Recently, with the dense (Note: This word should be replaced with the actual content if it's a missing part, here I assume it's not needed in English as it seems out of place) release of 2025 annual reports, the strategic layouts and achievements of large and medium-sized commercial banks in the digital finance sector have gradually come to light. After reviewing the annual reports of several listed banks, reporters found that against the backdrop of continuously improve (continuously improving) the quality and efficiency of financial services for the real economy, state-owned major banks and joint-stock banks are advancing digital transformation through differentiated paths, with steady growth in financial technology investment. The application of artificial intelligence large models has entered a phase of large-scale implementation. Among them, the total financial technology investment of 13 representative listed banks exceeds 180 billion yuan.