Former Vice Chairman of the China Banking and Insurance Regulatory Commission, Liang Tao: The integration and development of digital finance and pension finance face multiple challenges, and it is recommended to develop customized products based on data analysis.

Liang Tao, former vice chairman of the China Banking and Insurance Regulatory Commission, stated this afternoon at the "2025 Smart Expo Digital Industry Ecological Conference" that in the context of artificial intelligence, the integrated development of digital finance and pension finance faces challenges such as the digital divide among the elderly, data security and privacy protection, and compatibility of technological iterations. Liang Tao suggested promoting digitalized pension financial products and innovation, including the development of customized products. This involves providing personalized product recommendations and customized services based on data analysis results, according to the specific needs and preferences of each elderly person. For example, designing health insurance products for elderly people with specific diseases or providing customized investment products for elderly people who hope to obtain stable income through investment.