（来源：广州金融） 01 02 洞察趋势： 在不确定性中，以科技驱动金融韧性 梁晓文指出，银行业正身处一个充满不确定性的宏观环境中。在此背景下，加速数字化转型已成为行业发展的重中之重。"客户对金融服务效率和灵活性 的要求持续提升。"她透露，渣打正大量投资于人工智能、数字资产等先进技术，并在广州建立集团级的人工智能技术研发中心，旨在优化运营与提升体 验。 与此同时，金融科技正重塑银行的业务边界。渣打积极与全球及中国头部科技公司建立合作，其目标是更好地支持出海的中资企业，实现高效的全球司库 管理，平衡本土化需求与集团管控。 应对需求： 从企业"出海通"到个人"湾区生活" 客户需求的变化同样显著。一方面，中国企业加速出海，期望在海外获得高质量的银行服务；另一方面，中国居民对资产多元化和全球配置的需求也在加 速增长。 对此，渣打推出了针对性的解决方案。例如，升级发布中小企业 "出海通" ，以更智能的服务模式，解决跨境结算、融资、汇率风险等痛点。同时，推出 "GBA Affluence会员计划" ，以湾区生活为纽带，联动内外部资源，为客户提供跨越金融、商业与生活体验的多维度赋能。 03 重塑角色： 在激烈竞争中，充当" ...

Core Insights - The article discusses the evolving landscape of cross-border financial services in the Guangdong-Hong Kong-Macao Greater Bay Area, highlighting the increasing demand from entrepreneurs for global account management and diversified investment opportunities [1][2][4]. Group 1: Cross-Border Financial Services - Over 90% of entrepreneurs in the Greater Bay Area hold international accounts, with 81% of those without accounts planning to open one within a year, indicating a trend towards global asset allocation [4][5]. - Hong Kong remains the preferred choice for international banking services, benefiting from its status as a financial hub with advantages such as being a free port for capital, an offshore RMB center, and a robust legal system [4][5]. - The demand for integrated financial services is rising, with nearly half of the respondents considering one-stop services that combine retail banking, insurance, and investment as "very important" [5][7]. Group 2: Wealth Management Trends - A significant portion of entrepreneurs (35%) are already operating in international markets, while 49% plan to expand internationally within the next 6-12 months, with over 80% of Chinese entrepreneurs reinvesting more than 10% of their annual income across borders [6][7]. - The need for professional wealth management and investment teams is increasingly recognized, with over 20% of respondents indicating limited investment product offerings and a lack of professional support [5][6]. Group 3: Digital and Personalized Banking - The survey reveals a dual preference for digital convenience and personalized service, with 67% of respondents visiting their international bank locations more than twice a year, while 50% prioritize online banking ease [5][6]. - Standard Chartered Bank has introduced the "GBA Affluence Membership Program," which integrates financial services with lifestyle offerings, enhancing the overall customer experience [9][10]. Group 4: Future Directions - The bank aims to bridge the gap between corporate and personal financial services, launching the "Enterprise Outbound Steward" service to provide tailored solutions for both business and personal needs [7][9]. - The article emphasizes the importance of a collaborative approach in the evolving financial landscape, with Standard Chartered Bank committed to supporting entrepreneurs in navigating cross-border wealth opportunities [11].