AI breaks the inherent thinking of traditional finance. Instead of spending effort optimizing those inherently inefficient processes that should be eliminated, it is better to completely redesign the financial product system. This is the core dilemma faced by financial practitioners in the AI era.

Using new tools to patch old frameworks is often the biggest waste. The real opportunity lies in AI enabling us to imagine unprecedented forms of financial products—eliminating those redundant legacy steps and building from scratch.

Looking ahead to 2025, this shift in thinking will become the watershed for financial innovation. Those still optimizing old systems will be left behind.