数字资产的应用日益受到重视，《稳定币条例草案》亦于去年获通过。调查指出57.6%的受访公众及 81.5%的受访中小企对该草案获通过表示有所了解。此外，受访者期望数字银行未来能提供数字资产 的"储存管理"、"日常支付"及"风险管理"功能，进一步拓展财富管理的工具组合。 智通财经APP获悉，香港银行公会数字银行公众教育专责小组发布最新调查报告，指出数字银行正以灵 活、创新的优势，成为市民进入Web3生态及实现多元化财富管理的重要桥梁。根据调查，愈来愈多市 民将数字资产纳入整体财富管理策略中。用户普遍认为，数字银行具备"服务范围广泛及全面"(60.4%) 和"具竞争力的汇率及条款"(56.4%)等优势，有助提升资产配置的灵活性与效率。 银行公会指出，除了稳健性，市民亦日益重视金融机构的创新能力与使用体验。传统银行提供稳健基础 与全方位金融服务，而数字银行则在数字化及 Web3应用方面灵活度高，两者形成互补，共同推动香 港金融体系多元发展。 调查发现，受访者期望数字银行在Web3生态中担当多重角色，当中包括提供与数字资产相关的服务， 这反映出大众认同数字银行已成为安全管理数字资产及进行Web3交易的首选平台之一，让数 ...

Core Insights - The number of internet users aged 60 and above in China is projected to reach 161 million by June 2025, indicating a significant shift in the digital engagement of the elderly population [1][2] - This demographic transition reflects a broader change in lifestyle and social interaction among older adults, as they increasingly bridge the digital divide [2] Digital Engagement of Elderly - Social networking is a primary entry point for many elderly users, with approximately 97% of them able to use communication tools, focusing on maintaining connections with family and friends [3] - The digitalization of life services has become the second major area of engagement, with elderly users showing increasing proficiency in online shopping and other advanced applications [4] - News consumption is a critical need for older adults, with 67.7% of internet users aged 60-69 accessing news online, highlighting their interest in current affairs and health information [5] Entertainment and Content Creation - Digital entertainment has become an important aspect of life for older adults, with over 70% engaging in online gaming, indicating a shift in how they express individuality and combat age-related stereotypes [6] - Content creation is emerging as a new experience for older adults, with over 75% having experience in short video creation, allowing them to transition from consumers to producers of content [7] Social Connectivity and Mental Health - The internet serves as a vital tool for combating loneliness and maintaining social connections, especially as family structures become smaller and social circles shrink post-retirement [8] - Studies suggest that moderate internet use can positively impact mental health, delaying cognitive decline and reducing feelings of depression among older adults [8] Challenges in Digital Adoption - Despite the benefits, many elderly individuals face significant barriers to internet use, with 82.9% reporting various obstacles, particularly among those aged 70 and above [10] - Physical limitations, such as vision and hearing impairments, along with psychological barriers like fear of technology, contribute to the difficulties faced by older adults in navigating the digital landscape [11][13] Policy and Community Support - Recent policies aim to create a more inclusive digital environment for older adults, focusing on adapting technology to meet their needs and enhancing digital literacy [16][19] - Community initiatives, such as "time banks" for mutual assistance, are being explored to provide older adults with the necessary support to engage with technology [20] Conclusion - The ongoing digital transformation presents both opportunities and challenges for the elderly population, necessitating a balanced approach that combines technological advancement with human-centered support systems [21]

