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Huawei Digital Finance's Showcase at SFF 2025

At the highly anticipated Singapore FinTech Festival 2025 (SFF 2025), Huawei's Digital Finance Unit made a significant impact with its forward-thinking vision for the future of finance. Jason Cao, the CEO of Huawei Digital Finance BU, delivered a compelling keynote titled 'Beyond Digital Towards AI-Infused Finance', which highlighted the company's innovative approach to tackling the pressing challenges of integrating artificial intelligence into financial services.

During his speech, Cao emphasized that the era of intelligence will be defined by hyper-personalization. According to him, AI in finance has reached a critical turning point, necessitating a deep integration with core production processes and business scenarios to create genuine business value. He articulated that financial institutions must leverage AI for structural transformations in their workflows to gain a competitive edge in the next decade.

For years, the digitalization of finance has helped eliminate barriers of time and distance, yet it has often operated under the principle of 80/20—where the majority of resources serviced a small, privileged segment of users. However, in the coming decade, the focus will shift to a model where ‘One Person, One Team’ becomes the norm. This shift empowers every individual through super-AI assistants acting as primary service portals, enhancing accessibility to the full potential of their teams.

Cao pointed out, “Future financial services will evolve from directly recommending products to individuals, to guiding them towards personalized super assistants.” He asserted that organizations that embrace this change and offer hyper-personalized services will secure a distinct advantage in the marketplace.

To construct a comprehensive four-layered system architecture for intelligence across all scenarios, Cao outlined two paths that global financial institutions can take to develop native AI applications. Larger institutions are creating a matrix of agents, assigning an AI assistant to each role, as well as a trusted AI advisor for every customer. In contrast, smaller and mid-sized entities focus on high-value scenarios, such as loans, deploying AI agents quickly to facilitate intelligent processes.

Thus far, Huawei has assisted global financial clients in deploying over 500 AI applications across areas such as operations, marketing, risk management, and customer service, driving internal efficiencies while delivering more value to end-users. With their intelligent computing platform at the heart of system solutions, Huawei integrates computational power with platforms, engineering, and scenarios. This foundation meets the high demands for concurrency and low-latency AI inference, forming a unified platform for data and knowledge management intertwined with financial agent platforms and engineering practices—establishing a complete end-to-end (E2E) AI capability loop.

Additionally, in the realm of intelligent mobile banking, Huawei collaborated with a leading Chinese bank to co-develop a new generation intelligent mobile service architecture. This architecture, built on intelligent computational infrastructure and AI platforms, employs a multi-agent collaborative approach and incorporates long-term memory and performance optimization. This pioneering effort achieved an impressive intention recognition accuracy exceeding 90% with response times as low as 1.2 seconds, facilitating a transition from reactive to proactive customer service.

Looking ahead, Huawei intends to continue prioritizing its superior computing platform, AI knowledge engineering resources, ecosystem development, and new co-creation models in partnership with clients. These initiatives will bolster customer engagement, enhance risk management, and accelerate E2E business transformations, embedding value-driven AI applications more deeply into the financial sector.

During the event, Huawei, together with three partners of RongHai—Neuxnet, Speakly AI, and TrustDecision—signed strategic cooperation agreements with leading Saudi financial institution Atmaal. The RongHai partnership network continues to expand with the addition of three new members, including CMA, Instadesk, and MagicEngine, enhancing Huawei’s global financial collaboration.

Through the RongHai initiative, Huawei aims to collaboratively create a 'six-class capability cluster' to systematically build an AI ecosystem throughout the financial production process. This encompasses model development, agent engineering, industry knowledge databases, and scenario applications while optimizing AI implementation efficiency via E2E hardware-software synergy.

As the financial industry transitions from digitization to digital transformation and intelligent evolution, Huawei remains committed to driving innovation in collaboration with customers and partners. By focusing on transforming workflow processes in finance and cultivating new ecosystems, these efforts will facilitate AI's emergence as a critical function, thereby significantly enhancing productivity and paving the way for a new chapter in intelligent finance.