In the digital era, the financial industry will return to the origin of service, and operational capability becomes the bank's most precious core competitiveness. The banking industry will abandon the product- and process-centered operating system, transform into a customer-centered, data-analysis-based model combining internal and external, and tightly link the bank with users.

Bank accounts are no longer just payment tools, but transform into smart wealth-management and budgeting tools embedded in customers' lives; centered on customer big data and empowered by AI, they respond to needs in real time. AI wealth advisors can elevate daily banking relationships into higher-stickiness services based on customer behavior.

Through aggregation and analysis of massive unstructured data, mining customers' social, transaction, and consumption information, banks grasp customers' habits, making big data risk control more reliable. The data middle-platform approach avoids the problem that, due to information asymmetry, SME information cannot be converted into structured data, leading to unacceptable credit problems. Through big data storage, data theme construction, and heterogeneous data source correlation analysis, data sharing and connectivity are realized, effectively linking information, data, and credit, thereby promoting inclusive finance and easing enterprises' financing difficulties.