文 | 徐苑蕾 随着生成式AI技术浪潮席卷金融业，银行、券商等机构纷纷加速App AI化转型。如何让新技术真正嵌 入金融业务全流程，并实现合规与效率的平衡，始终是金融业探索数字化、智能化的挑战。 近日，凡泰极客创始人梁启鸿在对话中表示，AI技术在金融机构App中的落地需摒弃互联网金融时代的 割裂思维，通过渐进式改造、AI记忆能力构建与工程化中台搭建，打通从技术到业务的最后一公里。 AI应全面赋能，不应另搞一块试验田 面对AI热潮，部分金融机构选择独立开发AI专属App，这一做法被梁启鸿明确否定。 "这本质上重蹈了互联网金融时代的覆辙，当时很多机构成立独立互联网子公司，结果造成线上线下割 裂、资源内耗、利益分配冲突、考核失衡等一系列问题。"梁启鸿指出，AI的价值在于泛化赋能全业务 流程，而非成为孤立的试验田。 在他看来，金融机构探索AI的正确路径是对存量App进行渐进式改造。"通过非入侵性技术手段，在现 有系统基础上嵌入AI能力，而不是推倒重来。传统聊天入口的AI不知道用户在哪个页面、正在操作什 么，而应该把这些上下文信息实时传递给AI，让交互更精准。" AI本质上是效率工具而不是玩具 公开数据显示，当前国内超 ...

Core Insights - The 13th Internet Security Conference (ISC.AI 2025) in Beijing focuses on digital security and AI, with the theme "ALL IN AGENT" [1] - Qifu Technology showcases its Lumo AI compliance assistant, highlighting its potential in financial compliance [1][3] Group 1: Product Features - Lumo AI is designed as a compliance CTO for financial institutions, significantly reducing regulatory document interpretation time from an industry average of 40 hours to just 2 hours [1] - The accuracy of policy adaptation has increased from approximately 68% to 99.2%, and the efficiency of compliance gap identification and rectification suggestions has improved by 20 times [1] - The automation execution rate of the entire compliance process exceeds 85%, enhancing efficiency, quality, and risk control capabilities [1] Group 2: Technical Support and Certifications - Lumo AI includes a dynamic library of over 2000 financial regulations, integrates more than 300 risk assessment models, and utilizes over 50 financial-specific algorithms [2] - The company has achieved dual international and domestic certifications, including ISO/IEC 27001 and ISO 27701 for information security and privacy management [2] - Qifu Technology's products have passed various security certifications, establishing a benchmark for mobile financial application security [2] Group 3: Industry Impact - Qifu Technology's Lumo AI compliance assistant provides a practical path for financial institutions to navigate complex regulatory environments, promoting a more efficient and robust compliance landscape [3]