当AI赋能千行百业，以科技驱动、服务小微的网商银行，也正积极运用这一新技术，为其战略蓝图勾 勒出持续迭代的新路径。今年9月，网商银行首次对外透露了其未来10年的"新310"目标——360度感知 用户，1对1专家服务，0延时实时交互，最终成为千万小微企业AI CFO。 从提供专业的金融产品与综合服务，成长为陪伴在客户身旁，实时解决用户痛点的金融顾问。"这一战 略的维度升级背后的根源在于当下AI技术的发展和应用已经到了一个临界点。"网商银行信息科技部总 经理马晓航表示："人工智能对物理世界的深度理解，以及生成能力、复杂的推理和规划能力和多模态 的融合和调度执行能力。带动AI的可用性、可靠性、成熟度，AI的强思维链能力，以及多模态、跨模 态甚至全模态的理解和生成能力相较此前都有了大幅提升。" 扩大到整个行业来看，马晓航认为人工智能的广泛应用，正在推动银行业从"数字银行"阶段迈向"AI银 行"时代。这并非简单的效率提升，而是一次深刻的范式革命，这将重塑银行的服务模式、运营内核、 风险逻辑乃至商业本质。AI将推动银行从"渠道"到"无处不在的智能伙伴"的转变，实现服务与交互重 构；从"经验驱动"到"数据智能驱动"的迭代， ...

Core Insights - The article discusses the evolution of Wangshang Bank from a digital bank to an AI bank, aiming to serve as the CFO for millions of small and micro enterprises in China [1][20] - The bank's new "310" service model emphasizes comprehensive understanding of clients, personalized expert services, and real-time interactions [7][20] Group 1: AI Integration - Wangshang Bank aims to leverage AI to address the daily operational needs of small and micro enterprises, enhancing loan stability, marketing precision, and investment returns [6][11] - The bank's AI CFO will provide comprehensive financial services, including operational advice, bill management, and assistance in bidding processes [11][20] Group 2: Customer Understanding - The new "310" model focuses on understanding customer needs through extensive data collection while adhering to privacy principles [9][7] - Wangshang Bank currently serves approximately 68 million small and micro clients, accounting for about one-third of such enterprises in China [10] Group 3: Technological Advancements - The bank employs a significant proportion of its workforce in technology roles, with around 67% of its 1,900 employees dedicated to tech [10] - Innovations include video-based due diligence to assess business conditions more effectively, enhancing the accuracy of loan assessments [14][16] Group 4: Future Outlook - Wangshang Bank's mission remains focused on technology-driven services for small and micro enterprises, expanding its offerings beyond loans to include payment, investment, and bill services [20] - The bank believes that AI will not create a zero-sum game in the banking sector, but rather enhance service efficiency across both large and small banks [18]

Core Viewpoint - The article discusses the evolution of Wangshang Bank from a digital bank to an AI bank, aiming to serve as a CFO for millions of small and micro enterprises in China, leveraging AI technology to enhance financial services and decision-making for these businesses [1][33]. Group 1: New Goals and Services - Wangshang Bank has set a new goal to become the CFO for ten million small and micro enterprises, emphasizing the importance of professional financial services beyond just providing financial products [1][4]. - The bank's new "310" service model focuses on providing comprehensive, personalized services to clients, ensuring a deep understanding of their needs and real-time interaction [8][7]. Group 2: AI Integration in Services - AI will be integrated into various aspects of banking services, including credit, marketing, and wealth management, addressing the real pain points and needs of small and micro enterprises [6][15]. - The AI CFO will offer services such as operational advice, bill management, and assistance in bidding processes, streamlining financial operations for small businesses [15][18]. Group 3: Customer Understanding and Data Security - Wangshang Bank emphasizes the importance of understanding customer needs while adhering to strict data privacy principles, ensuring minimal data collection based on customer consent [9][12]. - The bank has achieved international certifications for privacy protection and information security, reinforcing its commitment to data safety [9]. Group 4: Workforce and Technology - The bank currently serves 68 million small and micro customers, accounting for about one-third of such enterprises in China, with a workforce of approximately 1,900 employees, 67% of whom are in technology roles [11][12]. - The bank has developed a unique approach to credit approval by training AI models using expert insights, achieving a 90% consistency rate between human and machine assessments [21][22]. Group 5: Future Outlook and Industry Impact - Wangshang Bank believes that AI will not create a zero-sum game in the banking industry; instead, it will enhance service efficiency for both large and small banks, benefiting the entire sector [31]. - The bank's mission remains focused on technology-driven services for small and micro enterprises, adapting to changes in the business landscape while maintaining its core values [33].