金融AI論壇

HKEX and HKMA have launched a joint pilot to explore a new digital payment solution for After-Hours Trading (AHT) in the derivatives market, aiming to strengthen Hong Kong’s capital markets and meet rising demand for AHT. The panel will discuss how e-HKD—a wholesale CBDC operating 24/7—can enhance risk management in derivatives trading beyond regular banking hours.

Wealth management is shifting from static portfolios and periodic check-ins to continuous, AI-driven advice delivered at scale. This session explores what that shift actually means for clients and institutions, how much of the relationship can move to AI without losing trust, and what it takes for banks to deliver personalisation and value at a level clients now expect.

This panel discussion focuses on the next frontier of innovation in cross-border payments. The panel will discuss how the Global Cross-Border Digital Payments Alliance, LUN Partners and Onafriq as founding members, is fostering a next-generation global payment ecosystem under developments of AI and Stablecoin. Speakers will also exchange views on the practical applications of stablecoins in Africa, the role of Hong Kong as a connecting hub, and the future of China-Africa trade and investment connectivity.

When AI agents begin to discover, decide and transact, a brand-new economy emerges — the agentic economy. And no single player can build it alone. Join Bank of China (Hong Kong), together with Visa, China Mobile Hong Kong and OpenRice, for a cross-industry conversation on agentic commerce — exploring how agent-to-agent collaboration across banking, payments, connectivity and platforms is reshaping everyday spending, and building an ecosystem in which everyone wins.

Reaching the next wave of customers now runs through digital platforms, and increasingly through AI embedded in how those platforms are built and run, from onboarding and underwriting to personalisation at scale. This session explores what it actually takes to grow coverage in the years ahead: where AI moves the needle, where the hard problems still sit outside the algorithm, and what "reach" will mean for financial services' next chapter.

As AI agents move from providing advice to executing transactions, the definition of a "customer" is fundamentally changing. This panel explores the shift toward agentic commerce, where autonomous systems handle end-to-end purchasing on behalf of consumers. We discuss the infrastructure required to verify agent intent and manage delegated authority, ensuring that machine-initiated payments remain secure, authenticated, and verifiable in a 24/7 retail environment.

Bringing together the leaders of high-growth fintech unicorns, this session explores the complexities of scaling financial technology on a global stage. We discuss the strategies for navigating diverse regulatory environments, maintaining an innovation-led culture at scale, and the vision required to transform a successful startup into a dominant global financial brand.

High-speed interoperability has turned global retail transfers and payments into a near-instant utility. This session explores the technical orchestration required to synchronize digital wallets and domestic rails for seamless P2P and consumer transactions. We discuss the move toward high-velocity liquidity that allows users to move and spend value across the globe with total transparency and zero lag.

Advanced data integration is shifting SME finance from static credit checks to dynamic, real-time lending. This session explores how automated risk modeling and integrated trade platforms are streamlining capital access for smaller enterprises. We discuss how financial institutions are leveraging these tech stacks to provide flexible, high-velocity liquidity that keeps pace with the demands of modern global commerce.

Consumer credit has long relied on static scores that leave many creditworthy customers underserved. This session explores how institutions are rethinking the full credit journey, from who gets approved to the rewards and experience they receive, using new tools and data to make lending more personal, accessible and valuable at every stage.

On the one hand, the G20 roadmap has long highlighted the pain points of high cost, low efficiency, limited transparency and limited access in cross-border payments, and has called for joint efforts to address them. Digital currency projects led by central banks are widely regarded as one of the most promising options.On the other hand, the rise of new technologies is challenging how currencies and incumbent payment systems operate, making it necessary to rethink the roles of central banks and market participants. Against this backdrop, this panel—moderated by the Hong Kong Monetary Authority (HKMA)—brings together speakers from the Digital Currency Institute of the People’s Bank of China (PBoC) and several market players with deep expertise in digital innovation, e-CNY and related cross-border infrastructure, such as CBETS, to share perspectives from both the public and private sectors.