Jing Xiandong: In the future, AI agents will be customer-oriented, and artificial intelligence and blockchain will reshape financial services

BlockBeats News, November 3rd, Ant Group Chairman Eric Jing 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 industry, where services of financial products are actually abstract, complex, and credit-based, heavily relying on language description for communication and delivery. This phenomenon covers various areas in the financial field from backend to client-facing interfaces. Therefore, I anticipate that it may be necessary to assign a dedicated account manager to each customer, with this manager being taken over by an AI agent to answer questions, solve problems, and provide users with personalized and cost-effective advice. This is actually a multi-agent system, an agenda system. This is a short-term change in the financial field that we can expect, driven by AI technology.

Furthermore, tokenization driven by blockchain technology can transform various assets into on-chain tokens, allowing assets to be traded very transparently and credibly across institutions and markets. We can expect a new payment area that truly achieves real-time global payments, which will benefit global trade and improve settlement efficiency. This change will bring more regulated innovative sectors and more regulatory bodies involved, shifting transactions on the blockchain from speculation to value exchange. The transformation of financial services will be driven by blockchain.