Jing Xian Dong: In the future, AI agents will be customer-oriented, and artificial intelligence and Blockchain will reshape Financial Service.

On November 3, Ant Group's Chairman Jing Xiandong stated at Hong Kong Fintechweek 2025 that artificial intelligence and blockchain will reshape financial services. The financial services industry is a data-rich and language-intensive sector, where the service of financial products is actually abstract, complex, and credit-based, severely relying on linguistic descriptions for communication and transmission. This phenomenon covers all aspects of the financial field from back-end to customer-facing interfaces. Therefore, I anticipate that it may be necessary to equip each customer with a dedicated account manager, who will be represented by AI to answer questions, resolve issues, and provide users with personalized and cost-effective advice. This is essentially a multi-agent system, an agenda system. This is a short-term change we can expect in the financial field driven by AI technology. Additionally, tokenization powered by blockchain technology can convert various assets into on-chain tokens, enabling assets to be traded very transparently and credibly across institutions and markets. We can look forward to a new payment area that truly achieves real-time global payments, which will benefit global trade and enhance settlement efficiency. This change will bring about more regulated innovative sectors and greater involvement from regulatory bodies, as transactions on the blockchain begin to shift from speculation to value exchange, with changes in financial services being driven by blockchain.