China is comprehensively promoting the popularization and integration of artificial intelligence (AI) with unprecedented ambition and speed. According to directives from the State Council of China, the country plans to achieve a 70% penetration rate of AI technology in the coming years, enabling the Chinese people to use "next-generation intelligent terminals, intelligent agents, and other applications" by 2027. By 2030, the penetration rate is expected to reach 90%, and by 2035, there will be a complete transition to a "smart economy and smart society." This series of goals not only represents China's most ambitious AI objectives to date but also aims to "reshape production and lifestyle" and "achieve a revolutionary leap in productivity." Meanwhile, Ant International and Standard Chartered Bank announced a new collaboration to launch AI-driven treasury and foreign exchange management solutions, signaling an acceleration in the application of AI in the financial sector and igniting a new era of AI+Finance.

1. China's AI "Great Leap Forward": Ambitious Popularization Goals

Penetration Rate Goals: By 2027, the penetration rate of AI technology will reach 70%, by 2030 it will reach 90%, and by 2035 there will be a complete transition to a "smart economy and smart society."

Application Scenarios: There is a requirement to integrate artificial intelligence into technology, industry, consumption, governance, welfare, and international cooperation. Industrial applications include "smart agricultural machinery, agricultural drones, agricultural robots, and other smart agricultural equipment" in the agricultural sector, while the service industry must adopt "unmanned services" that operate alongside human workers.

AI Native Enterprises: The State Council directive calls for "cultivating AI native enterprises whose underlying architecture and operational logic are based on artificial intelligence" and encourages companies to incorporate AI into their strategic planning.

Internet of Everything: The policy also calls for promoting the "Internet of Everything" in smart terminals and product ecosystems.

2. China's AI "Chinese Speed": Far Exceeding Western Countries' Timelines

Chinese Speed: Achieving the 2027 goal means that 980 million Chinese citizens will regularly use AI devices or services. For reference, the penetration rate of smartphones in China reached 70% in 2018, eight years after the iPhone was launched in China. Beijing expects the penetration rate of AI to reach a similar level within the next three years.

Western Comparison: These goals far exceed the timelines of Western countries. The U.S. National AI Initiative Act does not have specific application requirements. The EU's AI Act focuses on risk management rather than deployment.

Existing Momentum: This positive timeline is built on the existing momentum of Chinese AI companies like DeepSeek, whose models have supported various applications, including surveillance systems in Shenzhen, voice control in Geely cars, and diagnostic tools in nearly 100 hospitals. After adopting DeepSeek's AI technology, the administrative approval time in Longgang District, Shenzhen, was reduced by 90%.

3. Ant International Partners with Standard Chartered Bank: Igniting a New Era of AI+Finance

Standard Chartered Bank and Ant International recently announced a new collaboration to launch AI-driven treasury and foreign exchange management solutions, deeply integrating AI technology into financial services.

AI-Driven Foreign Exchange Management: The solution integrates Ant International's Falcon foreign exchange forecasting model and Standard Chartered Bank's SCALE liquidity aggregation engine. The Falcon model, based on the Transformer architecture, has nearly 2 billion parameters and can predict a company's cash flow and foreign exchange exposure with hourly, daily, and weekly accuracy, achieving over 90% accuracy. Falcon is currently used to handle over 60% of Ant International's foreign exchange transactions, effectively reducing the foreign exchange costs for the company and its clients by up to 60% and cutting liquidity management costs by up to 50%.

Standard Chartered Bank's Solution: Standard Chartered Bank's SCALE is a highly flexible foreign exchange solution designed to provide its corporate and financial institution clients with guaranteed foreign exchange rate pricing products or services for receiving payments in multiple currencies around the clock. With Standard Chartered Bank's extensive network, SCALE provides clients with access to foreign exchange liquidity, reduces foreign exchange risk, and simplifies settlement processes, enabling seamless cross-border business flows.

Significance of the Collaboration: This collaboration will reduce foreign exchange costs for Ant International and its clients and enhance risk management. By integrating the Falcon and SCALE systems, Standard Chartered Bank can predict Ant International's foreign exchange risk exposure with over 90% accuracy, achieving real-time risk management around the clock and effectively lowering clients' foreign exchange hedging costs. Madhu Menon, Global Head of PrismFX Sales at Standard Chartered Bank, stated that this collaboration "provides a solution for global enterprises to innovatively manage and hedge foreign exchange risks and costs." Li Yue, General Manager of Ant International's Platform Technology, remarked that this collaboration "marks an important step for Ant International in developing next-generation cross-border payment solutions using technologies like AI."

4. China's Global AI Strategy: An International Public Good for Humanity

Helping Global South Countries: China's policy commits to "helping global South countries build AI capabilities" through open-source technology and computing resources, positioning Beijing as an alternative to the Western model.

International Public Good: The policy specifically mentions "viewing artificial intelligence as an international public good that benefits humanity."

5. Risks and Challenges: Model Opacity and Governance Framework

Risk Acknowledgment: The policy acknowledges risks such as "model opacity (black box), hallucinations, and algorithmic discrimination."

Governance Framework: The policy establishes a governance framework for "natural persons, digital persons, and intelligent robots," suggesting preparations for AI agents that require legal status.

Enforcement: The wording of the State Council leaves little room for interpretation: regions and departments "must closely align with actual conditions" and "ensure effective results."

Conclusion:

China's ambitious goal of achieving nationwide AI integration within ten years reflects its aspirations in the technology sector. This series of policies aims to reshape production and lifestyle, achieve a revolutionary leap in productivity, and promote the deep application of AI across various industries. The collaboration between Ant International and Standard Chartered Bank exemplifies the deep integration of AI in the financial sector. Despite facing risks such as model opacity, hallucinations, and algorithmic discrimination, China is committed to viewing AI as an international public good that benefits humanity through proactive governance frameworks and international cooperation, aiming for a global AI leadership position.

Related Reading: Hong Kong Media: Chinese Tech Companies May Collaborate with Hong Kong Digital Banks to Apply for Stablecoins

Original Article: “China Aims for Nationwide AI Integration Within 10 Years, Ant International is Taking the Lead”

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