What is Digital Intelligence Finance?
Digital Intelligent finance is a new generation of financial services that uses digital technology as its core driving force. It employs technologies such as big data, artificial intelligence, blockchain, and cloud computing to comprehensively innovate and transform traditional financial business models, service methods, and risk management. At its core, it represents the deep integration of finance and technology, optimising resource allocation through the marketisation of data elements and technological applications to achieve full compatibility with the digital economy. The Central Financial Work Conference has clearly identified it as a key pillar in the construction of a "financial powerhouse".
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Digital Intelligence and Finance Innovation research refers to research activities within the digital intelligence finance domain that utilise technological innovation, business model innovation, and policy and governance innovation to drive the optimisation and upgrading of financial services, thereby better meeting the needs of socio-economic development. Digital finance innovation research plays a significant role in promoting the digital transformation of financial services, enhancing financial service efficiency, advancing financial inclusion, and supporting the development of the real economy. It not only helps enhance the competitiveness of financial institutions but also better meets the financial needs of businesses and individuals by optimising the supply of financial services.
About us
The China Academy of Sciences International Digital Intelligence and Finance Innovation Centre (CAS IDIFIC) was jointly initiated by the China Academy of Sciences Cloud Computing Research Institute and Shanghai CNBO Economic Development Co., Ltd., (CNBO) and co-founded with the Institute of Digital Finance Innovation, HorizenDigital Group, FreeFlow Finance, and AM DAO Limited.
CAS IDIFIC's development strictly adheres to the policy framework outlined in the "Action Plan for Promoting High-Quality Development of Digital Finance" jointly issued by the People's Bank of China and six other departments in November 2024. It aims to leverage the professional strengths of all parties in fields such as cloud computing, big data, artificial intelligence, blockchain, and fintech to advance innovative research and practical applications in the digital finance sector, explore cutting-edge areas of real-world assets (RWAs), and provide innovative impetus and practical pathways for the development of digital finance. Through technological innovation, scenario breakthroughs, standard-setting, and ecosystem construction, the objective is to establish a digital finance innovation hub with policy guidance, technological foresight, and industrial driving force. This initiative aims to facilitate the deep integration of the digital economy and finance, and promote high-quality industrial development.
Organization Structure
The Centre has a "dual-committee" governance structure with a "Strategic Committee" and a "Compliance and Risk Control Committee"consisting of the heads of digital transformation of financial institutions and experts from national research institutes to ensure two-way synergy between policy implementation and technological innovation.
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Under the Board of Directors, there is a Director of the Research Centre, who is responsible for the overall management and operation of the Research Centre. At the same time, a number of research centre co-directors are established for different functional sections, and each co-director is responsible for the daily operation and management of the functional sections, project coordination, external cooperation, publicity and promotion, etc., in order to minimize the operating costs.
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The Research Center has seven functional departments, including four laboratories (including Asset Digitization Laboratory, Smart Contract Laboratory, Cross-chain Interoperability Laboratory, and Regulatory Technology Laboratory) and three business centres (including Industry Cooperation Centre, Technology Export Centre, and Education and Training Centre). The heads of the seven functional departments correspond to the seven co-directors of the research centre.
According to the development needs, the research centre may set up several professional research teams, including but not limited to:
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Digital Intelligence Financial Technology Research Team: focusing on the research of the application of cloud computing, big data, artificial intelligence, blockchain, Internet of Things and other technologies in the financial field.
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Financial Business Innovation Research Team: exploring digital intelligence financial business model innovation, product innovation, service innovation, etc., such as digital currency, RWA, intelligent diagnosis and assessment of enterprise value, intelligent investment advisor, supply chain finance digitisation.
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Industrial Digital Finance Research Team: to study how to support the digital transformation of traditional industries, the development of digital industry clusters, and the digital financing of SMEs by means of digital intelligence finance.
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Policy and Regulation Research Team: focusing on digital finance policies and regulations, regulatory innovation, risk prevention and control, etc., and providing reference and suggestions for policy formulation.