Driven by the rapid advancement of big data,artificial intelligence,blockchain,and cloud computing,digital-intelligent technologies are increasingly integrated into the global financial system. These technologies not only enhance the efficiency and personalization of financial services,but also reshape the operational logic and architecture of financial institutions,while providing essential support for risk control,targeted policy implementation,and penetrative regulation. Against the backdrop of China's strategic goal of building the nation with a strong financial sector,how to fully harness the enabling role of digital-intelligent technologies in promoting high-quality financial development,has garnered growing attention from policymakers,market participants,and academia. This paper systematically reviews the key literature and recent progress across five core financial domains:currency,central banking,financial institutions,international financial centers,and financial regulation. It further proposes an analytical framework comprising three interrelated mechanisms:data-driven processes,algorithmic empowerment,and ecosystem restructuring. Within this framework,the paper identifies key technical challenges such as security and complexity,and presents emerging research directions and potential implementing pathways for advancing digital-intelligent transformation in finance. The paper also explores the unique opportunities and broad prospects of large language models in promoting applied innovation in financial services,shaping industry-wide standards,and achieving architectural breakthroughs in intelligent financial agents.
Chen et al. (Fri,) studied this question.
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