The financial industry is accelerating into a new era of "large model-driven" development. Tencent Cloud recently released the "2025 Financial Industry Service Report" through its official WeChat account, revealing that it has successfully applied AI large models to over 100 real-world business scenarios in collaboration with leading financial institutions such as the Shanghai Stock Exchange, Shenzhen Stock Exchange, China Bank, Industrial and Commercial Bank of China, CICC, and Taiping Insurance Group. These applications cover core areas such as investment research, risk control, customer service, operations, and compliance.
From "Proof of Concept" to "Scale Implementation": Financial AI Enters Deep Water
The report shows that based on its self-developed HunYuan large model and industry-specific customization capabilities, Tencent Cloud has achieved three breakthroughs in financial vertical scenarios:
- Intelligent Investment Research: At institutions like CICC, large models can automatically analyze financial statements, news, and research reports, generating multi-dimensional investment insights and risk warnings, improving analysts' efficiency by more than 40%;
- Intelligent Risk Control: Banks such as ICBC and CCB use AI to monitor transaction behavior in real-time, identify abnormal patterns, and respond to fraud within seconds;
- Intelligent Customer Service and Marketing: Institutions like Taiping Insurance have deployed large model agents, supporting complex policy interpretations and personalized recommendations, increasing customer satisfaction by 25% and significantly optimizing labor costs;
- Compliance and Audit: The Shanghai and Shenzhen Stock Exchanges have piloted AI-assisted regulatory technology (RegTech), automatically comparing information disclosure documents and identifying potential violations.
“Financial-Grade” Large Models: Secure, Controllable, and Explainable
Tencent Cloud emphasizes that its financial large model strictly follows the principles of "security first, data isolation, and auditability of processes":
- Supports private deployment and dedicated model training, ensuring sensitive financial data remains within the domain;
- Provides model decision traceability and explanation capabilities, meeting the stringent regulatory requirements of the financial industry;
- Has passed multiple compliance certifications, including the third-level protection standard and financial cloud certification.
Ecological Collaboration: Building a “Joint Innovation Community” in Finance
In addition to technological output, Tencent Cloud is collaborating with financial institutions to establish joint laboratories and innovation centers. For example, it is working with the Shanghai Stock Exchange to explore "AI + Capital Market Regulation," and with CICC to build an "Intelligent Investment Research Platform," driving the evolution of technology from "point tools" to "systemic capabilities."
AIbase Observations: Behind the 100 Scenarios Lies a "Trust Revolution" in Financial Intelligence
The number of over 100 implementation scenarios reflects a fundamental shift in the financial industry's attitude toward AI — from "cautious observation" to "deep reliance." In the context of declining interest rates and intensified competition, AI has become a core engine for financial institutions to reduce costs, increase efficiency, and enhance service granularity.
Tencent Cloud, leveraging its integrated advantages of cloud, AI, and ecosystem, has fully penetrated major state-owned banks, stock exchanges, top securities firms, and insurance groups. Not only has it consolidated its leading position in the financial cloud market, but it has also redefined the new standard for "financial-grade large models": not the smartest model, but the most reliable, compliant, and integrable model in production systems.
