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Artificial intelligence, blockchain, and other intelligent technologies serve as the primary technical support for the financial industry, enabling it to achieve digital transformation and enhance the quality of development. This paper utilizes the banking industry as a representative of the financial sector, showcasing the benefits of applying artificial intelligence and blockchain technology to the digital transformation of commercial banks through case studies. This approach indirectly underscores the importance of intelligent technology for the robust growth of digital finance. Taking “profitability” and “risk management level” of commercial banks as specific indicators, the relationship between the application of intelligent technology and the profitability and risk management level of banks is explored through multiple linear regression, thus reflecting the role of intelligent technology on the economy and the development of high quality. This paper further analyzes the relationship between banks’ application of intelligent technology and profitability and risk management levels through multiple linear regression. This paper also analyzes the influencing factors of banks’ intelligence levels to provide a reference for achieving high-quality development in digital finance and the economy. According to the regression results, the quadratic term of the intelligence index is 0.00282, which indicates that banks have effectively improved their profitability in the later stages of applying intelligent technology. Before and after the introduction of control variables, the coefficients of the degree of intelligence are 0.41997 and 0.47969, respectively, indicating that the application of intelligent technology is conducive to banks’ ability to improve risk management. It has also been found that factors such as fintech innovation ability, financial regulation, and asset size have a positive impact on the application of intelligent technology in commercial banks. |
