北京商报讯（记者 刘四红）11月14日，在新加坡金融科技节上，蚂蚁集团董事长井贤栋表示，生成式 人工智能将拓宽金融服务的边界——未来每个人都将拥有专属AI理财助手，每个中小企业可以配备专 属CFO（首席财务官）。 井贤栋指出，金融服务是数据与语言双密集型行业，金融产品涉及大量抽象复杂概念，严重依赖语言定 义与沟通，因此生成式AI将全方位影响金融服务各领域，而非局限于单一环节。 以行业应用为例，他介绍许多公司已在风险管理、反欺诈和客户体验优化等方面部署AI技术。"未来人 类员工与AI智能体将协同工作，这将大幅提升金融机构服务效率，推动普惠金融深入发展。" 结合智能体经济趋势，井贤栋预测，支付智能体将迎来蓬勃增长。他认为，当前支付智能体已能协助完 成购买、预订及定金支付等操作。"但这只是开始，我们看到多智能体正协同执行更复杂的任务。智能 体经济发展需要新的分配机制，支付作为底层基础设施必须完善，才能支撑智能体协作网络高效运行， 因此支付智能体将进入快速发展阶段。" 在服务端，井贤栋认为，未来每个人都将拥有专属AI理财助手，这种全天候在线的AI智能体可以回答 问题、协助使用服务，并提供量身定制的个性化建议；同时，生 ...

Core Insights - The rise of artificial intelligence (AI) poses a fundamental challenge to the global banking industry, with potential annual profit pool shrinkage of up to $170 billion due to the migration of customer funds from low-interest accounts to higher-yield products [1][3] - AI-driven financial assistants are eroding the traditional banks' core profit source—net interest margin—by seamlessly transferring funds to better interest rate options, thus breaking the inertia that has historically protected banks [1][2] Group 1: Impact on Banking Profitability - The estimated outflow of retail deposits globally ranges from $2.1 trillion to $4.7 trillion, significantly impacting banks' liquidity management and profitability [1] - The projected annual profit reduction of approximately $170 billion is primarily due to a contraction in net interest income (NII) as banks may need to raise deposit rates to retain customers, increasing their funding costs [3] - Banks that heavily rely on retail deposits and are slow in digital transformation face the highest risks from this shift [3] Group 2: Strategic Responses for Banks - Banks must reassess their value propositions, moving beyond being mere storage institutions to developing competitive AI capabilities and personalized wealth management tools [4] - Diversification of revenue sources is essential, as reliance on interest margin income becomes increasingly vulnerable; banks should focus on wealth management, investment consulting, insurance, and payment services [4] - Investment in technology and talent is crucial for success in this transformation; banks that embrace AI and integrate it into their core operations will have a competitive edge, while those that delay may face marginalization [5]

Core Insights - The rise of artificial intelligence (AI) poses a fundamental challenge to the global banking industry, with potential annual profit pool shrinkage of up to $170 billion due to the migration of customer funds from low-interest accounts to higher-yield products [1][3] Group 1: Impact of AI on Customer Behavior - AI-driven financial assistants are breaking the inertia that has traditionally kept customers in low-yield accounts, enabling seamless fund transfers to higher interest savings accounts and investment tools [2] - The friction that has historically protected banks' low-cost deposits is evaporating, making price sensitivity the primary factor in customers' fund allocation decisions [2] Group 2: Profit Pool Disruption - The estimated annual profit reduction of approximately $170 billion for global banks is primarily due to a narrowing of net interest income (NII) as deposits flow out [3] - Banks may be forced to raise deposit product interest rates to retain customers, which would increase their funding costs, or they may turn to more expensive wholesale financing if they fail to retain deposits [3] Group 3: Strategic Responses for Banks - Banks must reassess their value propositions, moving beyond being mere deposit institutions to developing competitive AI capabilities and personalized wealth management tools [4] - Diversification of revenue sources is essential, as reliance on interest income becomes increasingly vulnerable; banks should focus on wealth management, investment consulting, insurance, and payment services [5] - Investment in technology and talent is crucial for success in this transformation, with banks needing to enhance their data analytics and AI capabilities while attracting top talent [5]

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, with projections indicating a compound annual growth rate (CAGR) of approximately 13.3%, expected to exceed 650 billion yuan by 2028 [1] - The report emphasizes the importance of a technology-driven financial value enhancement system, focusing on the "technology-industry-finance" cycle and the diversified application of data elements in financial business scenarios [1] Industry Overview - The domestic FinTech market is being propelled by the rapid development of the technology sector alongside the flourishing financial market [1] - The report highlights the ongoing digital transformation of financial institutions in China, particularly in the context of the "Financial Technology Development Plan (2022-2025)" [1] Evaluation Metrics - The evaluation model for FinTech service providers includes four core dimensions: industry depth, product and technology capabilities, service capabilities, and ecosystem capabilities [2] Top FinTech Service Providers - The "iResearch - Excellence" list includes the top 50 FinTech service providers in China, categorized into four types: comprehensive technology service providers, FinTech IT service providers, core technology application service providers, and financial business digital innovation service providers [5][7][8] Case Studies - SoftStone Technology focuses on integrating AI into financial services, offering a closed-loop service capability system that includes AI-driven applications in various areas such as intelligent marketing and risk control [10] - Chexiao Technology specializes in credit risk control, providing a comprehensive suite of platforms for automotive finance and risk management [14] - Zhongyi JinKe aims to create a full-scenario enterprise consumption management platform, addressing corporate spending needs through intelligent payment and expense management solutions [20] Technological Trends - The integration of cloud-native and AI-native technologies is becoming mainstream in the financial sector, with a focus on enhancing business value and operational efficiency [28][31] - The report discusses the importance of security in the context of new technologies, emphasizing the need for proactive security measures as the industry evolves [32] Future Directions - The financial technology market is expected to enter a dual development phase focusing on technological depth and value release, with an emphasis on compliance and security in data management [38] - The report suggests that the industry will increasingly rely on vertical industry models to achieve intelligent upgrades and enhance operational efficiency [43]

