An article in the Economic Daily points out that as one of the "Five Major Articles" in finance, digital finance helps improve the efficiency of financial services, achieve the goal of financial inclusion, enhance the capability to serve the real economy, and prevent financial risks. Recently, the "Action Plan for Promoting the High-Quality Development of Digital Finance" jointly issued by the People's Bank of China and 7 other departments proposed to systematically promote the digital transformation of financial institutions, strengthen digital technology support capabilities, solidify the foundations of data governance and integrated application capabilities, build a digital financial service ecosystem, and enhance digital operation and management capabilities. Industry experts believe that the development of digital finance is an important part of building a strong financial country, and banks and financial institutions should accelerate digital transformation, innovate product and service models, while safeguarding the bottom line of digital financial development.