"The industry's attitude toward the technological wave has shifted from a 'whether to embrace' question to a 'how to embrace' question. The value of AI ultimately depends on business performance." A representative from a private bank, which successfully reversed last year's revenue growth without profit growth, told reporters that embedding AI technology into core business scenarios and truly improving efficiency are key for private banks to break away from traditional business models and achieve efficient customer acquisition. However, the implementation of AI technology still faces obstacles, with security, cost, and efficiency being the main concerns of banks. "In recent years, banks have generally faced the dilemma of tightening IT budgets, and the cost of building a complete intelligent system often reaches tens of millions of yuan," said the head of the technology department of a small and medium-sized bank. While free AI models can reduce banks' initial deployment costs, the subsequent investment in computing resources, continuous model training, and team talent development also represent significant expenses for some private banks.