国泰金控迈入「智能体优先」新阶段：2026国泰金控技术年会近7000人报名，推出「AI数字同事」试点，聚焦自主金融、稳定币与负责任AI 智能应用 影音
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国泰金控迈入「智能体优先」新阶段：2026国泰金控技术年会近7000人报名，推出「AI数字同事」试点，聚焦自主金融、稳定币与负责任AI

副董事长蔡宗翰参与炉边对谈，擘画AI时代下一个十年发展战略

/美通社/ -- 国泰金融控股股份有限公司（Cathay Financial Holdings，简称「国泰金控」）近期举办2026国泰金控技术年会。本次年会是台湾地区标杆金融科技盛会之一，同时也是该集团数字化转型十周年纪念活动。国泰金控副董事长蔡宗翰(Joseph Tsai)参与炉边对谈，回顾十年转型历程，并公布集团未来数年战略发展蓝图。

本届国泰金控技术年会聚焦三大核心方向：AI智能体与数字同事、AI驱动的IT现代化、数字资产与Web3。国泰金控首次推出基于AI智能体打造的「数字同事」试点项目；随着AI融入企业业务流程，年会也探讨网络安全治理、访问权限管控与审计实务，同时研讨稳定币、AI智能体支付、自主金融等新兴金融应用场景。来自OpenAI、Google Cloud、Microsoft Taiwan、毕马威(KPMG)、台湾政治大学(National Chengchi University)、台湾大学(National Taiwan University)以及台湾虚拟资产服务提供商协会(Taiwan Virtual Asset Service Provider Association)的行业领袖齐聚本次年会。活动报名人数近7000人，在线线下合计同时观看人数超3500人。

国泰金控副董事长蔡宗翰表示，集团自2016年开启的转型，绝非「为数字化而数字化」，而是意识到各业务单元需要加强协同合作，并且要更加以客户为中心。集团运用数字技术解决实际业务难题，化解客户痛点。

蔡宗翰提到，诚信、责任和创新是国泰金控始终坚守的核心价值观。集团通过强化横向、纵向沟通，在管理层、员工与客户之间建立信任，这也是数字化转型过程中重要的企业文化变革。

蔡宗翰以国泰世华银行(Cathay United Bank)的CUBE信用卡举例。该信用卡在推出时属于行业首创，整合多张卡片权益于一张卡，客户可以依照自身需求自由选择、切换权益。这项战略转变，正是以客户为中心的数字化实践，旨在借助科技赋予客户更多选择与灵活性。

展望未来，蔡宗翰称国泰金控将持续挖掘资产管理与财富管理领域的发展机遇。他呼吁各业务单元借助AI重新思考工作模式与价值创造方式，同时立足自身优势，为客户创造更优质多元的服务。他补充道，AI为国泰金控及各行各业带来弯道超车的机遇。

蔡宗翰表示，台湾地区近年来经济增长表现强劲。作为一家大型金融机构，国泰金控会持续把握机遇，同时应对产业与社会面临的各类挑战，与台湾企业及社会共同成长，不负大众的期待与信赖。

国泰金控于2025年推出生成式AI技术框架GAIA 2.0，在此基础上，本次年会首次发布由AI智能体驱动的「数字同事」，涵盖项目管理、技术治理、法律合同审核试点场景。数字同事拥有明确的角色定位与运作边界，可自主调用企业知识库与工具来完成工作；但重大决策以及异常情形仍需由人工审核。集团围绕身份与访问权限、企业知识库、系统整合、网络安全监控、审计追踪来搭建管控体系，落实负责任AI理念。

在「云端优先」基础设施战略的基础上，国泰金控正式迈向「智能体优先」阶段：通过受管控的AI工作流与智能体平台，打造在全集团落地的可扩展IT能力。依托BMad框架，国泰金控开发出软件开发生命周期(SDLC)需求管理智能体，缩短需求分析周期。国泰世华银行也组建AI Scrum团队与AI SDLC团队，负责需求梳理、开发测试以及文档编制工作。

OpenAI国际业务董事总经理Oliver Jay、Google Cloud台湾技术总经理林书平(Harry Lin)出席本次年会，分享有关金融机构落地企业级AI、安全部署、多智能体治理的见解。

关于数字资产主题，年会围绕虚拟资产托管、稳定币、AI智能体支付和自主金融展开讨论。学界与业界专家探讨金融机构与虚拟资产服务提供商(VASP)如何兼顾创新发展，同时落实反洗钱、资产安全与监管合规要求。

