Former Deputy Chairman of the China Banking and Insurance Regulatory Commission (CBIRC) Liang Tao pointed out at the '2025 Smart China Expo · Digital Industry Ecosystem Conference' that digital finance is expanding from the retail sector to the industrial sector, becoming a key engine empowering pension finance. The integration of the two is an inevitable choice to address aging. Taking Chongqing as an example, aging has spurred demand for pension finance. The integration has brought positive effects such as improved service efficiency, innovative product offerings, and risk reduction, but it also faces five major challenges, including the digital divide among the elderly and data security issues. He proposed that reforms should be deepened and resources coordinated to carry out work in six areas, including strengthening digital infrastructure. Pension finance requires customized and innovative product offerings and continuous optimization, while also enhancing communication and collaboration between the financial sector and industries such as elderly care to build a digital pension finance ecosystem. Additionally, it is necessary to improve the digital literacy of the elderly through multi-channel publicity and digital finance education, and strengthen personal information protection.