Core Viewpoint - Postal Savings Bank of China (PSBC) is leveraging technology and innovation to drive high-quality development in the banking sector, with the launch of its "AI2ALL" digital ecosystem as a key initiative [1][18]. Group 1: Technological Advancements - PSBC has initiated a comprehensive upgrade of its core banking systems, focusing on self-research and development to enhance stability and security, which are critical for banking operations [2]. - The bank's third-generation core system has achieved a tenfold increase in peak load capacity, a 97% reduction in single transaction approval time, and a 90% decrease in end-of-day batch processing time [3]. - PSBC is implementing artificial intelligence (AI) as a fundamental pillar of its development strategy, enhancing internal processes and customer interactions [4]. Group 2: AI and Model Development - The bank is pursuing a dual-track approach in algorithm development, combining external partnerships with self-cultivation, including collaborations with Baidu and Tsinghua University [5]. - PSBC has established a comprehensive model management system to ensure the safe application of AI models throughout their lifecycle [7]. - The bank's AI trading robot, "You Xiao Bao," has improved bond trading efficiency by over 95%, showcasing the effectiveness of AI in financial markets [8]. Group 3: Digital Banking Innovations - The latest version of PSBC's mobile banking app, version 11.0, features an AI assistant that enhances user experience through natural language processing [12]. - The app includes a dual protection mechanism for high-risk transactions, marking a significant upgrade in security measures [13]. - PSBC has integrated non-financial services into its mobile banking platform, enhancing customer engagement and satisfaction [14]. Group 4: Financial Inclusion and Green Finance - PSBC is extending its financial services through innovative models like the "Cloud Cabinet," which enhances service delivery in remote areas [11]. - The bank has developed specialized financial products to support green projects, contributing over 5.185 billion yuan to renewable energy initiatives [16]. - As of September 2025, PSBC's green loan balance reached 999.284 billion yuan, significantly contributing to carbon emission reductions [16]. Group 5: Future Outlook - The bank is preparing for the "15th Five-Year Plan," focusing on further developing its digital ecosystem and enhancing its AI capabilities [18]. - PSBC aims to integrate its financial services more deeply into China's modernization efforts, positioning itself as a leader in the digital transformation of the banking industry [19].

Core Viewpoint - Postal Savings Bank of China (PSBC) is launching its "AI2ALL" digital ecosystem, emphasizing the transformative role of technology in the banking sector and its commitment to enhancing financial services for the real economy [1][3]. Group 1: Digital Ecosystem and AI Integration - The "AI2ALL" digital ecosystem aims to enhance internal efficiency and external outreach by integrating AI capabilities across various service segments [1][2]. - PSBC has identified nearly 260 application scenarios for large models within the "AI2ALL" framework, showcasing its extensive approach to AI integration [1][2]. Group 2: Infrastructure and Technological Foundations - PSBC has established a robust foundation in three key areas: data, computing power, and algorithms, including a five-tier data architecture and the first domestic super-node intelligent computing cluster in the financial sector [2]. - The bank employs a dual approach of external model integration and internal model development, utilizing advanced models like Baidu's "Wenxin Yiyan" and its proprietary "Youzhi" model [2]. Group 3: Service Enhancement and Customer Engagement - Intelligent tools are implemented across all processes, enhancing front, middle, and back office operations, with personalized marketing and improved risk control through smart models [2]. - The bank has innovated its service delivery by adopting a human-machine collaboration model, enabling seamless service across physical and digital channels [2]. Group 4: Future Vision and Commitment - PSBC is committed to its "financial for the people" mission, focusing on deepening the "digital postal savings" strategy and creating meaningful financial services that benefit a wide range of customers and partners [3].

Core Insights - The China Postal Savings Bank (PSBC) held the 2025 Digital Finance Conference, showcasing its advancements in digital finance and the launch of its mobile banking version 11.0, emphasizing its commitment to technology-driven financial services [1] - The bank's president, Liu Jianjun, highlighted the transformative impact of technology on the banking sector, focusing on AI's role in reshaping traditional financial models and enhancing service delivery [2] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative to optimize financial supply, reduce financing costs, and improve service experiences, maintaining a focus on serving the real economy [2] - The bank has hosted the Digital Finance Conference for three consecutive years, evolving its strategy from initial exploration to practical implementation and now to a new era of digital finance [2] AI Capabilities - PSBC is enhancing its AI capabilities by focusing on data, computing power, and algorithms, establishing a robust AI infrastructure that supports business innovation [3] - The bank has received the People's Bank of China Financial Technology Development Award for three consecutive years, indicating its leadership in financial technology [3] AI2ALL Ecosystem - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across various service dimensions, enhancing internal efficiency and external outreach [4] - PSBC has identified nearly 260 application scenarios for its AI capabilities within the "AI2ALL" framework [4] Operational Efficiency - The bank is utilizing intelligent tools across all operational processes, from front to back office, to enhance organizational efficiency and management precision [5] - In the front office, PSBC is leveraging intelligent marketing tools to provide personalized services, moving away from traditional broad marketing approaches [6] Risk Management - In the middle office, PSBC is using intelligent models to improve risk control and business efficiency, creating a new paradigm that balances business growth with risk management [6] Customer Service Enhancement - PSBC is integrating AI into its service delivery across offline, remote, and online channels, aiming to provide seamless and intelligent customer experiences [7] - The bank has introduced cloud-based services and intelligent outbound calling to enhance customer interaction and responsiveness [7][8] Mobile Banking Innovation - The latest version of PSBC's mobile banking app incorporates AI to redefine financial services, offering personalized features and enhanced security measures [8] - The app has received high ratings in user experience, ranking second in overall evaluation among major banks, with top scores in user experience for three consecutive years [8]

