China Merchants Bank’s Digital & Intelligent CMB strategy reflects a longstanding commitment to embedding technology at the core of its retail franchise, supported by sustained investment and governance discipline.
At the centre of this approach is a systematised innovation framework that combines infrastructure, data and artificial intelligence into a unified architecture. With full cloud migration already achieved and system availability exceeding 99.99% in 2025, it has the infrastructure and resilience required for mass retail engagement.
Complementing this is a middle office shared technology platform, with over 6,400 modular software components and big data services that support more than 75% of staff, enabling capabilities to be built, shared and refined consistently across the organisation.
CMB has demonstrated digital capabilities at scale that are already setting new standards for retail digital excellence in Asia
In 2025, CMB extended artificial intelligence beyond experimentation into largescale application, deploying hundreds of scenario-based solutions across retail...
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