安全、高弹性、高敏捷、高效能的云原 生分布式架构体系，更好地适应业务的快速发展和变化，确保业务的持续高效运行；打造智能支付平 台，创新实践"稳态、敏态、智态"三态合一的业务层级，保障支付业务安全可靠。此次获奖表明农发行 在数字化转型上取得重大进展，技术底座支撑能力达到同业先进水平。农发行将不断提升科技创新能 力，深化业务和技术融合，为做好具有农发行特色的"五篇大文章"提供有力的科技支撑。 来源：中国农业发展银行 近日，中国人民银行正式公布"2024年度金融科技发展奖 ...

2025年第三季度，集团实现快速增长。集团的汽车交易数目(涵盖新车及二手车)增加至约235千笔，较 2024年第三季度同比增长约22.6%，超越市场增速。2025年第三季度融资总额达到约人民币212亿元。 2025年第三季度集团二手汽车融资额亦同比增加约51.3%至约人民币121亿元。这增长证明我们通过提 供更精确的风险定价及引入盈利二手车产品的积极策略持续取得成功。因此，2025年第三季度我们二手 车融资业务占汽车融资总额的比例达到约56.9%。2025年第三季度集团二手电动汽车融资额达到约人民 币15亿元，占2025年第三季度新能源车融资总额的约22.5%，而2024年第三季度集团二手电动汽车融资 额占2024年第三季度新能源车融资总额的约13.1%。 集团的金融科技(SaaS)业务保持快速增长，于2025年第三季度促成的融资额约人民币114亿元，较2024 年第三季度同比增长约102.0%。2025年第三季度，金融科技(SaaS)业务对融资总额的贡献增加至约 53.7%。此外，集团与两家新金融机构的合作已于2025年第三季度上线，进一步增加金融科技平台的网 络影响。 格隆汇12月2日丨易鑫集团(0285 ...

11月28日，2025银联全球合作伙伴大会——开放支付的创新实践暨互联互通成果发布会在上海召开，来 自全球72家中央银行、商业银行及支付机构的代表出席大会。作为中国银联旗下专注账户信息处理及零 售金融数字化赋能的专业机构，银联数据携跨境移动支付解决方案、AI驱动的零售金融创新服务等成 果，亮相大会现场科技体验展区。 针对境外机构在银联品牌发卡及移动支付互联互通方面的需求，银联数据推出跨境移动支付解决方案， 整合手机钱包、二维码支付、跨境速汇等多元产品，旨在提升境外机构银联网络接入效率与零售金融数 字化水平。AI个性化制卡深度融合AI技术与发卡服务，可基于用户偏好智能生成并推荐专属卡面与权 益方案。智慧外呼数字分身为金融机构提供了覆盖信用卡和零售信贷全生命周期的智能外呼服务，助力 实现运营效率与用户体验的双重提升。本次展出的内容不仅呼应了行业对智能化、个性化服务不断增长 的需求，也体现了银联数据以技术驱动金融创新的深厚积累与实践成效。 长期以来，银联数据深耕金融科技专业服务，紧密协同中国银联的国际业务布局，持续拓展跨境支付系 统服务能力。目前，公司业务已覆盖全球17个国家及地区，为东南亚、大洋洲等多个市场提供从 ...

Core Viewpoint - China's economy in 2025 is at a critical juncture, showcasing resilience and a strong foundation for sustainable growth despite global uncertainties [1] Group 1: Economic Performance - The economy achieved a growth rate of 5.2% in the first three quarters, reflecting its ability to navigate challenges and maintain momentum [1] - The focus is on high-quality development, emphasizing the need for vitality, resilience, innovation, and effective empowerment [1] Group 2: Forum Overview - The 19th Huaxia Institutional Investor Annual Conference will be held on December 12, 2025, in Beijing, centered around the theme "Vitality and Resilience, Innovation and Empowerment" [1] - The forum aims to gather insights from various experts to explore how to activate market vitality and enhance collaborative effects within the industrial ecosystem [2] Group 3: Resilience and Innovation - Resilience is defined as the ability to withstand pressure and adapt, stemming from a large domestic market, a complete industrial system, and flexible policy adjustments [3] - The forum will discuss how to build a more resilient financial system and industrial ecosystem to ensure stable long-term development [3] - Innovation is highlighted as a means to break traditional dependencies, with financial technology reshaping the industry and driving new products and services [3] Group 4: Empowerment - Empowerment involves optimizing resources and capabilities to enhance overall value, with financial institutions playing a crucial role in supporting economic growth and structural optimization [4] - The forum will feature high-level dialogues and case studies to analyze practical empowerment strategies and the creation of a new financial and industrial landscape [4] Group 5: Future Outlook - The conference serves as a platform for sharing insights on macroeconomic trends, financial technology, investment strategies, and collaborative value creation [5] - 2025 is seen as a pivotal year for adapting to changes in the global economy while maintaining a commitment to high-quality development and sustainable economic ecosystems [5]

国家知识产权局信息显示，中国工商银行股份有限公司取得一项名为"异常交易事件的识别方法、装 置、计算机设备和存储介质"的专利，授权公告号CN115293908B，申请日期为2022年8月。 天眼查资料显示，中国工商银行股份有限公司，成立于1985年，位于北京市，是一家以从事货币金融服 务为主的企业。企业注册资本35640625.7089万人民币。通过天眼查大数据分析，中国工商银行股份有 限公司共对外投资了1096家企业，参与招投标项目5000次，财产线索方面有商标信息988条，专利信息 5000条，此外企业还拥有行政许可77个。 声明：市场有风险，投资需谨慎。本文为AI基于第三方数据生成，仅供参考，不构成个人投资建议。 来源：市场资讯 ...