On December 10th, Postal Savings Bank of China held its 2025 Digital Finance Conference and Mobile Banking 11.0 Launch Event, themed "Opening the Digital Postal Savings i∞ Era." Postal Savings Bank President Liu Jianjun attended and delivered a speech, while Vice President Niu Xinzhuang launched the bank's "AI2ALL" digital ecosystem for the first time. This conference showcased Postal Savings Bank's achievements and future plans in the field of digital finance, demonstrating its firm commitment to empowering finance with technology and reshaping services with intelligence.
Upholding core values: Safeguarding the essence of finance with strategic resolve
Liu Jianjun pointed out that technology is changing the pace of progress, the depth of financial reform, and the breadth of service reach with unprecedented force. For the banking industry, technology has always been the primary productive force. Artificial intelligence is accelerating the deconstruction of traditional financial models, and entirely new service paradigms are emerging. Postal Savings Bank of China fulfills its financial mission in the new era, focusing on serving the real economy, continuously optimizing financial supply, reducing financing costs, and improving service experience, so that financial resources can be precisely channeled to all industries and households like digital information, creating value together with customers and partners.
In recent years, guided by its "Digital Postal Savings Bank" strategy, Postal Savings Bank of China has actively implemented the "Artificial Intelligence+" initiative, releasing its latest achievements to the outside world annually through the Digital Finance Conference. Currently, Postal Savings Bank of China has held the Digital Finance Conference for three consecutive years. From the initial strategic exploration of "Embracing the Digital Postal Savings Bank i Era" in 2023, to the initial practical implementation of "Writing the Digital Postal Savings Bank @i Era" in 2024, and now to this year's new journey of "Opening the Digital Postal Savings Bank i∞ Era," the development of Digital Postal Savings Bank has been consistent and continuously expanding. In technological iteration and service upgrades, it has always adhered to its original service mission of "finance for the people," its value pursuit of "inclusive finance," and its bottom-line thinking of "safety and controllability."
Expanding Capabilities Vertical Axis: Building the Foundation of Intelligence through Independent Innovation
On the vertical capability axis, Postal Savings Bank of China has strengthened its intelligent capabilities around data, computing power, and algorithms, upgrading AI capabilities from technical support to a core engine for business innovation. It is reported that Postal Savings Bank of China has won the first prize of the Financial Technology Development Award from the People's Bank of China for three consecutive years.
In terms of data, Postal Savings Bank of China has published the "China Postal Savings Bank Data Asset White Paper" annually since 2022, and has built a five-level dataset architecture covering "basic - industry - enterprise - field - scenario", constructing a full-domain data asset with Postal Savings Bank of China characteristics, and achieving a dual breakthrough in panoramic visualization of data assets and high-quality supply.
In terms of computing power, based on domestically produced chips with thousands of kilo-sized capacity, Postal Savings Bank of China has built an AI computing power resource pool, upgrading its intelligent computing power architecture from "single machine and single card" to "large-scale cluster". It has also launched the construction of the first domestic super-node intelligent computing cluster in the domestic financial industry, which has greatly improved the level of intelligent computing infrastructure.
In terms of algorithms, Postal Savings Bank of China adheres to a dual-track approach of "external introduction + independent cultivation." On the one hand, it actively introduces cutting-edge models in the industry, becoming the first state-owned bank to integrate Baidu's "Wenxin Yiyan," the first to establish a strategic partnership with Tsinghua Zhipu, and the first to deploy DeepSeek locally. On the other hand, it releases the independently controllable "Youzhi" large-scale model, creating a multi-domain, full-capability AI model matrix, and building a mature artificial intelligence capability system through a "selection, cultivation, retention, and application" model capability development path.
Niu Xinzhuang stated that "AI2ALL" is Postal Savings Bank's transformation of AI capabilities into an organically symbiotic digital ecosystem through infinite extension and a three-dimensional topology, elevating intelligent technology from single-point applications to a cohesive whole. The "2" in the "AI2ALL" digital ecosystem represents the horizontal and vertical axes extending from AI capabilities: one signifies "improving efficiency across all employees internally," and the other represents "achieving comprehensive external reach," also signifying the integration of AI capabilities into every aspect of service. Currently, Postal Savings Bank has proposed nearly 260 large-scale model application scenarios based on the "AI2ALL" digital ecosystem.
