As part of its 2026-2030 Five-Year Plan, ICBC aims to accelerate intelligent transformation by upgrading data infrastructure and knowledge bases, innovating financial AI agents, and expanding its smart banking ecosystem and computing capacity.

ABC is deploying AI tools to enhance data-driven decision-making, risk controls, and digital tools, aiming to integrate data from multiple sources for better service and efficiency.

Across the sector, Chinese financial institutions are embedding AI from front to back office, prioritizing data infrastructure, model deployment, risk management, customer experience, and platform consolidation as part of aggressive strategic overhauls.

CMB acknowledges the risks of large language models and outlines ongoing measures to ensure safe, reliable AI applications while continuing investments in 2026 to advance its intelligent bank goals.

Ping An emphasizes sustained investment in AI and technology as a strategic priority, with major platform upgrades planned in 2026 to improve customer experience and operational efficiency.

ICBC has deployed AI across more than 500 scenarios, including an intelligent pricing assistant in investment and trading that boosted automation to 96% and increased year-on-year transaction counts, along with an intelligent credit assistant for risk control.

ABC plans to intensify technology finance in 2026, using AI for risk management, early-warning systems, and AI-powered wealth management to strengthen its fintech capabilities.

CMB is accelerating toward an intelligent bank model, with 856 large-model deployment scenarios by end-2025 that replaced over 15.56 million hours of manual work and a 20% rise in average transaction volume per account thanks to AI assistants.

ICBC positions digital intelligence as a core transformation driver, upgrading Digital-ICBC to AI-ICBC and building a full-stack autonomous AI system with a domestically powered large-model elastic compute pool.

Ping An reinforces its AI focus through the AI in All initiative, aiming to overhaul five digital systems and consolidate apps under a single AI-driven entry point.