Core Viewpoint - The discussion at the Tsinghua Wudaokou Global Financial Forum emphasizes the role of open-source technology in promoting inclusive finance and social innovation, particularly in the context of the AI era [1][3]. Group 1: Open Source Technology and Financial Inclusion - Open-source models provide low-cost or even zero-cost technological foundations for social innovation, exemplified by AlphaFold's impact on drug development [3][4]. - The proliferation of cloud services as a foundational platform enhances the digital service capabilities of society, especially for small and medium enterprises [3][4]. Group 2: Value Creation through Data Assets - Startups can maximize the value of their digital assets by being acquired by larger institutions, integrating their data into broader financial and service systems [4][5]. - Financial institutions can leverage AI and existing user data to minimize costs and maximize macroeconomic benefits, achieving a "zero marginal cost" model [5][6]. Group 3: Data Privacy and Security - The concept of Local Live Models (LLM) is proposed to enhance data privacy and security in financial services, ensuring that user data remains protected while still being accessible for service enhancement [5][6]. - Utilizing blockchain logic can transform financial clients and services into private databases, which can connect to alliance chains for public services while maintaining data security [6][7]. Group 4: Regulatory Considerations - The financial regulatory framework should adapt to the integration of AI technologies by rethinking account systems and allowing for "sandbox regulation" to foster innovation without premature restrictions [6][7].