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, driven by technological innovation and policy support, with an expected compound annual growth rate (CAGR) of approximately 13.3%, reaching over 650 billion yuan by 2028 [1] Group 1: Industry Overview - The report emphasizes the construction of a technology-driven financial value enhancement system, focusing on a "technology-industry-finance" cycle [1] - The domestic FinTech market is thriving due to the rapid development of the technology sector and the flourishing financial market [1] Group 2: Evaluation Metrics - The evaluation model for FinTech service providers includes four core dimensions: industry depth, product and technology capability, service capability, and ecosystem capability [2] Group 3: Top Service Providers - The "iResearch - Excellence" list for 2025 includes the top 50 FinTech service providers, categorized into four types: comprehensive technology service providers, FinTech IT service providers, core technology application service providers, and digital innovation service providers [5] Group 4: Case Studies - Softstone Technology is leveraging GenAI to drive innovation in financial applications, focusing on AI-driven transformations in various financial processes [11] - Chexiao Technology specializes in credit risk control, providing a comprehensive suite of platforms for automotive finance and risk management [15][16] - China Mobile Financial Technology is developing a full-scenario enterprise consumption management platform, addressing corporate spending needs [22] Group 5: Trends and Future Directions - The integration of cloud-native and AI-native technologies is becoming mainstream in the financial sector, with a focus on enhancing business value and compliance [34][41] - The industry is moving towards a dual development phase of technology deepening and value release, emphasizing the importance of customized and scenario-based solutions [41]

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, with projections indicating a compound annual growth rate (CAGR) of approximately 13.3%, expected to exceed 650 billion yuan by 2028 [1] - The report emphasizes the importance of a technology-driven financial value enhancement system, focusing on the "technology-industry-finance" cycle and the diversified, compliant application of data elements in financial business scenarios [1] Industry Trends - The current core development trends in the domestic FinTech market include a focus on scenario finance and the integration of technology with business value, as financial institutions increasingly prioritize the contribution of technology to business outcomes [33] - The domestic market is entering a dual development phase characterized by deep technological cultivation and value release, with a growing emphasis on compliance technology [33] - The trend of domestic financial technology regulation is becoming clearer, leading to increased attention on compliance technology in the future [33] Notable Companies and Innovations - Softstone Technology is leveraging generative AI to drive innovation in financial technology applications, focusing on areas such as intelligent marketing and risk control [11][13] - Chexiao Technology specializes in credit risk control, offering a comprehensive suite of platforms for automotive finance and risk management [15][16] - China Mobile Financial Technology (Zhongyi Jinke) is developing a full-scenario enterprise consumption management platform, addressing various corporate spending needs [22] Product and Service Developments - The report highlights the emergence of AI-driven financial advisory tools that enhance traditional banking services, integrating features like intelligent marketing and customer service [13] - The development of large-scale financial risk control models capable of identifying customer identities and assessing credit risks is noted, achieving over 99% accuracy in production-level services [24] Future Outlook - The integration of financial cloud and core business middle platform systems is expected to provide comprehensive solutions for consumer credit in smart banking [19] - The application of vertical large models in financial scenarios is anticipated to facilitate a transition from basic digitalization to deep intelligent transformation within the industry [36]

Core Insights - The financial technology (FinTech) industry is experiencing significant growth, driven by technological innovation and policy support, with an expected compound annual growth rate (CAGR) of approximately 13.3%, reaching over 650 billion yuan by 2028 [1] Group 1: Industry Trends - The focus is on building a technology-driven financial value enhancement system, emphasizing the importance of data elements in diverse and compliant financial applications [1] - The integration of technology and finance is becoming increasingly important, with financial institutions prioritizing the contribution of technology to business value [33] - The domestic financial technology regulatory framework is becoming clearer, leading to increased attention on compliance technology [33] Group 2: Key Players and Innovations - iResearch has identified the top 50 outstanding financial technology service providers in China, categorized into four types: comprehensive technology service providers, FinTech IT service providers, core technology application service providers, and digital innovation service providers [5] - Softstone Technology is leveraging generative AI to drive innovation in financial technology applications, focusing on areas such as intelligent customer service and risk control [11][13] - CarX Technology specializes in credit risk control, offering a comprehensive suite of platforms for automotive finance, including AI-driven risk management solutions [15][16] Group 3: Technological Advancements - The integration of financial cloud and core business middle platform systems is providing smart banking solutions for consumer credit [19] - China Mobile Financial Technology is developing a comprehensive enterprise consumption management platform, addressing various corporate spending scenarios [22] - The development of large-scale financial risk control models is enhancing capabilities in customer identification and credit assessment, achieving over 99% accuracy in production-level services [24] Group 4: Future Directions - The industry is moving towards a dual development phase of technological deepening and value release, with a focus on customized and scenario-based product capabilities [33] - The application of large models in financial scenarios is expected to drive a shift from basic digitization to deep intelligence transformation, addressing challenges in data privacy and algorithm transparency [36]