The various banking regulations that have been implemented for years continue to unfold in order to ensure the protection of clients’ assets and the supervision of the financial ecosystem. In China, beyond foundational domestic regulations (CBRC guidelines, China's Basel III implementation), the financial industry is intensifying its focus on cybersecurity, operational resilience, green finance and ESG integration.

In a post-pandemic era, the quality of digital banking services has become a defining competitive advantage in the industry. Thanks to user-friendly platforms, customer-centric features & intelligent automation solutions powered by AI and machine learning— core customer demands, such as speed, accessibility, secure transactions, and customer rewards are being met. While most financial structures have managed to adapt to and satisfy these very demands, technological challenges to overcome remain:  

New technologies such as Big Data, Artificial Intelligence and Blockchain represent a major opportunity for banks: predictive marketing solutions that build customer loyalty, productivity gains with the implementation of robots, use of Blockchain to secure transactions… A prominent example of industry-wide technological collaboration within China is the development and active exploration of the Digital Yuan (e-CNY), the central bank digital currency. This large-scale, real-world initiative involves collaboration between the central bank, commercial banks, and fintech companies, serving as a testbed for blockchain-related infrastructure and driving innovation in digital payments and financial infrastructure.