ChatGPT launched by AI research company OpenAI has set off a boom. Recently, Baidu announced that ERNIE Bot, a ChatGPT-like project, plans to complete the internal test in March and open it to the public. Baixin Bank and Postal Savings Bank also announced to access Baidu Wenxin one after another this week, becoming the first banks to join the ecosystem in China. At the same time, some banks said that they were actively thinking about how to introduce such technology into banking business. Industry insiders believe that with the improvement of language model capability, the application scope of AI (artificial intelligence) will be greatly expanded and can be expected in the future. However, at present, ChatGPT and similar products still face problems such as credibility, data privacy and data security. It is still a long way from playing a role in actual business scenarios. ChatGPT expands AI application space. In fact, dialogue robot is not a new technology, and it has many applications in the banking field. "At present, dialogue robots are widely used in the banking field, mainly focusing on various dialogue scenarios, including voice interaction, marketing promotion, customer service center, decision support, business remote handling, etc. Dialogue robots play an important role in improving the user experience and operational efficiency of banks." Li Guoqing, a senior expert of Zhongguancun Kejin AI products, a domestic dialogue AI technology solution provider, introduced to reporters. However, in the view of Ma Dongfeng, partner of Ernst&Young Financial Consulting, in terms of the current application effect of natural language processing technology in various banks, there is still a big gap between their technical level and ChatGPT. "ChatGPT has pushed the application of natural language technology to a new high point. In some daily human-computer communication processes, ChatGPT has performed very well," he said. Li Guoqing said that generative dialogue products such as ChatGPT can be applied in the internal interaction scenarios of banks in terms of dialogue ability, such as assisting daily office work or staff training; External interaction scenarios include customer service center, online business hall, etc. He believes that with the improvement of language model ability, large models can not only generate natural language, but also emerge the thinking chain reasoning ability. Under the prompt, it can decompose complex tasks into sub-tasks step by step, greatly expanding the application scope of AI. On the one hand, it can replace simple and repetitive physical and mental work, on the other hand, it can also assist in some more complex mental work and creative work, such as marketing copywriting, content proofreading, automatic mapping, product design, etc. Many banks pay close attention to ChatGPT, and some banks also show "close attention" to it. "With regard to ChatGPT technology, we have a special team to follow up and research, and also to think and consider in which fields this content can be applied," said Wu Yanjun, head of the technology planning team and chief researcher of Baixin Bank. On February 14, Baixin Bank announced that it would become the first batch of ecological partners of Baidu Wenxin Yiyan. On February 16, Postal Savings Bank of China announced its access to Baidu Wenxin Yiyan