2025-12-19
On November 13, 2025, during the Singapore Fintech Festival 2025 (SFF 2025), Cao Chong, CEO of Huawei's Digital Finance Corps, delivered a keynote speech titled "Beyond Digital: Towards AI Infused Finance", explaining Huawei's innovation in four dimensions: intelligent agent scenario applications, AI platforms, data and knowledge platforms, and infrastructure. He directly addressed the core pain points of AI application landing in the financial industry and used systematic engineering capabilities to help financial institutions accelerate their intelligent transformation.
Cao Chong said, "The essence of the intelligent era is the 'super personalized era'. The development of AI in the financial industry is entering a deep water zone, and its key lies in whether it can penetrate the core production processes and business scenarios and create actual business value. Financial institutions can only seize the competitive advantage of the next decade by driving structural changes throughout the entire process with AI. ”
In the past decade, financial digitization has broken through the limitations of time and space, but still follows the "80/20 rule", which means that 80% of resources are used to serve 20% of core users; In the next decade, AI will promote the popularization of the "one person, one team" model, and super AI assistants will become service entry points. Banks need to consider whether future products will be recommended to people or intelligent agents, and who can take the lead in completing this transformation will win the initiative. He emphasized that AI driven structural changes will cover the entire process, including financial service models, collaboration models, risk control decisions, and infrastructure.
Build a four layer systematic solution of "computing power platform engineering scene" to achieve full scene intelligence
Cao Chong pointed out that global financial institutions can promote AI native applications through two paths: large banks can build a global intelligent agent matrix to achieve "one position, one assistant, one customer, one confidant"; Small and medium-sized banks focus on single point breakthroughs in high-value scenarios such as credit, quickly deploy intelligent agents, and achieve process intelligence. At present, Huawei has implemented 500+AI scenarios in the global financial field, covering areas such as office, operations, marketing, risk control, and customer service, achieving from internal efficiency improvement to customer value-added, from single point scenarios to systematic comprehensive solutions.
Huawei builds a systematic solution of "computing power platform engineering scenario" with intelligent computing platform as the core. Building a leading computing power platform for high concurrency and low latency scenarios in AI inference; Further achieve AI oriented data governance across the entire domain through a unified knowledge and data platform, combining financial intelligent agent platforms with data engineering and model engineering practices to form an end-to-end AI capability loop. Joining hands with global ecological partners, unleashing the potential of full chain technology, and achieving rapid implementation of value scenarios.
In the intelligent scenario of mobile banking, Huawei and a large bank in China have jointly innovated. Based on intelligent computing infrastructure and AI platforms, a new generation of intelligent mobile service architecture has been constructed through master-slave intelligent agent collaboration mechanism, full cycle long memory storage, and full link performance optimization of software and hardware combination. The accuracy of intent recognition has exceeded 90%, and the latency is as low as 1.2 seconds, helping banks achieve a value transformation from passive response to active service.
Looking towards the future, Huawei will use its leading computing power platform, systematic AI engineering capabilities, systematic ecological construction, and a new model of co creation with customers and ecological partners to support interactive customer, risk control, and full process business reshaping, continuously deepening the value application of AI in the financial industry, and helping financial institutions accelerate the effective implementation of AI transformation.
Join hands with more Ronghai partners to accelerate overseas expansion, open up cooperation and jointly build a new financial AI ecosystem
On the first anniversary of the release of Huawei's "Ronghai Plan" for digital finance, we have partnered with Ronghai partners to achieve joint program cooperation in more than 20 countries, helping global financial customers build new cores, upgrade data platforms, and innovate AI.
During this event, Huawei partnered with three major Ronghai partners, Neuxnet, Speakly AI, and Tongdun, to sign strategic cooperation agreements with Saudi Atmaal; During this event, the members of Ronghai Partners have also been further expanded, including CMA, which provides stable payment services for central banks worldwide, Instadesk, which provides intelligent outbound call and marketing scenario capabilities, and MagicEngine, which provides model development, inference, and services for financial institutions. Three new members have joined Huawei's Ronghai program, and more and more high-quality financial partners are accelerating their deep cooperation with Huawei.
Cao Chong emphasized that Huawei aims to work with leading global partners to create "six types of capability aggregation" through the Ronghai Plan, and build an AI ecosystem along the financial production fluid system, covering model development, intelligent agent engineering, industry knowledge base, scenario applications, etc., to optimize the efficiency of AI scenario implementation through end-to-end software hardware collaboration.
In the process of transitioning from digitalization to digitization in the financial industry, Huawei will continue to deepen collaborative innovation with financial industry customers and partners, focus on the production process of financial business, continuously promote the construction of a systematic ecosystem, and help AI move from "technology empowerment" to "productivity qualitative change", achieving a new chapter in smart finance.