Connecting the horizontal axis of efficiency improvement: Reshaping organizational effectiveness with intelligent tools
Based on its vertical intelligence capabilities, Postal Savings Bank of China has extended its internal empowerment coordinates horizontally, covering all aspects of the "front-end + middle-end + back-end" process with intelligent tools, thereby achieving refined management of operations and a leap in organizational efficiency.
At the front end, Postal Savings Bank of China is enhancing its precision marketing capabilities through intelligent profiling. For example, its intelligent marketing tools have broken the banking industry's predicament of "broad-based marketing," transforming the crude approach of "one-size-fits-all" outreach into precise "personalized" services.
In the middle platform, Postal Savings Bank of China uses intelligent models to drive the synergistic improvement of risk control and business efficiency. For example, the intelligent loan review tool it has created effectively alleviates the contradiction between the large volume of credit review business and the scarcity of expert resources. It transforms the "expert experience" of credit review into the knowledge base on which the model reasoning is based, creating a new paradigm of "intelligent assistance + expert decision-making" and achieving an effective balance between business growth and risk management.
In the background, Postal Savings Bank of China uses intelligent analytics to drive the improvement of employees' professional capabilities. For example, it has created an intelligent data retrieval tool, which has solved the pain points of high technical barriers and lengthy processes in the traditional data retrieval model, transforming "professional data analysis" into "everyone can operate" intelligent dialogue.
Extending Services: Providing Smart Companionship to Warm Thousands of Households
As the number of customer touchpoints increases, each interaction must be more precise and better understand customer needs. Based on its vertical intelligence capabilities, Postal Savings Bank extends its external service coordinates vertically, integrating AI capabilities into all aspects of its "offline + remote + online" services, bringing customers a convenient, anytime, seamless, and intelligent companionship experience.
In terms of offline services, Postal Savings Bank of China has transformed its offline service processes through a human-machine collaboration model. For example, it launched the Cloud Counter service, creating a new human-machine integrated system with "process-as-response". Through "intensive remote face-to-face service", it breaks through the physical limitations of branches and deploys bank branch services to every branch without discrimination, displaying them on the small screen of the Cloud Counter.
In terms of remote services, Postal Savings Bank of China has upgraded the remote outreach experience with intelligent sensing. For example, it has launched intelligent outbound calling, creating a new dimension of customer insight with "outbound calling as sensing". It can respond to customer needs with a super-human voice within 1.8 seconds and provide a text response in less than half a second, while maintaining accurate dialogue logic.
In terms of online services, Postal Savings Bank of China (PSBC) is redefining financial services with AI. For example, the latest upgraded mobile banking version 11.0 uses AI to reshape interaction patterns, scenario linkages, and security protection. The AI-powered intelligent assistant and AI Q&A, piloted with select customers, enable "instant action" through conversational services; personalized homepage displays frequently used functions and intelligently presents pending tasks, achieving "seamless prediction." Simultaneously, PSBC pioneered a "family + bank" dual-protection mechanism among the six major banks. When the system identifies high-risk transactions, it intelligently calls the customer's "guardian," achieving a security upgrade from "single-point prevention" to "collaborative protection." In the latest "2025 Digital Banking Survey Report" released by the China Financial Certification Center (CFCA), PSBC's mobile banking version 11.0 ranked second in the industry in overall evaluation, and its user experience has ranked first for three consecutive years.
Looking to the future, Postal Savings Bank will always adhere to its original aspiration of "finance for the people", steadfastly promote the "digital Postal Savings" strategy, deepen the construction of the "AI2ALL" digital ecosystem, and transform technological power into perceptive and warm financial service touchpoints that reach thousands of industries and benefit thousands of households, working with customers, partners and society to create and share a better future in the digital age.
