Core Viewpoint - The article emphasizes the importance of digital transformation in the pension finance sector, highlighting how financial institutions can leverage digital technologies to enhance their services and customer experiences in pension finance [1][7]. Group 1: Digital Transformation in Pension Finance - The asset management industry is entering a digital transformation era, which will reshape pension finance business models and optimize service delivery [1]. - Banks, particularly in wealth management, are encouraged to explore digital technologies to create a new digital landscape for pension finance [2]. Group 2: Product Innovation - Digitalization in product innovation is crucial, as pension investments are highly personalized. Utilizing big data, cloud computing, and AI can help create tailored pension products that meet specific customer needs [2]. - The ability to track customer feedback and adapt products throughout their lifecycle is essential for matching diverse customer demands [2]. Group 3: Customer Service Enhancement - Generative AI technology can significantly improve customer service processes in pension finance, enhancing customer experience through personalized marketing and education [3]. - The potential for virtual investment advisors using AI for pension finance clients is highlighted as a future development [3]. Group 4: Investment Research and Management - The current market volatility favors the development of quantitative strategies, with AI models aiding in factor discovery and strategy development for pension finance [3]. - Increasing demands for refined investment management necessitate higher system information levels, with AI helping to expand the management capabilities of investment managers [3]. Group 5: Business Management Digitalization - Establishing a data platform for pension finance can drive intelligent business management, enabling real-time monitoring and analysis of various operational aspects [4]. - The integration of internal and external data resources is essential for enhancing operational efficiency and risk monitoring [4]. Group 6: Risk Management Innovations - The company is actively exploring digital risk control systems for pension-themed financial products, aiming to enhance quality and efficiency [5]. - A comprehensive risk management system has been established to automate key monitoring indicators, reducing the likelihood of investment violations [5][6]. Group 7: Future Directions - The company is committed to leveraging digital technologies to innovate pension finance business models and meet the comprehensive needs of clients throughout their lifecycle [7]. - The focus on achieving a balance between human oversight and technological solutions in risk management is emphasized as a pathway to enhance investment success [5][6].