1. Open Banking
   1. Open Platform
   2. Open Collaboration
   3. Open Innovation
2. Tech-driven Innovation
   1. AI
      1. 替換體力勞動Replace manual works
      2. 反欺詐Anti-fraud
      3. Example Modules
      4. eKYC
      5. 聊天機器人Chatbot
   2. Blockchain
      1. 分佈式帳本Distributed ledger
      2. 證據保全Evidence-preservation
      3. 智能合約Smart contract
      4. 自動對帳Auto-reconciliation(Module)
   3. Cloud Computing
      1. 雲端擴展Over-the-cloud scalability
      2. 成本控制Cost control
      3. API/SDK-enabled services(Module)
   4. Big Data
      1. 風險管理Risk management
      2. 精準營銷Precision marketing
      3. 風險建模Risk modeling(Module)
3. Showcase
   1. Smart Retail
   2. Wechedai AtuoLoan
   3. 通過開放平台上的API，SDK或H5提供銀行服務，業務合作夥伴可以在該平台上連接金融服務
4. Open Source Platform
   1. 金融區塊鏈（FISCO）
   2. 開放式創新通過開放式SDK，IP授權和金融技術參考實現賦予合作夥伴創新能力，從而降低了協作的入門成本
   3. 由金融銀行與其他金融機構和技術公司共同創立的深圳金融區塊鏈財團（FISCO）及其產品FISCO BCOS，由FISCO的開源工作團隊開發
   4. 金融行業中的付款，分類賬對賬，結算和清算，證券化，供應鏈金融，信用檢查和場外交易市場等不同業務領域出現了許多應用程序，數字託管，文化版權，娛樂等金融行業以外的領域也出現了這些應用程序遊戲，社會管理
5. Open Collaboration
   1. 開放式協作
   2. 開放式協作是基於協作業務的概念來形成業務聯盟模型。在這種模式下，銀行和其他參與者共同努力，以他們的專業知識相互補充，以形成協作業務的生態系統，最終使參與者的成本最小化並實現利潤最大化
6. AI Ecosystem
   1. Industrial Applications
      1. Credit / Insurance / Supervision / Retail and others
      2. Secure data cooperation
      3. Fair cooperative model
      4. Immediate results
   2. Efficient Modeling Tools
      1. Quick ML
      2. Seamless knowledge transfer
      3. Coherent tools integration
      4. Extension not required
   3. Data Learning
      1. Federated learning
      2. Security: no data leak
      3. Consistency: consistent model quality
      4. Equality: mutual benefits
   4. human-computer interaction
      1. Natural Language Processing Engine
         1. Conversational system, conversational learning
      2. Speech Engine
         1. ASR / TTS / voiceprint / speaker
      3. Online Identity Verification
         1. Image / face / live body / OCR / dactylology / 3D
   5. Use Cases
      1. KYC for Account Opening
         1. OCR / face / live body / voiceprint / ASR / speaker /conversational system / dactylology
      2. Customer Service System
         1. ASR / conversational system
      3. Quality Inspection System
         1. Conversational learning / image / OCR
   6. AI Marketing
      1. Bank-oriented Programmatic Advertising
         1. Transfer learning for long-chain optimization
         2. Federated Advertising for advertiser data protection
         3. AutoOPs for budget pacing, trageting, pricing
         4. Data Management Platform
      2. Federated Recommendation
         1. Personalized Recommendation
         2. Relational Recommendation
         3. HOT Recommendation
         4. Operation Platform
      3. Creative Optimization
         1. Editing Tool
         2. Real-time Reports
         3. Size Matching
         4. Cross-site Tool
   7. AI Asset Management
      1. Alternative Data Analytics
         1. Transform massive alternative data (satellite imagery, IoT data, social media data, etc.) into actionable insight
      2. Pioneering Investment Research
         1. Monitor and forecast economic system in a real-time, independent, efficient fashion to deliver investment signals such as ESG index
      3. Leading Interactive Finance
         1. Visualize unstructure alternative data and identify financial risks by leveraging knowledge graph