Core Insights - The 2025 Seventh World-Class Enterprises R&D and Innovation Management Forum was held in Harbin, focusing on "Digital Intelligence Empowerment and Industry-Finance Symbiosis: Technological Finance Driving Innovation in Emerging Industries" [2] - Harbin Bank's President Yao Chunhe emphasized that technological finance is a core engine driving transformation in China's banking industry, enabling banks to break traditional financial path dependencies and accelerate breakthroughs in business boundaries, service model innovation, product iteration, and intelligent risk control [2] Customer Service - The banking service model is evolving from "function supply" to "experience-driven," leveraging financial technology to create a new service system centered on "intelligence and personalization" [2] - A 360° super user profile is being developed to provide comprehensive solutions that integrate "finance + life" and offer personalized experiences [3] Ecological Scene - The application of technologies like API and SDK has transformed banks into "service capability providers" and "ecological rule definers," allowing seamless integration of financial products into partner platforms and scenarios [4] - Future banking will further integrate with AI models, enabling financial services to be more intelligent and naturally embedded in various digital environments [4] Risk Control - The banking risk control capability is transitioning from traditional experience-based judgment to an intelligent, real-time, and precise paradigm, becoming a core pillar for high-quality development [5] - The deep application of IoT technology will enhance real-time monitoring and dynamic valuation of collateral, improving post-loan management accuracy and efficiency [5] Operational Management - Financial technology is permeating the entire banking operation chain, with AI-driven multi-channel collaborative services becoming a development trend [6] - Future AI-driven virtual tellers will replace some manual counter services, handling routine tasks through natural language interaction, while traditional offline processes will be fully digitized [6] - Banks are accelerating investments in key technologies like AI, big data, cloud computing, and blockchain to ensure a secure and stable technological foundation for high-quality development [6]