According to 21 Economic Net, Gao Yingxin, vice chairman and president of BOC Hong Kong, said that virtual banks can help customers who have not been taken care of by traditional banks. Pushing inclusive finance will be the focus of the bank's virtual banking business. Livi will use artificial labor. State-of-the-art technology such as intelligence, blockchain, big data and intelligent risk modeling creates an easy-to-use, seamless and secure digital ecosystem. The initial joint investment of the virtual bank's three parties totaled HK$2.5 billion, of which BOC Hong Kong contributed HK$1.1 billion.