Core Insights - The release of the "AI2ALL" digital ecosystem marks a new era in the digital transformation of Postal Savings Bank of China, emphasizing its strategic layout and innovative practices in artificial intelligence [1][8] Group 1: Strategic Layout and AI Integration - Postal Savings Bank has been advancing its "Digital Postal Savings" strategy and deepening its "AI+" initiatives, achieving significant breakthroughs in financial technology, evidenced by winning the People's Bank of China Financial Technology Development Award for three consecutive years [2] - The "AI2ALL" digital ecosystem focuses on four value dimensions: broad customer base, deep customer experience, multi-model scenarios, and micro-detail innovation, planning nearly 260 AI application scenarios to integrate AI capabilities throughout banking operations and customer service [2] Group 2: Internal Efficiency and Employee Empowerment - The bank actively involves employees in the implementation of intelligent applications, collecting innovative ideas and process optimization suggestions to enhance core areas such as precise marketing and risk compliance [3] - In front-office services, the bank has developed intelligent marketing tools that utilize AI technology to achieve personalized outreach, covering over 54 million clients in wealth management marketing, with a conversion rate of 36.2% for personal loan marketing [3] Group 3: Risk Management and Operational Efficiency - In the middle-office risk control area, the bank has created intelligent loan review tools that standardize the review process, achieving an accuracy rate of 98% in image classification and 92% in key information extraction [4] - The intelligent analysis tools in the back office enhance employee capabilities, allowing for data extraction and analysis in just three minutes, with a result adoption rate of 95% [4] Group 4: Customer Experience Enhancement - The bank has redefined customer service touchpoints by integrating AI into various channels, including mobile banking and offline branches, to continuously optimize products and services based on user feedback and data insights [5] - The "process is response" model in offline services has improved operational efficiency by 40%, significantly enhancing customer service experiences [5] Group 5: Remote and Online Service Innovations - The bank's remote service innovations include intelligent outbound calling that enhances customer interaction and emotional connection, responding to customer needs in 1.8 seconds with highly human-like voice responses [6] - The upgraded mobile banking version 11.0 redefines digital financial services, offering personalized features and a dual protection mechanism for high-risk transactions, achieving a top user experience ranking for three consecutive years [7] Group 6: Future Outlook - The launch of the "AI2ALL" digital ecosystem signifies a systematic deployment and large-scale application of the "Digital Postal Savings" strategy, indicating a shift towards a fully intelligent and symbiotic ecosystem in financial services [8]

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]