Core Viewpoint - Guangfa Bank is accelerating the digital transformation of its retail business, focusing on the dual integration of business data and data-driven business to enhance management, service, and marketing effectiveness, ensuring high-quality development of retail operations [1]. Group 1: Digital Transformation Initiatives - Guangfa Bank has launched the digital management platform "E Manager," which serves as a central hub for intelligent management and operations, supporting the bank's online and digital transformation [1]. - The "E Manager" platform helps client managers focus on customer service by accurately capturing marketing opportunities and linking various customer engagement channels such as WeChat and AI-driven outbound calls [1]. - The introduction of AI digital employees provides video introductions of financial products, offering a companion-like shopping experience for customers [1]. - The implementation of 5G messaging has led to an increase in customer SMS click-through rates and marketing conversion rates, earning the bank a second prize at the sixth "Bloom Cup" 5G Application Competition organized by the Ministry of Industry and Information Technology [1]. - A personalized recommendation system has been established to deeply explore customer needs, providing precise service recommendations and achieving "one-to-one" personalized service [1]. Group 2: Smart Brain Project - Guangfa Bank has achieved the first phase of the "Smart Brain" (Retail) project, which includes the establishment of 15 projects such as corporate WeChat, a unified marketing platform, and intelligent outbound calling robots, promoting standardization, systematization, and intelligence in various business operations [2]. - The "Smart Brain" project focuses on building a digital, intelligent service system centered around "data middle platform, algorithm-driven, intelligent decision-making, and precise outreach," enhancing customer insights, product operations, and targeted marketing [2]. - The project aims to connect various online and offline channels, including the app, corporate WeChat, AI intelligent outbound calls, and client managers, to provide 24/7 personalized products and services throughout the customer lifecycle [2].