With the vigorous and healthy development of China’s new financial industry and the breakthrough development of artificial intelligence and robotics, the financial industry is constantly accelerating its own digital and intelligent transformation to enhance its core competitive advantage. The application and development of intelligent robots is not only an epitome of its development process, but also a top priority in promoting its transformation and upgrading. Based on the research and analysis of the core motivations of financial institutions to deploy intelligent robots, this paper comprehensively focuses on the differences in the development of intelligent robots at home and abroad, especially analyzing the application process of intelligent robots in Chinese financial institutions under the strong support of the Chinese government, deeply understands the application motivations behind it, and explores the significant roles and contributions of intelligent robots in reducing the operating costs of the financial industry, reducing operating risks, building intelligent integrated platforms, and forming new competitive advantages. Furthermore, it provides development suggestions focusing on different application motivations, and proposes to further deepen the integrated development of artificial intelligence and the financial industry through specific methods such as strengthening reasonable supervision and establishing a multi-level talent system, improve the operating efficiency and profitability of financial institutions, bring about a leap in product and service quality, promote the transformation and upgrading of the financial industry, and win broader prospects and development space.
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