Group 1 - Digital finance is a crucial component of the digital economy, which provides the necessary conditions for its development [1] - The digital economy is characterized by the extensive application of digital technologies, leading to industrial transformation and resource optimization [1][2] - The digital economy encompasses both digital industrialization and industrial digitization, forming the foundation for the development of digital finance [2] Group 2 - Digital industrialization refers to economic activities that rely on digital technologies and data elements, with significant advancements in new infrastructure such as 5G and AI [2] - The hardware manufacturing capabilities and innovation in sectors like chips and integrated circuits are continuously improving, enhancing the integration of manufacturing and digitalization [2] - The data industry is growing, with a focus on data mining, collection, storage, and analysis, which empowers various sectors and drives the development of digital finance [2] Group 3 - Industrial digitization involves the application of digital technologies in traditional industries, leading to increased production efficiency and output [3] - The process of industrial digitization can be divided into four stages: infrastructure development, individual applications, comprehensive integration, and collaborative innovation [3] - New financial service models such as digital payments and mobile banking are emerging, rapidly expanding the market size and transforming financial activities for businesses and individuals [3] Group 4 - The digital transformation across all sectors is fundamental to the development of digital finance, acting as a significant engine for global economic growth [4] - The global digital transformation has progressed through three phases, with the current phase characterized by "intelligent" and "platform-based" features [4] - The role of internet companies and traditional manufacturers in driving digital transformation is becoming increasingly prominent [4] Group 5 - The World Bank reports that global digital transformation is accelerating, significantly impacting communication, information access, and business activities [5][6] - From 2000 to 2022, the growth rate of the information technology services industry was nearly double that of the global economy, with a 7% annual growth rate in digital services employment [5] - The digital industry not only contributes to growth and job creation but also has positive spillover effects across various sectors [6] Group 6 - The digital divide is widening, particularly in low- and middle-income countries, where disparities in internet speed and access hinder digital benefits [6] - China's digital transformation has achieved remarkable success under the digital economy strategy, creating unique competitive advantages [6] - These advantages, including advanced infrastructure and extensive data resources, lay a solid foundation for the development of digital finance [6] Group 7 - The book on digital finance, led by experts, aims to provide a comprehensive overview of the development of digital finance in China, covering theoretical and practical aspects [8] - It introduces the concept of digital financial infrastructure and analyzes its current state and key development directions [8] - The book also proposes new ideas and measures to balance innovation and regulation in digital finance, enhancing international competitiveness [8]

Core Insights - The Nepali banking sector is facing challenges due to the rapid growth of digital banking and electronic payments, leading to a decline in foot traffic at physical branches [1] - The central bank of Nepal has allowed banks to merge nearby branches to reduce costs and improve profitability, indicating a shift towards digital transformation and streamlining of physical presence [1] Industry Overview - There are a total of 5,104 commercial bank branches, 1,134 development bank branches, and 291 financial company branches across Nepal [1] - Major urban areas such as Kathmandu, Lalitpur, Pokhara, Bharatpur, Biratnagar, and Birgunj account for 1,690 of these branches, highlighting a concentration of banking services in metropolitan regions [1] Challenges Faced - High rental, labor, and management costs are becoming burdensome for banks as customer traffic declines in physical locations [1] - The industry is experiencing a "want to close but difficult to close" dilemma, emphasizing the need for strategic adjustments [1]

Core Insights - The core message of the event is the importance of digital transformation in the financial industry, emphasizing the integration of AI technology to enhance efficiency and quality across the entire financial service chain [1][10]. Group 1: Digital Transformation in Banking - The digital transformation in banking has evolved from being a technology-driven necessity to a phase filled with both challenges and opportunities, referred to as the "deep water zone" [3][12]. - The key to improving quality and efficiency in finance lies in the process of driving new growth (incremental) to enhance existing operations (stock), which is a dynamic logic in financial reform [3][12]. - Many banks have made effective attempts at digital transformation, but without a clear linkage between new and existing systems, there can be internal competition for resources and assessments [3][12]. Group 2: Company’s Product Offerings - The company has developed a robust product line covering the entire credit process, data platforms, regulatory compliance systems, and digital banking, providing comprehensive support for financial institutions [4][13]. - The company has established four core platforms—customer profiling, comprehensive rights, marketing activities, and marketing strategies—to facilitate data sharing and business collaboration among banks [4][13]. Group 3: AI Implementation in Finance - The application of AI in the financial sector has shifted from a phase of technological enthusiasm to practical implementation, with a focus on engineering and governance as core issues [7][16]. - The company has identified five typical AI application scenarios, including information extraction, thematic analysis, review processes, decision support, and report writing, enhancing operational efficiency [9][18]. - The company has introduced an AI mobile banking product that transitions from graphical user interfaces to conversational services, providing personalized assistance and asset management [9][18]. Group 4: Future Development and Investment - The company plans to increase investment in key areas such as artificial intelligence, digital operations, and domestic innovation migration, aiming to strengthen integrated hardware and software solutions [10][19]. - The ongoing digital transformation is viewed as a continuous process rather than a one-time project, indicating a commitment to long-term development in the financial sector [10][19].

