Core Viewpoint - The article emphasizes that mobile banking has evolved from a mere online channel for financial services to a benchmark for assessing a bank's technological strength, user-centric thinking, and strategic foresight. Postal Savings Bank of China (PSBC) is redefining digital finance through continuous improvement in user experience and the introduction of AI-driven services [1]. Group 1: Evolution and Transformation - PSBC's mobile banking faced challenges in system architecture and innovation mechanisms three years ago, prompting a comprehensive core system reconstruction starting in 2022. This transformation aims to create a secure, agile, and self-controlled digital foundation [2]. - The bank's digital strategy, termed "Digital PSBC," is being advanced through the "AI 2 ALL" initiative, which focuses on four value dimensions: broad customer base, deep customer experience, multi-model scenarios, and detailed innovations, planning nearly 260 AI application scenarios [2][3]. Group 2: Growth Drivers - PSBC's mobile banking has achieved a customer base of 386 million and nearly 86 million monthly active users as of June 2025, reflecting a commitment to user experience and service [5]. - The growth is driven by a systematic approach to intelligent operations, ecological scene integration, and integrated service assurance, forming a "growth flywheel" that addresses value creation in a saturated market [5]. Group 3: Service Transformation - The launch of the 11.0 version of PSBC's mobile banking marks a significant shift towards "companion-style innovation," integrating AI deeply into customer journeys and redefining service boundaries [11]. - The new version features a conversational service model, allowing users to perform transactions through simple voice commands, enhancing user interaction and making financial operations more intuitive [11][12]. - The 11.0 version also introduces a more personalized user experience by predicting user needs and displaying relevant functions based on browsing habits, thus evolving from a "function finds user" to a "function understands user" approach [12]. Group 4: Security Enhancements - The 11.0 version incorporates a multi-layered security system, including a "social trust" dimension that allows for collaborative protection during high-risk transactions by contacting pre-set guardians [13]. - New features such as voice verification for identity confirmation and integration with national identity authentication systems enhance account security [14]. Conclusion - PSBC's evolution from a follower to a leader in mobile banking illustrates that success in the digital finance competition hinges on continuous self-reflection and transformation centered around customer needs, rather than merely accumulating functions or competing on technology [15].

Core Insights - The article emphasizes the transformation of the Chinese banking industry driven by digital technology and artificial intelligence, marking a critical turning point for banks to shift from quantitative accumulation to qualitative breakthroughs [1] - The launch of Postal Savings Bank's mobile banking 11.0 signifies a transition from a functional tool to an intelligent partner, showcasing the bank's commitment to a comprehensive digital ecosystem with its "AI2ALL" strategy [3][4] Digital Transformation - Postal Savings Bank's mobile banking 11.0 integrates AI deeply into the customer journey, transforming traditional interactions into a conversational service model [4] - The app features a "one-stop" search experience and a "dialogue as service" approach, enhancing user convenience and making complex financial operations more intuitive [4][5] - The bank aims to create a financial service ecosystem that merges finance with daily life, enhancing user engagement through personalized services [5] User Experience and Security - The mobile banking 11.0 introduces a dual protection mechanism called "Friends + Bank," integrating social trust into security measures to enhance transaction safety [5] - New features include voice verification for identity confirmation and expanded family financial services, allowing shared product purchases among close contacts [5] Recognition and Performance - Postal Savings Bank's continuous investment in user experience has been recognized, with its mobile banking app ranking first in user experience for three consecutive years according to CFCA's report [6] AI and Ecosystem Development - The "AI2ALL" digital ecosystem aims to integrate AI capabilities across all banking operations, focusing on enhancing customer experience and operational efficiency [7][8] - The strategy includes nearly 260 AI application scenarios, promoting a comprehensive integration of AI in management and customer service [8] Internal Efficiency and External Service - The "AI2ALL" initiative enhances internal processes from front to back office, improving marketing precision and risk management efficiency [8][9] - The bank has developed a new human-machine collaboration system for customer service, significantly improving service efficiency and response times [9] Technological Foundation - Postal Savings Bank has made substantial investments in data, computing power, and algorithms, establishing a robust foundation for its AI capabilities [10] - The bank's strategy includes building a comprehensive data architecture and enhancing its AI computing resources, demonstrating a commitment to sustainable transformation [10]

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 - China Postal Savings Bank (CPSB) is advancing its digital finance strategy with the launch of the "AI2ALL" digital ecosystem, showcasing its commitment to leveraging technology to enhance financial services and customer experience [1][10]. Digital Finance Conference - CPSB held its 2025 Digital Finance Conference, themed "Opening the Digital Postal Savings i∞ Era," highlighting its achievements and future plans in digital finance [1][10]. - The conference featured speeches from CPSB President Liu Jianjun and Vice President Niu Xinjiong, emphasizing the bank's technological advancements and service innovations [1][10]. Technological Transformation - Liu Jianjun stated that technology is fundamentally transforming the speed of progress, depth of financial reform, and breadth of service delivery in the banking industry [3][11]. - CPSB is committed to optimizing financial supply, reducing financing costs, and enhancing service experiences to better serve the real economy [3][11]. AI2ALL Digital Ecosystem - The "AI2ALL" ecosystem aims to integrate AI capabilities across various service dimensions, enhancing both internal efficiency and external customer engagement [6][13]. - CPSB has identified nearly 260 application scenarios for its AI capabilities within the "AI2ALL" framework [6][13]. Intelligent Capability Development - CPSB is building its intelligent capabilities around data, computing power, and algorithms, transitioning AI from a technical support role to a core driver of business innovation [5][12]. - The bank has established a comprehensive data asset structure and upgraded its AI computing infrastructure, becoming a leader in the domestic financial sector [5][12]. Service Enhancement - CPSB is enhancing customer service through AI integration across offline, remote, and online channels, aiming to provide seamless and intelligent customer experiences [7][14]. - The bank has introduced innovative services such as cloud cabinets and intelligent outbound calls to improve service efficiency and customer interaction [16][8]. Mobile Banking Upgrade - The latest version of CPSB's mobile banking app (version 11.0) incorporates AI to redefine financial service interactions, achieving high user experience ratings in industry evaluations [8][17]. - CPSB has implemented a dual protection mechanism for high-risk transactions, enhancing security measures for its customers [8][17]. Future Outlook - CPSB is committed to its "Digital Postal Savings" strategy, focusing on deepening the "AI2ALL" ecosystem to create valuable financial services that benefit a wide range of customers and partners [10][19].