自2016年在副董事长蔡宗翰主导下启动数字化转型以来，国泰金控持续建设数字技术、数据与云能力，并随技术演进拓展至生成式AI、AI智能体和数字资产领域。未来，国泰金控将持续夯实AI、网络安全治理能力，培育金融科技人才；秉持「共创更好」(BETTER TOGETHER)这一品牌理念，联动海内外产业、政府与学术界夥伴，朝着成为「以金融为核心的科技公司」这一目标迈进。

Cathay Financial Holdings’ 2026 Cathay Technology Conference opened on September 15. As the company marked the 10th anniversary of its digital transformation, Vice Chairman Joseph Tsai joined the morning fireside chat and reflected on the company’s decade-long transformation journey. (Photo courtesy of Cathay Financial Holdings)
Cathay Financial Holdings’ 2026 Cathay Technology Conference opened on September 15. As the company marked the 10th anniversary of its digital transformation, Vice Chairman Joseph Tsai joined the morning fireside chat and reflected on the company’s decade-long transformation journey. (Photo courtesy of Cathay Financial Holdings)

Cathay FHC Vice Chairman Joseph Tsai said the company did not begin its transformation simply “for the sake of going digital.” Instead, it recognized the need for business units to better collaborate with one another, think more from the customer’s perspective, and use digital tools and technology to solve problems and address pain points. (Photo courtesy of Cathay Financial Holdings)
Cathay FHC Vice Chairman Joseph Tsai said the company did not begin its transformation simply “for the sake of going digital.” Instead, it recognized the need for business units to better collaborate with one another, think more from the customer’s perspective, and use digital tools and technology to solve problems and address pain points. (Photo courtesy of Cathay Financial Holdings)

Cathay FHC Vice Chairman Joseph Tsai, center, joined the fireside chat at the 2026 Cathay Technology Conference. From left: Cathay FHC Executive Vice Presidents Richard Chen, Quincy Chen and Joe Liang; Chief Technology Officer Marcus Yao; Senior Executive Vice President David Sun; Chief Information Officer James Wu; Executive Vice President Lana Shih; and Senior Executive Vice President Chris Wang. (Photo courtesy of Cathay Financial Holdings)
Cathay FHC Vice Chairman Joseph Tsai, center, joined the fireside chat at the 2026 Cathay Technology Conference. From left: Cathay FHC Executive Vice Presidents Richard Chen, Quincy Chen and Joe Liang; Chief Technology Officer Marcus Yao; Senior Executive Vice President David Sun; Chief Information Officer James Wu; Executive Vice President Lana Shih; and Senior Executive Vice President Chris Wang. (Photo courtesy of Cathay Financial Holdings)

The 2026 Cathay Technology Conference was held on September 15, marking the arrival of the “Agent First” phase. The event drew nearly 7,000 registrants and combined online and in-person concurrent viewership exceeded 3,500, making it one of Taiwan’s flagship fintech events for the financial sector. (Photo courtesy of Cathay Financial Holdings)
The 2026 Cathay Technology Conference was held on September 15, marking the arrival of the “Agent First” phase. The event drew nearly 7,000 registrants and combined online and in-person concurrent viewership exceeded 3,500, making it one of Taiwan’s flagship fintech events for the financial sector. (Photo courtesy of Cathay Financial Holdings)

Cathay Financial Holdings this year unveiled pilots of AI-agent-powered “digital colleagues” for the first time. The “digital colleagues” are assigned specific roles and operating boundaries and can independently use enterprise knowledge and tools to carry out tasks. Human oversight remains in place for major decisions, rule validation and exceptional cases, with people responsible for judgment and final decisions. Cathay FHC is building a comprehensive line of defense spanning identity and access rights, enterprise knowledge, system integration, cybersecurity monitoring and audit trails to implement “responsible AI.” From left: Cathay FHC Executive Vice Presidents Joe Liang and Jeremy Liu. (Photo courtesy of Cathay Financial Holdings)
Cathay Financial Holdings this year unveiled pilots of AI-agent-powered “digital colleagues” for the first time. The “digital colleagues” are assigned specific roles and operating boundaries and can independently use enterprise knowledge and tools to carry out tasks. Human oversight remains in place for major decisions, rule validation and exceptional cases, with people responsible for judgment and final decisions. Cathay FHC is building a comprehensive line of defense spanning identity and access rights, enterprise knowledge, system integration, cybersecurity monitoring and audit trails to implement “responsible AI.” From left: Cathay FHC Executive Vice Presidents Joe Liang and Jeremy Liu. (Photo courtesy of Cathay Financial Holdings)