Nowadays, driven by the digital wave, mobile finance apps have become a driving force for service innovation and development, reshaping the public's financial lifestyle and making convenience and efficiency a daily demand for users. At the recent work forum held by the China Internet Finance Association, Ma Chao, deputy secretary of the Party Committee and secretary-general of the China Internet Finance Association, said that the Association would focus on the requirements of the Action Plan for Promoting the High Quality Development of Digital Finance, explore outstanding practice cases with exemplary significance in the industry, and lead more financial institutions to learn wisdom and experience from them, so as to help accelerate the new stage of high-quality development. The conference focused on innovative practices in fields such as banking, securities, insurance, and payments, and discussed the innovative practices and outstanding achievements of mobile finance apps in different business scenarios. Attendees expressed that in terms of technological applications, artificial intelligence and big data are deeply integrated to drive intelligent upgrades in areas such as intelligent customer service, risk management, and precise operations, and to assist in financial service innovation. In terms of service mode, financial apps deeply integrate service capabilities with user life and production scenarios, and build a diverse ecosystem; Focusing on elderly care finance, starting from the customer's entire life cycle of elderly care planning, we have created a "finance+life" one-stop elderly care service experience and digital age friendly financial services, empowering the silver economy; Expand the application scenarios of digital RMB and carry out the first single currency counter bond business in the entire market through online channels. In terms of functional interaction, financial apps simplify complexity and optimize user experience through multi-channel interaction, intelligent customer service, direct access to high-frequency scenarios, innovative user journey experience, enhanced personalized customization services, and convenient payment operations. In terms of security, we need to constantly innovate our security management level and technological means, and build a strong "digital" security defense line in the financial industry.