ICBC (Industrial and Commercial Bank of China) showcases its AI and digital human work across its official sites, highlighting technologies such as the “ICBC Smart” service robot, the “GINO” AI agent with 98% accuracy in multi-channel interactions, and AI-powered wealth tools like the “AI Investment” robo-advisor and the “AI Index” for portfolio management. Its FinTech Awards pages describe digital human avatars such as “Gong Xiao Zheng” and “Gong Xiao Cheng,” reflecting ICBC’s push into avatar-based services. News updates on icbc.com.cn and icbc-ltd.com emphasize its broader FinTech transformation strategy, while the ICBC Singapore site details Asia-Pacific–focused AI initiatives, positioning ICBC as a leader in integrating AI-driven customer service, financial advisory, and digital human technology into mainstream banking.
ICBC is actively applying “digital human” technology across retail banking via a series of patents and pilots: in September 2023 it filed CN117132689A for generating a user-state–aware virtual image to optimize interaction during business processes; in June 2024 it filed CN119313445A for a digital-human–based credit-card user interaction method and system; and in December 2024 it filed CN119693591A for an AR “virtual avatar” guidance method to navigate users while avoiding overlap with real people, indicating intent to use avatars for on-premise or spatial guidance. The bank has also tested a VR “metaverse” business hall with virtual digital-human customer service since 2022, which public reporting characterizes primarily as a marketing/experience channel to date. Beyond patents, ICBC’s 2023 mid-year tech disclosure described a D-ICBC digital ecosystem where “digital employees” handled over 130 million AI tasks in 47 scenarios, showing the operational backdrop for deploying avatar-based interfaces in practice.