FMCG Consumption Economy The digital economy has risen as a national strategy, especially with generative AI sweeping the world in 2023, and the financial industry in the era of digital economy is facing unprecedented opportunities. In the long history of the galaxy, the financial industry has always been at the forefront of digital technology innovation. As a data-intensive industry, it is natural to be the first to appreciate the value brought by large models.
With the arrival of the Oppenheimer moment of AI, how to seize the window of the era of technological change has become a compulsory course for all financial institutions.
The digital and intelligent transformation of financial institutions, the technical path of digital finance, the innovation of the platform economy, and the supervision and governance of digital finance are all among them.
In 2022, Beijing Business Daily released a report on financial digitalization. Without turning around, large models were born, and financial digital intelligence quickly changed from a long-term vision to a near-term vision. From digitalization to digital intelligence, the difference between one word and the leap of one word.
From an economic point of view, the digitalization of the entire financial industry is not at a uniform paceFrom a technical point of view, the emergence of catalysts will accelerate the industry's transformation from digitalization to digital intelligence, and become a springboard for the transformation of the industry from near to far, from the surface to the inside.
Compared with technologies such as the metaverse and blockchain, large models have been the most intuitive catalyst for the impact on the financial industry for many years, and their biggest advantage lies in the process of enhancing learning Xi.
In the financial scenario, the creativity brought by this advantage goes beyond the mechanical nature of the past digitalization and penetrates into the vertical field, which means a change in production mode and operational efficiency.
The reason why the financial model is called "spire technology" lies not only in technology and compliance, but also in the accumulation of massive data and strong domain experience.
The scenarios of customer service and risk monitoring that banks are most concerned about, and the intelligent decision-making scenarios that brokerages value the most, happen to be the areas in which discriminative AI and generative AI are each good at.
In the past six months, all major Internet companies have entered the market, and banks, securities companies and other financial institutions have also come down.
The gale rises at the end of the green ping, and the huge waves become between the waves.
With the continuous acceleration of the layout of the artificial intelligence industry in various places, the application of artificial intelligence represented by large models has come and gone, and has gradually become a key element in the competition for the new track of the industry.
The core of financial digital intelligence is, on the one hand, to stimulate the innovative value of data elements, and at the same time to ensure data security and protect the privacy of market entities in the process of using data.
With the in-depth application of financial models, digital intelligence means how to safely "protect data" and "use data" intelligently after "data collection" and "data storage", and the resulting digital divide, privacy boundaries, technological exclusion, algorithmic discrimination and other scientific and technological governance ethics have attracted the attention of regulatory authorities.
In order to adapt to the development trend of digital and intelligent financial transformation, policies must keep pace with the times. Financial institutions also need to communicate with the regulatory authorities in a timely manner and provide smooth information, jointly promote the construction of relevant mechanisms, focus on solving the imbalance and inadequacy of the development of financial technology, and promote the deep integration of finance and technology under the premise of security and compliance.
In the future, from the consumer Internet to the Internet of Things, the first chain and the industrial Internet, there will be more breakthroughs in digital finance. Digitalization and intelligence are injected into the whole process of financial services, and data thinking runs through the whole chain of business operations, which will promote the overall level and core competitiveness of China's financial technology to achieve leapfrog improvement.
What can the financial industry see in the era of AI with a tight gaze?
Everything that should be digitized will be digitized. Everything that should be intelligent will be intelligent. From digitalization to digital intelligence, building a data-centric modern financial service system is the requirement of the digital economy for the financial industry.
Beijing Business Daily commentator Tao Feng