当毕马威金融科技十周年的时间刻度与国家"五篇大文章"的政策蓝图精准重叠，中国金融科技行业正告别规模扩张的上半场， 迈入以价值深耕为核心的全新阶段。这场由顶层设计引领的行业变革，既重塑了发展逻辑，也催生了从"技术赋能"到"价值共 建"的深层转型。今天，我们邀请到毕马威金融科技合伙人葛明一先生、来也科技南区BU总经理兼增长战略高级副总裁郑敏先 生，与大家共同解读政策指引下的金融科技行业变革与企业实践。 毕马威中国金融科技合伙人 葛明一 来也科技增长战略高级副总裁南区BU总经理 郑敏 如果说政策是行业变革的"指南针"，那么企业的战略调整就是价值落地的"施工图"。作为五次上榜毕马威中国金融科技企业双 50榜单的行业标杆，来也科技的转型实践极具参考意义。 "来也科技响应国家金融'五篇大文章'的战略号召，用智能体技术推动金融行业高质量发展。"郑敏介绍，公司已将金融科技确立 为核心发展方向，聚焦智能化、合规化和开放生态三大主题，通过与监管政策的动态对齐，确保业务创新始终与国家金融政策 同频共振。 在业务层面，来也科技对核心产品进行了系统性优化，将智能自动化、风险管控、数据合规等关键能力深度融入金融服务全流 程。这一战略调整 ...

Core Viewpoint - Dubai Free Trade Zone continues to be the preferred platform for global entrepreneurs and investors, showcasing significant growth potential across various sectors by 2025, particularly in fintech, e-commerce, logistics, consulting, and manufacturing [2]. Group 1: E-commerce - E-commerce is one of the fastest-growing industries in the Dubai Free Trade Zone, driven by increasing consumer demand in the Middle East and a surge in online shopping [3]. - Dubai's strategic geographical location connects Asia, Europe, and Africa, enabling businesses to efficiently reach global consumers [3]. - The Free Trade Zone contributes over 60% of the UAE's total goods export volume, establishing itself as a crucial gateway for online retailers expanding globally [3]. Group 2: Logistics - Dubai has established itself as a global logistics hub, with the Free Trade Zone playing a vital role in this expansion [4]. - The UAE's non-oil trade has surpassed $272 billion, with significant contributions from the Free Trade Zone [4]. - The logistics sector is expected to see further growth by 2026, driven by rising demand for last-mile delivery and advanced warehousing solutions [4]. Group 3: Fintech and Artificial Intelligence - Fintech and AI are at the forefront of redefining the future of business in Dubai, with the fastest growth anticipated by 2025 due to government-driven digitalization and AI transformation policies [5]. - The Free Trade Zone provides innovative infrastructure and regulatory frameworks to support the development of blockchain, smart contracts, and AI financial services [5]. - The industry is expected to experience explosive growth in the coming years as digital payments and smart automation become mainstream [5]. Group 4: Consulting Services - There is an exponential increase in demand for consulting services, including management consulting, IT advisory, and market strategy support [6]. - Consulting firms in the Dubai Free Trade Zone offer comprehensive support for local market entry, compliance guidance, and digital transformation [6]. - Tax incentives and streamlined registration processes attract more international consulting firms to the region, catering to the growing business ecosystem in the UAE [6]. Group 5: Manufacturing - The manufacturing sector within the Free Trade Zone is evolving from traditional heavy industries to high-tech, light industries, and precision manufacturing [7]. - The Dubai government actively promotes economic diversification, providing advanced prototyping and small-batch production facilities [7]. - Proximity to ports and airports enhances the attractiveness of manufacturing firms by facilitating efficient global product exports [8]. Group 6: Advantages of the Free Trade Zone - The Dubai Free Trade Zone offers tailored advantages for rapidly growing industries, enabling businesses to establish quickly, operate stably, and expand globally [9]. - The Free Trade Zone is adapting to global business trends by deploying virtual offices, cloud licensing management, and electronic signature services to support entrepreneurs [9]. - Initiatives to promote green manufacturing and the adoption of energy-efficient equipment are also being implemented to drive sustainable transformation [9]. Group 7: IFZA Support - IFZA supports various industries, including e-commerce, fintech, consulting, logistics, and manufacturing, by providing diverse license types, remote registration, and business expansion support [10]. - The Free Trade Zone is committed to helping businesses enter the Dubai market efficiently and cost-effectively, regardless of their industry [10].