Core Viewpoint - Digitalization, greening, and intelligence have become the core of China's postal new productivity, reshaping the organization and enhancing its ability to serve the socio-economic landscape while continuously releasing the "postal effect" [1][4]. Digitalization and Intelligent Applications - In February 2025, China Post EMS completed the private deployment of the DeepSeek-R1 large model, significantly improving service capabilities across multiple scenarios, with efficiency in some areas expected to increase by approximately 33% [2]. - The rapid deployment of the large model and its application is attributed to extensive preparatory work initiated in 2024, focusing on digital intelligence to solve specific key issues [4]. Operational Efficiency and Innovations - The Shenzhen Longhua Post Office has implemented a "smart post office" system, allowing a single staff member to manage operations efficiently, addressing the operational pressures faced by public service outlets [7]. - By August 2024, Shenzhen Post had established six smart post offices and 35 self-service experience post offices, achieving a collection volume of over 36,000 items and saving over 20,000 yuan per outlet annually [7]. Cloud Services and Financial Innovations - The Postal Savings Bank has introduced a cloud cabinet service that combines audio and video technology, allowing customers to conduct banking operations remotely, with an average of over 330 transactions per day from January to September 2024 [9]. - This model has reduced the number of service counters from three to 1.5, enabling staff to focus more on customer marketing and business development [9]. Technological Advancements in Logistics - In 2024, China Post launched version 2.0 of its dispatch system, enhancing predictive capabilities with an average accuracy rate of 92.98% for inter-provincial bag volume forecasts and 98.53% for total bag volume [10]. - The digital human "Xiao You" 2.0 version has been utilized in live streaming, generating 31.6 million yuan in sales since its trial launch in January 2024 [10]. Green Initiatives and Sustainability - China Post is actively promoting green packaging and transportation, with a total of 16,908 new energy vehicles in operation by the end of 2024, and a green loan balance of 781.732 billion yuan, reflecting a year-on-year growth of 22.55% [22]. - The organization is also implementing a circular packaging system and encouraging the return of used packaging for recycling [22]. Overall Impact and Future Directions - The new productivity model of China Post is enhancing its ability to meet public needs and support high-quality development, with a focus on technological innovation and external collaboration [22][23]. - The establishment of the "Postal Brain" platform is central to the bank's AI initiatives, with significant investments in technology to support various operational and marketing functions [15].

Core Insights - China Post EMS has completed the private deployment of the DeepSeek-R1 large model, significantly enhancing service capabilities across multiple scenarios, with efficiency improvements of approximately 33% in certain areas [1][2] - The company has been actively exploring suitable applications for large models since 2024, focusing on digital transformation to address specific key issues and cultivate new productive forces [2][3] Digital Transformation and New Productive Forces - The digitalization, greening, and intelligence have become the core of China Post's new productive forces, reshaping the company and enhancing its ability to serve the economy and society [2][3] - The establishment of smart post offices and self-service experiences has improved operational efficiency, allowing a single staff member to manage high customer traffic effectively [4][6] - The introduction of cloud cabinet services by Postal Savings Bank has streamlined banking operations, allowing for an average of over 330 transactions per day from January to September 2024 [6] Technological Innovations - The launch of the upgraded dispatch system 2.0 in 2024 has improved operational efficiency and predictive capabilities, achieving an average accuracy rate of 92.98% for inter-provincial bag volume predictions [7] - The digital human "Xiao Post" 2.0 has been instrumental in e-commerce, generating significant sales and enhancing the company's ability to support rural revitalization [7][12] Investment in Technology - Postal Savings Bank has committed approximately 3% of its annual revenue to information technology, with a reported investment of 11.278 billion yuan in 2023, marking a year-on-year increase of 5.88% [9] - The "Postal Brain" platform has been developed to support various AI applications, enhancing operational efficiency across hundreds of scenarios [9] Green Initiatives - China Post has made strides in green transformation, with a focus on sustainable packaging and the promotion of new energy vehicles, achieving a fleet of 16,908 new energy vehicles by the end of 2024 [16] - The balance of green loans from Postal Savings Bank reached 781.732 billion yuan by the end of 2024, reflecting a year-on-year growth of 22.55% [16] Societal Impact - The new productive forces cultivated by China Post not only enhance its service capabilities but also contribute to high-quality development and the release of green new momentum [18] - The company's extensive network and public service role position it as a key player in applying and popularizing technological innovations that improve overall societal efficiency, known as the "Postal Effect" [18]