Core Viewpoint - Postal Savings Bank of China (PSBC) is focusing on digital transformation and the integration of artificial intelligence (AI) into its operations, aiming to enhance efficiency and customer service through the launch of its "AI2ALL" digital ecosystem [1][2]. Group 1: Digital Transformation and AI Integration - PSBC held a digital finance conference themed "Opening the Digital Postal Savings i∞ Era," where the bank's president emphasized the importance of technology as the primary productivity force in the banking industry [1]. - The "AI2ALL" digital ecosystem aims to elevate AI capabilities from single-point applications to an organic, symbiotic digital ecosystem, enhancing both internal efficiency and external customer engagement [1][2]. - The bank is implementing intelligent tools across all operational processes, including front, middle, and back offices, to achieve refined management and improved organizational efficiency [2]. Group 2: Marketing and Risk Management Innovations - In the front office, PSBC is utilizing intelligent profiling to enhance precision in marketing, shifting from broad marketing strategies to personalized services [2]. - In the middle office, the bank is developing intelligent credit review tools to balance business growth with risk management, transforming expert knowledge into model-driven decision-making [2]. - The back office is seeing improvements in employee capabilities through intelligent data analysis tools, making data analysis accessible to all staff [2]. Group 3: Organizational Changes and Strategic Focus - The bank has appointed Yang Xilin as the Financial Market Business Director, indicating a strategic shift to strengthen its financial market operations alongside its retail business [3][4]. - PSBC has identified "financial markets" as one of its five differentiated growth areas, aiming to enhance its capabilities and innovate within this sector [3]. - The chairman of PSBC has stated the intention to strengthen corporate finance and diversify intermediary business while promoting the professional development of subsidiaries [3].

Core Insights - Postal Savings Bank of China (PSBC) is advancing its digital finance strategy with the launch of the "AI2ALL" digital ecosystem, showcasing its commitment to integrating technology into financial services [1][2] Group 1: Digital Finance Strategy - PSBC has been implementing its "Digital Postal Savings" strategy, hosting annual digital finance conferences to present its latest achievements [2] - The theme of the 2025 conference is "Opening the Digital Postal Savings i∞ Era," reflecting the bank's continuous evolution in digital finance [2] - The bank emphasizes its mission of serving the real economy while optimizing financial supply and enhancing service experiences [1][2] Group 2: AI Integration - The "AI2ALL" initiative aims to elevate AI capabilities from mere technical support to a core engine for business innovation [2] - PSBC has identified nearly 260 application scenarios for large models based on the "AI2ALL" digital ecosystem [2] - The bank's AI capabilities are designed to enhance efficiency internally and improve customer outreach externally [2][3] Group 3: Operational Efficiency - PSBC is applying intelligent tools across all operational processes, enhancing management precision and organizational effectiveness [3] - The bank utilizes smart profiling for targeted marketing, intelligent models for risk control, and smart analytics for employee skill enhancement [3] - PSBC's mobile banking app version 11.0 ranked second in overall evaluation in the latest digital banking survey, with user experience leading the industry for three consecutive years [3]

Core Insights - Postal Savings Bank of China (PSBC) is showcasing its achievements and future plans in digital finance at the 2025 Digital Finance Conference, emphasizing the integration of technology in financial services [1] - The bank's president highlights the transformative impact of technology on the speed of progress, depth of financial reform, and breadth of service reach, positioning AI as a key driver in reshaping traditional financial models [1][2] - PSBC is committed to serving the real economy by optimizing financial supply, reducing financing costs, and enhancing service experiences, aligning with its mission of "finance for the people" [1][3] Digital Strategy - PSBC has adopted a "Digital Postal Savings" strategy, implementing an "AI+" initiative that has led to the bank receiving the People's Bank of China Financial Technology Development Award for three consecutive years [2] - The bank's intelligent tools span the entire operational process, enhancing management efficiency and organizational effectiveness [2] - In the front office, PSBC utilizes intelligent profiling to improve precision marketing, shifting from broad marketing strategies to personalized services [2] - In the middle office, intelligent models enhance risk control and business efficiency, with tools that integrate expert knowledge into decision-making processes [2] - In the back office, intelligent analysis tools improve employee capabilities by simplifying data access and analysis processes [2] Future Outlook - PSBC is dedicated to its "finance for the people" principle and will continue to advance its "Digital Postal Savings" strategy, focusing on building a digital ecosystem that delivers warm and perceptive financial services to various sectors [3]