This article discusses the growing trend of Banking-as-a-Service (BaaS) in China and its impact on the banking industry. BaaS is an end-to-end process that allows for the full execution of web-based financial services. The report delves into the dynamics of the Chinese BaaS market, analyzing industry segments and key players. The article also highlights the various applications of AI in the banking industry, such as speech recognition, natural language processing, and machine learning. China is a leader in the global retail banking market, with significant growth in recent years.