To advance the construction of a "Digital and Intelligent Bank of Hangzhou" and promote deep integration of artificial intelligence with business management, Bank of Hangzhou Co.,Ltd. (600926) has leveraged AI large model technology as its core driving force. Focusing on the pain points across the entire financial planning and analysis workflow, the bank has built the MAST AI+ Intelligent Financial Assistant Platform for financial planning. Covering five core areas — business analysis, budget assessment, financial management, asset-liability management, and statistical reporting — the platform establishes a full-chain intelligent service system spanning "data acquisition, intelligent analysis, skill accumulation, and decision support." By creating value through data and driving decisions through intelligence, it injects new momentum into the bank's digital and intelligent transformation.
Breaking New Ground Through Digital-Intelligent Integration, Renewing Financial Planning Transformation
At present, commercial banks' financial planning operations are facing significant challenges in data resource integration and analytical efficiency improvement as digital transformation deepens. Under the traditional business analysis model, report preparation involves multi-step collaboration and multi-dimensional verification. How to further leverage large model technology to improve timeliness while ensuring data accuracy and security, and achieve more agile insight into operational risks, is a common optimization direction for the industry. Meanwhile, regarding collaborative innovation mechanisms between business and technology, how to more efficiently transform frontline business experts' practical experience and professional wisdom into replicable and scalable standardized capabilities, and promote rapid adoption and sharing of best practices across the entire bank, is also a key area requiring continued exploration and refinement.
To this end, the MAST AI+ platform emerged. With core design principles of "minimalist experience, zero-threshold construction, and ecosystem sharing," the platform breaks through the limitations of traditional single-function work assistants and natively integrates into employees' daily office and decision-making workflows. It customizes dedicated workspaces for different positions and can automatically understand and recognize complex financial terminology, making the intelligent assistant truly "understand financial planning, capable of analysis, and trustworthy."
Three Innovative Mechanisms Unleash Product Empowerment and Business Sharing Potential
The MAST AI+ platform has built solid business support through business model innovation, dual-platform capability synergy, and high-precision data governance:
1. "AI Marketplace" Mutual-Assistance Ecosystem Achieves Assetization and Bank-Wide Reuse of Business Experience. The platform reshapes the business application construction process, empowering grassroots business personnel with the ability to be "developers without any programming background," enabling zero-threshold self-building of dedicated intelligent skills. Currently, the platform fully covers five core financial planning domains: business analysis, budget assessment, financial management, asset-liability management, and statistical reporting. To avoid "information silos" and redundant construction, the platform innovatively introduces an "AI Marketplace" sharing mechanism. Quality skills built by business experts can be voluntarily listed after passing compliance review, and all bank employees can "install with one click" in the marketplace for plug-and-play use. At present, the platform has curated and listed over 30 high-frequency general-purpose skills and driven bank-wide business personnel to build over 400 business skills, forming a virtuous mutual-assistance ecosystem of "individual experience solidification — centralized capability listing — bank-wide one-click installation — cross-platform knowledge reuse." In practical application, the efficiency of related business investigation and material writing has increased by more than 80%.
2. Dual-Platform Intelligent Synergy Creates an Efficient and Unified Dispatch Hub. The platform deeply integrates the dual capabilities of "Hang Xiaozhu Claw" and "Kaiyang Agent" upward, forming a unified collaborative model of "lightweight skills for rapid response plus heavy tasks for deep攻坚." Hang Xiaozhu Claw focuses on daily quick conversations, data lookup, and flexible construction of individualized lightweight skills; Kaiyang Agent carries system-level tasks such as complex report writing, deep multi-dimensional attribution analysis, and automated rule verification. Through intelligent distribution and cross-system task decomposition, the platform achieves collaborative linkage and automatic error-correction closed loops across multiple systems. When facing cross-system comprehensive business analysis report generation, the manual writing time that originally required several days has been dramatically shortened to minutes.
3. High-Precision Data Semantic Foundation Ensures Compliant and Accurate Data Retrieval. To address the accuracy and security compliance issues of intelligent assistants in financial data retrieval scenarios, the platform has built a bank-wide unified data semantic platform and knowledge base, completing standardized governance and disambiguation of over 7,400 business indicators across all business lines. By designing an efficient execution chain of "intent understanding — table retrieval — routing strategy" and implementing table-level, row-level, and column-level fine-grained permission isolation controls, the platform has increased the accuracy of complex data queries from 70% to 90%, solidifying a precise and trustworthy data foundation while ensuring data security and compliance.
Deep Empowerment of Business Scenarios Sparks New Quality Productive Forces for Digital-Intelligent Transformation
Currently, the MAST AI+ platform has been widely deployed across Bank of Hangzhou Co.,Ltd. (600926)'s financial planning and related business lines, achieving remarkable business results with average monthly intelligent interactions exceeding 8,000. In specific business scenarios, the platform's empowerment value is significant:
Business Analysis and Morning/Evening Briefing Reports: Supports one-click automatic capture of the latest business data and generates multi-chart briefings by business dimension, improving report organization and writing efficiency by over 90%.
Financial Management and Expense Detail Analysis: For scenarios such as institutional expense expenditures, budget execution, and abnormal fluctuations, it can automatically drill down to multi-level expense details and original voucher data of institutions, quickly completing multi-dimensional expense attribution analysis and overspending risk alerts, comprehensively assisting financial control and precise decision-making.
Budget Assessment and Institutional KPI Analysis: Supports one-click drill-down from overall institutional assessment scores to specific assessment indicators, related accounts, and customer detail data, helping managers precisely identify performance weaknesses and growth breakthrough points, achieving full-chain causal attribution and comprehensively empowering grassroots institutions' business performance improvement.
Regulatory Reporting and Compliance Verification: Through pre-built regulatory rule skills, it achieves automatic comparison and anomaly alerts for reported data, completely eliminating tedious manual filing and significantly improving the quality and timeliness of statistical reporting.
From "people finding data" to "data finding people," and from "experience-based decisions" to "data-intelligence-driven decisions," the MAST AI+ platform powerfully drives the transformation of financial planning work models. This MAST AI+ platform construction represents a deep implementation of Bank of Hangzhou Co.,Ltd. (600926)'s "Digital and Intelligent Bank of Hangzhou" strategy in the financial planning domain. In the future, MAST will continue to deepen its efforts and move toward new horizons. On one hand, the platform will further expand scenario coverage, continuously promote skill sharing and knowledge accumulation, and make the data foundation a shared infrastructure for bank-wide business management, empowering the bank's digital-intelligent transformation and high-quality development through the power of AI.