伴随着"十五五"蓝图的徐徐展开，"积极应对人口老龄化，健全养老事业和产业协同发展政策机制"成为 重要任务。就在日前，平安居家养老管家服务通过中国质量认证中心（CQC）权威评价，成为全国率 先获得"居家养老管家服务"五星级评价的品牌。实际上，这一评价既填补了我国居家养老管家服务星级 评价的行业空白，更折射了中国平安关于社会价值的深邃洞察和创造性融合。 当前，一套连接着近2.5亿客户的庞大系统，正通过金融、医疗、养老和AI技术的精密齿轮啮合，在中 国平安的驱动下不断校准商业逻辑与社会利益的天平。 正如世界经济论坛执行董事梁锦慧所言，富有远见的企业家深知，基业长青之道在于实现商业价值与社 会价值的统一——让企业成功与增进人类共同福祉有机结合。 中国平安，这家从传统金融向"综合金融+医疗养老"双轮驱动、科技赋能坚定转型的企业，用超越企业 利益和商业逻辑的探路实践，为外界提供了一个坚守价值融合、长期主义的生动样本。在业界有识之士 看来，商业价值和社会价值的珠联璧合，正是一家企业基业长青的密码、穿越周期的"法门"。 1 核心理念升维： 从"风险共担者"到"价值共创者" 中国平安实现价值融合的起点，是一场深刻的理念革新。它 ...

Core Insights - The "Hong Kong FinTech Week × StartmeupHK Festival 2025" is being held from November 3 to 7, celebrating the 10th anniversary of both events, attracting over 37,000 participants from more than 100 economies, with over 800 speakers and 700 exhibitors [1] - Financial One Account, as a FinTech Partner, showcased AI-driven digital transformation solutions for financial institutions during the event [1] - Dr. Jin Xinming, CEO of Financial One Account Hong Kong, delivered a keynote speech on combating deepfake threats, emphasizing the inadequacy of traditional detection methods against rapidly evolving AI models [1] Company Overview - Financial One Account's anti-fraud strategy platform includes over 25 digital modules capable of in-depth analysis of AI-generated images, achieving a comprehensive defense rate of 99% against deepfake threats [2] - The company received significant interest in its AI-driven deepfake detection and electronic Know Your Customer (eKYC) solutions during the event [2] - As the sole window for financial technology output from Ping An Group, Financial One Account supports over 60% of banks in Hong Kong, providing innovative solutions such as enhanced eKYC platforms and deepfake detection technology [2] Industry Outlook - The digitalization process in the financial industry is expected to accelerate, with security remaining a foundational element [2] - Financial One Account aims to collaborate with partners to create a safer and smarter financial ecosystem [2]

Core Insights - The rise of AI deepfake scams poses significant threats to both individual finances and the security of the financial system, with direct economic losses exceeding 1.8 billion yuan as reported by the China Internet Finance Association [1] - Hong Kong's financial sector is exploring the use of AI to combat AI-generated fraud, exemplified by the inclusion of PAObank's anti-fraud strategy platform in the Hong Kong Monetary Authority's GenA.I. sandbox [1] - The disconnect between AI technology and actual business needs has created a "value divide," necessitating a reevaluation of how AI is integrated into financial services [3][4] Group 1: Value Divide and AI Integration - The phenomenon of "value divide" arises from the prevalent "technology-first" approach in AI projects, leading to isolated implementations that do not align with real business scenarios [3][4] - McKinsey's research indicates that while 80% of companies claim to use next-generation AI, 80% of these companies have not seen significant value enhancement from their AI initiatives [3] Group 2: AI as a Business Partner - AI should not be viewed as a standalone solution but rather as a business partner that integrates deeply into financial operations, enhancing risk control, marketing, customer service, and overall operational efficiency [4][6] - The collaboration between PAObank and Financial One Account to create an anti-fraud platform demonstrates a successful application of AI technology in the banking sector, with significant operational metrics such as over 90 million calls and 20,000 intercepted attacks [6] Group 3: Empowering Core Business - The successful realization of AI's value is marked by its ability to address public pain points and enhance enterprise-level applications, as emphasized by Ping An Group's approach to integrating AI into its financial services [5][9] - AI applications in areas such as auto insurance have led to measurable improvements, including a 0.3 percentage point increase in risk control capabilities, translating to billions in value due to the scale of operations [9][10] Group 4: Long-term Value Creation - The focus on practical applications of AI rather than mere technological advancements is crucial for creating sustainable value in the financial sector, as illustrated by Ping An's strategy of leveraging extensive data and operational experience [10]

