1、AI bank white paperReconstructing the financial paradigm through intelligent agentsChinese path,global perspective and implementation roadmapAbstract03Executive summary041 Redefining AI banks Strategic upgrade from tools to ecosystem052 Development trends Integration and resonance of global vision a

2、nd Chinese practice073 EY*AI Bank Maturity Assessment Scheme194 Implementation roadmap Precision navigation based on maturity325 Conclusion Toward a people-centered intelligent financial future38Contents*Ernst&Young(China)Advisory Limited“Artificial intelligence is evolving from an efficiency-enhanc

3、ing tool to a core productive force driving a paradigm shift in the financial industry.This white paper proposes that the essence of an AI bank lies in using intelligent agents as foundational units and transforming business processes from human-driven to intelligent agent-collaboration-driven.EY Gr

4、eater China has developed a five-stage maturity assessment model that outlines a clear roadmap for Chinese financial institutions to progress from instrumental applications to ecological-level development.China is demonstrating an accelerated growth in this area,with its prudent and orderly policy e

5、nvironment and rich scenario-based practices providing a unique reference point for the global development of intelligent finance.AbstractThe financial industry is at the threshold of a century-old transformation.Artificial intelligence,particularly intelligent agent technology,is no longer a distan

6、t future concept but a present-day engine reshaping banks growth logic,risk frameworks and organizational models.The core insights of this white paper:Executive summaryWe believe digital technologies led by AI are reshaping both the structure and essence of financial services.This white paper aims t