Core Viewpoint - The article emphasizes the significant role of artificial intelligence (AI) in the digital transformation of the banking industry, particularly highlighting the efforts of Bank of Communications (BoCom) in leveraging technology for high-quality development [1]. Group 1: Digital Transformation Strategy - BoCom has positioned digital transformation as a crucial breakthrough for achieving high-quality development, with a focus on enhancing technological leadership and value creation [1]. - The bank has implemented a comprehensive digital financial development plan and an "AI+" action plan, reflecting its commitment to building a robust digital foundation [2]. - Over the past three years, BoCom's technology investment has consistently accounted for over 5% of its operating income, with its fintech talent pool growing from approximately 4,000 to nearly 10,000, representing nearly 10% of the workforce [2]. Group 2: AI Core Capability Development - BoCom is accelerating the construction of a "super brain" through its "AI+" strategy, establishing a framework that includes a trillion-level financial model algorithm matrix [3]. - This "intelligent hub" has developed hundreds of application scenarios and digital employees across various fields, transforming human labor into value creation [3]. Group 3: Data Utilization and Innovation - The bank has built an enterprise-level data service system that connects with national platforms and local data institutions, facilitating the flow and application of data for decision-making [4]. - BoCom has pioneered a data asset financing platform in Shenzhen, successfully implementing a project that capitalizes on data knowledge rights, which won the first prize at the 2024 Web3.0 Innovation Competition [4]. Group 4: Business Empowerment through Technology - BoCom is integrating its digital capabilities into core business areas such as technology innovation, cross-border finance, and supply chain services, driving high-quality business development [5]. - The bank's mobile banking platform has over 53 million monthly active users, expanding its service reach [5]. - In the technology finance sector, BoCom has supported over 60,000 tech enterprises with loans, with the balance of technology loans exceeding 1.5 trillion yuan [5][6]. Group 5: Innovative Practices and Recognition - BoCom's Qingdao branch has developed an industrial internet financial service platform that enhances financing efficiency and has received multiple awards for its innovative approach [6]. - The bank's systematic approach to digital finance development is evident from its foundational investments to business empowerment, showcasing its commitment to high-quality growth [6].

Core Viewpoint - The banking industry is undergoing a digital transformation driven by artificial intelligence (AI), with China’s Bank of Communications (BoCom) positioning its digital transition as a key strategy for high-quality development [1] Group 1: Digital Transformation Strategy - BoCom has released several strategic plans, including the "14th Five-Year" financial technology development plan and the "Artificial Intelligence+" action plan, to accelerate the establishment of a "digital BoCom" [2] - The bank's technology investment has consistently accounted for over 5% of its operating income over the past three years, with its financial technology talent pool growing from approximately 4,000 to nearly 10,000, representing nearly 10% of the workforce [2] - BoCom has restructured its digital financial infrastructure, significantly increasing its computing power, particularly in intelligent computing, to support the systematic and scalable implementation of AI [2] Group 2: AI Development and Applications - BoCom is building a "super brain" through its "Artificial Intelligence+" strategy, establishing a "1+1+N" AI framework and creating a financial model algorithm matrix worth hundreds of billions [3] - The bank has developed hundreds of application scenarios and digital employees across various fields, including customer service and risk assessment, transforming from human replacement to value creation [3] Group 3: Data Utilization and Innovation - BoCom has established an enterprise-level data service system that connects with national credit platforms and various data institutions, integrating over a hundred national and dozens of regional data types [4] - The bank has pioneered a data asset financing platform in Shenzhen, successfully implementing a project for data intellectual property pledge financing, which has won multiple awards for its innovative approach [4] Group 4: Business Empowerment and Growth - BoCom is leveraging its digital capabilities to enhance service to the real economy, integrating data and AI into core business areas such as technology innovation, cross-border finance, and supply chain [5] - The bank's mobile banking monthly active users have exceeded 53 million, indicating a growing reach of its integrated online and offline service system [5] - BoCom has provided loan support to over 60,000 technology enterprises, with a technology loan balance surpassing 1.5 trillion yuan, and has seen an average growth rate of over 30% in loans to small and micro enterprises [6] Group 5: Regional Innovation and Impact - BoCom's Qingdao branch has developed an industrial internet financial service platform that integrates information, funds, and logistics, significantly improving financing efficiency [7] - The platform has received multiple awards for its innovative impact on regional economic development, demonstrating the effectiveness of BoCom's digital financial initiatives [7]