Four-Dimensional Evolution of the Industrial and Commercial Bank of China from Digitalization to Digital Intelligence

DOI

10.2991/978-94-6239-787-3_68How to use a DOI?

Keywords

Digital Transformation; ICBC; AI-ICBC; McKinsey’s 3+1 framework

Abstract

Against the backdrop of profound empowerment of the financial industry by the digital economy and artificial intelligence (AI) technology, the transformation of state-owned banks has entered a new phase of digitalization and intelligentization. This article examines the Industrial and Commercial Bank of China (ICBC) as the research subject. Drawing on the single-case longitudinal research design, and integrating McKinsey’s 3+1 framework and Sia-Weill-Zhang future-ready enterprise framework, the paper constructs a four-dimensional analytic framework encompassing strategy, technology, business, organization, and talent, and systematically analyze ICBC’s transformation trajectory from Digital-ICBC to AI-ICBC. The study finds that ICBC’s digital transformation exhibits a clear shift from “scene connectivity” to AI-driven operations, from distributed architecture to ICBC Zhiyong Large Model System, from online channel migration to comprehensive scene-based digital and intelligent reconstruction, and from technology-business integration to AI-driven deep business transformation. The findings offer theoretical and practical implications for the digital transformation of other state-owned commercial banks.

Copyright

© 2026 The Author(s)

Open Access

Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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TY  - CONF
AU  - Xinyi Zhang
PY  - 2026
DA  - 2026/09/29
TI  - Four-Dimensional Evolution of the Industrial and Commercial Bank of China from Digitalization to Digital Intelligence
BT  - Proceedings of the 2026 4th International Conference on Management Innovation and Economy Development (MIED 2026)
PB  - Atlantis Press
SP  - 682
EP  - 696
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6239-787-3_68
DO  - 10.2991/978-94-6239-787-3_68
ID  - Zhang2026
ER  -