副董事長蔡宗翰參與爐邊對談，擘畫AI時代下一個十年發展戰略

台北2026年10月14日美通社 －－ 國泰金融控股股份有限公司（Cathay Financial Holdings，簡稱「國泰金控」）近期舉辦2026國泰金控技術年會。本次年會是台灣地區標桿金融科技盛會之一，同時也是該集團數字化轉型十週年紀念活動。國泰金控副董事長蔡宗翰（Joseph Tsai）參與爐邊對談，回顧十年轉型歷程，並公佈集團未來數年戰略發展藍圖。

本屆國泰金控技術年會聚焦三大核心方向：AI智能體與數字同事、AI驅動的IT現代化、數字資產與Web3。國泰金控首次推出基於AI智能體打造的「數字同事」試點項目；隨著AI融入企業業務流程，年會也探討網絡安全治理、訪問權限管控與審計實務，同時研討穩定幣、AI智能體支付、自主金融等新興金融應用場景。來自OpenAI、Google Cloud、Microsoft Taiwan、畢馬威（KPMG）、台灣政治大學（National Chengchi University）、台灣大學（National Taiwan University）以及台灣虛擬資產服務提供商協會（Taiwan Virtual Asset Service Provider Association）的行業領袖齊聚本次年會。活動報名人數近7000人，線上線下合計同時觀看人數超3500人。

國泰金控副董事長蔡宗翰表示，集團自2016年開啟的轉型，絕非「為數字化而數字化」，而是意識到各業務單元需要加強協同合作，並且要更加以客戶為中心。集團運用數字技術解決實際業務難題，化解客戶痛點。

蔡宗翰提到，誠信、責任和創新是國泰金控始終堅守的核心價值觀。集團通過強化橫向、縱向溝通，在管理層、員工與客戶之間建立信任，這也是數字化轉型過程中重要的企業文化變革。

蔡宗翰以國泰世華銀行（Cathay United Bank）的CUBE信用卡舉例。該信用卡在推出時屬於行業首創，整合多張卡片權益於一張卡，客戶可以依照自身需求自由選擇、切換權益。這項戰略轉變，正是以客戶為中心的數字化實踐，旨在借助科技賦予客戶更多選擇與靈活性。

展望未來，蔡宗翰稱國泰金控將持續挖掘資產管理與財富管理領域的發展機遇。他呼籲各業務單元借助AI重新思考工作模式與價值創造方式，同時立足自身優勢，為客戶創造更優質多元的服務。他補充道，AI為國泰金控及各行各業帶來彎道超車的機遇。

蔡宗翰表示，台灣地區近年來經濟增長表現強勁。作為一家大型金融機構，國泰金控會持續把握機遇，同時應對產業與社會面臨的各類挑戰，與台灣企業及社會共同成長，不負大眾的期待與信賴。

國泰金控於2025年推出生成式AI技術框架GAIA 2.0，在此基礎上，本次年會首次發佈由AI智能體驅動的「數字同事」，涵蓋項目管理、技術治理、法律合同審核試點場景。數字同事擁有明確的角色定位與運作邊界，可自主調用企業知識庫與工具來完成工作；但重大決策以及異常情形仍需由人工審核。集團圍繞身份與訪問權限、企業知識庫、系統集成、網絡安全監控、審計追蹤來搭建管控體系，落實負責任AI理念。

在「雲端優先」基礎設施戰略的基礎上，國泰金控正式邁向「智能體優先」階段：通過受管控的AI工作流與智能體平台，打造在全集團落地的可擴展IT能力。依托BMad框架，國泰金控開發出軟件開發生命週期（SDLC）需求管理智能體，縮短需求分析週期。國泰世華銀行也組建AI Scrum團隊與AI SDLC團隊，負責需求梳理、開發測試以及文檔編製工作。

OpenAI國際業務董事總經理Oliver Jay、Google Cloud台灣技術總經理林書平（Harry Lin）出席本次年會，分享有關金融機構落地企業級AI、安全部署、多智能體治理的見解。

關於數字資產主題，年會圍繞虛擬資產托管、穩定幣、AI智能體支付和自主金融展開討論。學界與業界專家探討金融機構與虛擬資產服務提供商（VASP）如何兼顧創新發展，同時落實反洗錢、資產安全與監管合規要求。

自2016年在副董事長蔡宗翰主導下啟動數字化轉型以來，國泰金控持續建設數字技術、數據與雲能力，並隨技術演進拓展至生成式AI、AI智能體和數字資產領域。未來，國泰金控將持續夯實AI、網絡安全治理能力，培育金融科技人才；秉持「共創更好」（BETTER TOGETHER）這一品牌理念，聯動海內外產業、政府與學術界夥伴，朝著成為「以金融為核心的科技公司」這一目標邁進。

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）