昨天深夜，当我离开DolphinDB位于杭州湾信息港的办公室时，看到那一排排寂静的电脑桌，心中忽然涌 起一阵复杂的情绪。 这些年，不是在研发产品，就是在去见客户的路上。很少有这样的时刻，能让自己停下来放空，回头看看 来时的路。 创业十年，很少谈自己 媒体和公众更喜欢津津乐道那些传奇的创业故事：少年天才、海外名校博士、连续创业者，或是从跨国公 司和互联网巨头走出的明星高管。他们的经历值得尊敬，也确实代表了创业世界中最耀眼的一部分。 但我并不属于这些标签中的任何一种。我只是一个普通的创业者。起步的时候，没有资本追逐，也谈不上 自带光环，能依靠的只有时间、耐心，以及对一件事长期投入的决心。 这十年，我们走得很慢。没有刷屏的爆款，没有频繁的融资。我们只是推着产品，在真实的业务场景里一 步步证明自己。直到现在，公司才开始在行业中崭露头角，实现盈亏平衡。 站在第十年的节点上，我想以一个普通创业者的视角，聊聊这些年走过的弯路、做出的选择，以及那些不 被聚光灯照到的日常。它或许无法复制，但希望带给同样在路上的你，一点点共鸣与光亮。 穿越周期的十年 2008年，博士毕业的我阴差阳错的进入了金融危机爆发前夕的华尔街。一干就是8年 ...

Core Insights - The article emphasizes that AI has transitioned from being an enhancement in the financial industry to a core competitive advantage, particularly in the credit card business [2][22]. - The competition among banks is now centered around who can effectively convert ineffective time into valuable outcomes through technology [5]. Risk Control - AI is revolutionizing risk management in credit card operations, shifting from reactive measures to proactive predictions in milliseconds [6]. - By integrating various data sources and utilizing advanced algorithms, AI risk management systems have moved from fixed thresholds to dynamic real-time controls [6]. - The "Dragon Shield" system of China Construction Bank exemplifies this shift, enabling real-time fraud risk verification and significantly reducing bad debt rates by 15.2% [8]. Marketing - AI has transformed credit card marketing from a broad approach to a highly targeted strategy, allowing for personalized user engagement [9]. - The Industrial and Commercial Bank of China has developed an AI-driven installment marketing system that effectively matches user needs with appropriate offers, enhancing business volume while minimizing unnecessary outreach [11]. - China Merchants Bank has elevated AI marketing to a core capability, utilizing real-time user behavior data to deliver timely and relevant product promotions [15]. Service and Compliance - The integration of AI in customer service is enhancing user experience, with China Merchants Bank's AI customer service achieving a 98% intent recognition accuracy [16]. - AI is also playing a crucial role in consumer protection by enabling proactive compliance measures, such as real-time monitoring of marketing materials to prevent regulatory violations [20]. Future Outlook - AI is set to drive a comprehensive evolution in credit card operations, enhancing risk management, marketing precision, and customer service while ensuring compliance [21]. - The ongoing advancements in technologies like multi-modal systems and federated learning are expected to accelerate the shift towards smarter, more compliant credit card services [24].