AI Revolution in Finance: Speed, Efficiency, and Inclusion

At the 2025 Hong Kong FinTech Week, industry leaders gathered to discuss the seismic shifts caused by artificial intelligence in financial services. Among the prominent speakers was Zhu Guang, CEO of Du Xiaoman, who detailed how large language models (LLMs) are redefining the sector.

Customer-Centric Transformation

Zhu highlighted that AI enables companies to move from monthly surveys to real-time customer insights. Du Xiaoman now processes 60,000-70,000 daily interactions, extracting actionable feedback instantly. "Large models bring every employee closer to the customer," Zhu noted, emphasizing a shift toward truly personalized service.

Credit Decisions in Seconds

One standout application is in credit approvals. By mimicking top human reviewers, AI assistants have slashed processing time from 10 minutes to just 30 seconds. Remarkably, this efficiency gain comes with a >50% reduction in risk indicators—a rare combination of speed and safety.

Breaking Barriers in Financial Inclusion

The CEO stressed AI's role in democratizing finance:

• Customized advice for all income levels
• Small business owners gain access to tailored products
• Young professionals receive sophisticated planning tools "High-quality services are no longer exclusive," Zhu declared.

The Web3 Future: Multiple AI Assistants Per User

Lin Chen, Deputy Vice Chancellor of HKU, envisioned a next-phase evolution where each individual interacts with multiple specialized financial AIs. These assistants would collaborate via smart contracts, automating complex transactions while maintaining personalization.

Key Points:

• ⚡ 30-second credit approvals with improved accuracy
• 📊 60K+ daily interactions analyzed for real-time insights
• 💡 >50% risk reduction alongside efficiency gains
• 🌍 Inclusive finance through scalable AI advisory
• 🔮 Web3 integration enabling multi-assistant ecosystems