According to reports, with the intensive disclosure of 2025 annual financial statements, the "financial status" of domestic commercial banks in the field of digital finance has been officially revealed: the total investment in financial technology by 13 representative listed banks has exceeded 180 billion yuan.

Key Trends: From "Strategic Layout" to "Scaled Implementation"

Financial statements show that the digital transformation of the banking industry has moved beyond the stage of conceptual hype and entered a period of practical breakthroughs:

  • Steady Growth: Despite the volatile macroeconomic environment, major state-owned banks and joint-stock banks continue to maintain a steady growth trend in their financial technology investments.

  • Differentiated Approaches: Major state-owned banks focus on the self-controlled infrastructure, while joint-stock banks tend to prioritize flexible innovation in business scenarios.

  • Breakthrough with Large Models: The application of artificial intelligence large models has fully entered the stage of scaled implementation, no longer just "ornamental" projects in laboratories.

Practical Scenarios: How Are Large Models Reshaping Banks?

The implementation of financial large models is profoundly changing the operational logic of banks:

  1. Intelligent Risk Control: Large models are used to process unstructured data, enabling more accurate enterprise profiling and risk warnings.

  2. Efficiency Revolution: AI assistants are deeply integrated into investment research, financial analysis, and internal office processes, significantly reducing labor costs.

  3. Service Reach: Digital customer service representatives and personalized recommendation engines are transforming financial services from "one-size-fits-all" to "customized for each individual."

Industry Perspective: A New Battle Over Computing Power and Pricing

While banking giants are investing billions in infrastructure, the rules on the upstream computing power supply side are also changing. According to Sina Finance, due to the continuous shortage of computing power, AI giant Anthropic has already adjusted its pricing model.

In the future, enterprise customers will not only pay a fixed monthly fee but also need to pay extra based on the actual computing power they consume. This change indicates that the proportion of computing power costs in banks' financial technology expenditures will further increase.

Conclusion: Technology Investment Is the "Moat"

Behind the figure of 180 billion, there is the collective anxiety and ambition of financial giants about the future. When the application of large models shifts from "novelty" to "necessity," those who can more efficiently convert computing power into productivity will take the initiative in the second half of the competition in digital finance.