Here's a summary of the key points from the provided report, formatted as requested: Retail & Digital Business Group (R&D) - The Retail & Digital Business Group aims for double-digit ROE in the mid- to long-term by improving customer base and LTV (Life Time Value)[9] - The group aims to increase its customer share from 27% by expanding the Group customer base and improving multiple transaction usage rate[12] - MUFG launched a service brand "M-tto" to provide greater convenience and value to customers across different life stages[14] - The number of annual card issuance is expected to increase from 540,000 in FY24 to 1,000,000 in FY26[25] Commercial Banking & Wealth Management Business Group (CWM) - The Commercial Banking & Wealth Management Business Group targets approximately 15.5% ROE in FY26[50] - JPY deposit income increased from ¥30 billion in FY23 to ¥110 billion in FY24[52] - The group aims to increase the number of owner approach visits to 40,000 companies[52] - The group expects an increase of ¥7 billion in fee income from business strategy proposals[59] Japanese Corporate & Investment Banking Business Group (JCIB) - The Japanese Corporate & Investment Banking Business Group achieved the highest ROE of 14.5% and net operating profits of ¥559.7 billion in FY24 among all business groups[77] - The group aims to reduce equity holdings to ¥700 billion and less than 20% of total assets by the end of March 2027[86] - The group aims to increase non-recourse loan balance in the real estate field to 100 (FY24＝100) in FY26[89] Global Commercial Banking Business Group (GCB) - The Global Commercial Banking Business Group recorded an all-time high NOP in FY24[100] - Krungsri's domestic corporate loan increased by 5%[102, 105] - Bank Danamon's loan balance increased by ¥0.1 trillion[108] - The group aims to cover 1 in 4 of the ASEAN adult population with digital finance users in 10 years[131] Asset Management & Investor Services Business Group (AM/IS) - The Asset Management & Investor Services Business Group targets approximately 19% ROE in FY26[137] - The group aims to increase AuM to ¥200 trillion and AuA to ¥100 trillion by FY29[142]

Core Viewpoint - The International Organization for Standardization (ISO) has released a new standard (ISO 25556:2025) focusing on the digital economy from the perspective of an aging population, with China leading its development [1][3] Group 1: Standard Overview - The standard outlines basic principles and core elements for an age-inclusive digital economy, providing specific recommendations and application cases for high-frequency scenarios such as online shopping, digital banking, and smart transportation [1][2] - It aims to bridge the digital divide for the elderly by offering scientific solutions to enhance their participation in the digital economy [1][3] Group 2: Specific Recommendations - For online shopping, the standard suggests simplifying operational processes and implementing large fonts and high-contrast interfaces to assist elderly users [1] - In digital banking, it encourages features like voice guidance and quick access to customer service to facilitate transactions for older adults [1][2] Group 3: Broader Implications - The standard also addresses smart transportation by promoting features like one-click ride-hailing and trip-sharing with family to enhance safety and convenience for elderly users [2] - In smart community initiatives, it advocates for the integration of essential service information in an easily understandable format for older adults [2] Group 4: National Efforts and International Collaboration - The National Market Supervision Administration of China has established a joint working group to enhance standardization in the aging sector, resulting in over 240 national standards related to aging and accessibility [2][4] - China is actively promoting international recognition of its aging-related standards, aligning closely with those of developed countries like Japan and Germany, emphasizing accessibility and safety [4]

Core Viewpoint - The Spanish Prime Minister Sanchez stated that both the payment systems and digital banking are functioning normally [1] Group 1 - The current operational status of payment systems in Spain is stable and efficient [1] - Digital banking services in Spain are also reported to be running without issues [1]