Author(s)

Luo Haiying ¹

Affiliation(s)

¹ Zhanjiang University of Science and Technology, Zhanjiang, 524094, Guangdong, China

Corresponding Author

Luo Haiying

ABSTRACT

Against the backdrop of the deep integration of the digital economy and local regulatory policies, "AI + localization" has become a key path for enterprises to break through bottlenecks in their financial digital transformation and achieve dual goals of compliance and value. This article starts from the practical characteristics of "AI + localization" financial applications, analyzes the differences in their penetration rates across various industries and scenarios, and dissects the core value of their integrated application. However, the current "AI + localization" financial transformation is confronted with multiple predicaments.This paper proposes a systematic solution oriented towards local demands. It includes building a "hierarchical collaboration + dynamic iteration" technical system, creating a "standardization + compliance + assetization" data system, establishing a "university-enterprise-industry" three-in-one talent ecosystem, optimizing the low-cost policy adaptation mechanism, and reshaping the cross-departmental organizational collaboration mechanism. It aims to promote the leap of "AI + localization" financial transformation from the superficial functional implementation to the in-depth value release, providing practical references for enterprises to cope with local regulations and enhance financial efficiency.

KEYWORDS

AI + Localization; Financial Digital Transformation; Technical Adaptation; Data Governance; Compound Talent

CITE THIS PAPER

Luo Haiying, "AI + Localization": Application Research on Financial Digital Transformation. Information Systems and Economics (2025) Vol. 6: 1-9. DOI: http://dx.doi.org/10.23977/infse.2025.060301.

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