Core Insights - The rise of AI deepfake scams poses significant threats to both individual finances and the security of the financial system, with direct economic losses exceeding 1.8 billion yuan as reported by the China Internet Finance Association [1] - Hong Kong's financial sector is exploring the use of AI to combat AI-generated fraud, as evidenced by the inclusion of PAObank's anti-fraud strategy platform in the Hong Kong Monetary Authority's GenA.I. sandbox [1][3] - The disconnect between AI technology and actual business needs has created a "value gap," necessitating a reevaluation of how AI is integrated into financial services [3][4] Group 1: Value Disconnection - The narrative surrounding AI is expanding globally, with many financial institutions adopting "AI First" strategies, yet a significant number of these initiatives fail to deliver tangible value [3] - McKinsey's research indicates that while 80% of companies are utilizing next-generation AI, 80% of these companies report no significant value enhancement from their AI projects [3][4] - The phenomenon of "crossing the Darwinian sea" highlights the challenges faced by tech innovation firms in transitioning from R&D to successful commercialization, particularly in the AI sector [4] Group 2: Addressing Public Pain Points - The successful realization of AI's value in the financial sector is marked by its ability to address public pain points and generate social value [4][5] - PAObank's collaboration with Financial One Account to create an anti-fraud platform exemplifies the application of AI technology in banking, with over 90 million calls made to the technology and over 20,000 black market attacks intercepted [5] - The integration of AI into business processes is emphasized, with AI being viewed as a business partner rather than a standalone tool [5][6] Group 3: Empowering Core Business - The transformation of AI into a valuable asset for core business operations is crucial, with a focus on ensuring that every AI project has a clear value proposition [7] - In the auto insurance sector, AI-driven pricing models have improved risk control capabilities by 0.3 percentage points, translating to significant financial benefits given the scale of claims [7][8] - AI applications have led to substantial cost optimizations across various functions, including marketing, service, and risk management, with notable savings reported [8]

Core Insights - The Hong Kong Monetary Authority (HKMA) and Hong Kong Cyberport have announced the participant list for the second phase of the Generative AI Sandbox, which includes 20 banks and 14 technology partners with 27 selected cases [1][2][3] Group 1: Participants and Structure - The second phase of the sandbox has expanded significantly compared to the first phase, focusing on risk management, anti-fraud measures, and customer experience innovation, with the addition of a "GenA.I. Co-Creation Lab" module [2][3] - The 20 participating banks include major institutions such as Ant Bank (Hong Kong), Bank of China (Hong Kong), and HSBC [2][3] - The 14 technology partners include AIFT, Alibaba Cloud, and Hong Kong University of Science and Technology, among others [3] Group 2: Application Scenarios - The 27 selected cases cover three main application areas: risk management, anti-fraud measures, and customer experience [5][6] - Specific applications include AI credit portfolio management, intelligent trade financing, market risk monitoring, and AI-driven customer service tools [5][6] - Ant Group's collaboration with Fubon Bank (Hong Kong) aims to enhance mobile banking experiences through an AI assistant that provides personalized financial advice [6] Group 3: Future Developments - Participants are expected to begin accessing the Cyberport's AI supercomputing center by the end of this year, with technical testing anticipated to start in early 2026 [6] - The HKMA emphasizes the importance of responsible AI application in the financial sector, leveraging the sandbox as a core initiative [6]

Core Insights - PAObank, a digital bank under Ping An Group, has successfully launched an "Anti-Fraud Strategy Platform" in collaboration with OneConnect, marking a significant advancement in AI technology application within Hong Kong's banking sector [1][2] - The platform aims to combat deepfake fraud risks by utilizing AI to enhance fraud detection and risk management capabilities in the banking industry [1][3] Group 1: AI Technology and Fraud Prevention - The "Anti-Fraud Strategy Platform" is part of the GenA.I. sandbox launched by the Hong Kong Monetary Authority, focusing on risk management and fraud prevention in the banking sector [1][2] - The platform employs advanced AI facial recognition technology to verify user identities in real-time, helping to detect potential fraudulent activities [2][3] - The platform has a detection defense rate exceeding 99%, showcasing its effectiveness in identifying complex attacks such as face-swapping and forged videos [3] Group 2: Business Performance and Growth - As of Q3 2025, PAObank's total customer deposits have surpassed 8 billion HKD, indicating strong growth in personal banking services [2] - Ping An Group has developed a comprehensive database with over 3.2 trillion text data, 310,000 hours of annotated voice data, and over 7.5 billion image data, enhancing its AI capabilities across various business scenarios [4] - The implementation of AI has led to significant operational efficiencies, including a 94% instant underwriting rate for life insurance policies and a 64.4 billion CNY reduction in claims fraud for property insurance [4]