印度銀行業擁抱科技革命：人工智慧、區塊鏈改變金融格局

印度總理莫迪強調了人工智慧和區塊鏈技術對銀行業的變革性影響，強調了網路安全在數位銀行蓬勃發展時代的關鍵作用。莫迪敦促印度銀行業考慮必要的結構性變革，包括新的融資和商業模式，以擁抱金融科技創新。他也強調了印度儲備銀行（RBI）在為該國銀行體系製定未來路線圖以支持其成長願望的重要性。

Indian Banking Sector Embraces Technological Revolution: AI, Blockchain Transform Financial Landscape

印度銀行業擁抱科技革命：人工智慧、區塊鏈改變金融格局

Introduction

介紹

In a landmark address at the 90th anniversary celebration of the Reserve Bank of India (RBI), Prime Minister Narendra Modi highlighted the transformative impact of emerging technologies on the banking sector. Artificial intelligence (AI) and blockchain, in particular, are revolutionizing banking practices, mandating a reassessment of cybersecurity and banking models.

在印度儲備銀行 (RBI) 90 週年慶典上發表的具有里程碑意義的演講中，總理莫迪強調了新興技術對銀行業的變革性影響。尤其是人工智慧（AI）和區塊鏈正在徹底改變銀行業務實踐，要求重新評估網路安全和銀行模式。

AI and Blockchain: Catalysts for Banking Innovation

人工智慧和區塊鏈：銀行業創新的催化劑

Prime Minister Modi emphasized the pivotal role of AI and blockchain in reshaping the banking landscape. These technologies introduce novel ways of conducting banking operations, driving the need for innovative financing, operating, and business models.

莫迪總理強調了人工智慧和區塊鏈在重塑銀行業格局中的關鍵作用。這些技術引入了開展銀行業務的新穎方式，推動了對創新融資、營運和商業模式的需求。

Cybersecurity Imperative in the Digital Banking Era

數位銀行時代網路安全勢在必行

The proliferation of digital banking services has amplified the significance of cybersecurity. Modi stressed the responsibility of the RBI to plan and chart a trajectory for the Indian banking system that safeguards the nation's financial infrastructure.

數位銀行服務的激增放大了網路安全的重要性。莫迪強調印度央行有責任規劃和製定印度銀行體系的發展軌跡，以保障國家的金融基礎設施。

Modi's Vision for Developed India

莫迪對發達印度的願景

Recognizing India's aspiration to become a developed nation, Modi emphasized the potential of AI and blockchain as key catalysts in achieving a $5 trillion economy by 2027-2028. To this end, the government has allocated over Rs 10,300 crore ($1.24 billion) for the IndiaAI Mission over the next five years.

莫迪意識到印度成為已開發國家的願望，強調人工智慧和區塊鏈作為關鍵催化劑的潛力，可在 2027-2028 年實現 5 兆美元經濟。為此，政府已在未來五年內為 IndiaAI 任務撥款超過 1,030 億盧比（12.4 億美元）。

India's AI Regulatory Framework

印度的人工智慧監管框架

In line with its commitment to fostering technological growth, India is set to release a draft regulatory framework for AI by July. This framework aims to harness the technology's economic potential while establishing safeguards against misuse.

根據其促進技術成長的承諾，印度將於 7 月發佈人工智慧監管框架草案。該框架旨在利用該技術的經濟潛力，同時建立防止濫用的保障措施。

RBI's Technological Initiatives

印度儲備銀行的技術舉措

The RBI has initiated groundwork for enhanced technology utilization in banking, exploring use cases for AI, digital ledgers, and other innovations. However, the deployment of these technologies also necessitates robust data protection and cybersecurity measures.

印度儲備銀行已啟動加強銀行業技術利用的基礎工作，探索人工智慧、數位帳本和其他創新的用例。然而，這些技術的部署也需要強大的資料保護和網路安全措施。

Blockchain in Central Bank Digital Currency

央行數位貨幣中的區塊鏈

The RBI has embraced blockchain technology in developing its central bank digital currency (CBDC) or e-rupee. The central bank is currently exploring additional functionalities for CBDC retail payments, such as programmability and offline capability.

印度儲備銀行在開發其中央銀行數位貨幣（CBDC）或電子盧比時採用了區塊鏈技術。央行目前正在探索 CBDC 零售支付的附加功能，例如可程式性和離線功能。

Enterprise Blockchain: Foundation of AI

企業區塊鏈：人工智慧的基礎

To ensure the legal compliance and efficacy of AI, integrating it with an enterprise blockchain system is crucial. Enterprise blockchain ensures data quality, ownership, and immutability.

為了確保人工智慧的合法合規性和有效性，將其與企業區塊鏈系統整合至關重要。企業區塊鏈確保資料品質、所有權和不變性。

AI and Blockchain: Shaping the Future of Banking

人工智慧和區塊鏈：塑造銀行業的未來

As consumer preferences evolve, the banking and financial services industry must adapt its business models, processes, and products. AI and blockchain will continue to drive innovation, redefining the way banking is conducted in the future.

隨著消費者偏好的變化，銀行和金融服務業必須調整其業務模式、流程和產品。人工智慧和區塊鏈將繼續推動創新，重新定義未來銀行業的運作方式。