According to People's Daily News, on December 13th, the "Smart Cup" 2019 National University Fintech Innovation Contest Award Ceremony and National University? Fintech Summit Forum was held in Shanghai. SPD President Pan Weidong said that "fintech" has become the commanding heights of future financial development. Digital employees based on AI technologies such as natural language processing, speech recognition technology, and emotion perception are the trend of future customer service development. SPDB will promote the innovation and business of customer service models by applying cutting-edge technologies such as AI, the Internet of Things, and blockchain Remodeling of patterns.