AI Is Changing How We Work — Not Why Clients Engage Us AI正在改变我们的工作方式——而非客户与我们合作的原因
Professional Judgment.
Enhanced by Technology.
专业判断。
由技术增强。
Dear DFG Advisory Clients and Partners, 尊敬的DFG Advisory客户及合作伙伴：
Welcome to this edition of the DFG Advisory newsletter. The rise of AI in financial services is reshaping how advisory firms operate — from compliance workflows to client reporting. At DFG Advisory, we've embraced these tools thoughtfully, ensuring they serve our clients without replacing the professional judgment that defines our work. 欢迎阅读本期DFG Advisory通讯。AI在金融服务领域的崛起正在重塑顾问公司的运营方式——从合规工作流程到客户报告。在DFG Advisory，我们审慎地采用这些工具，确保它们为客户提供更好的服务，而不会取代定义我们工作的专业判断。
From PayrollPro to the Way We Work Today 从PayrollPro到我们今天的工作方式
Earlier this year, we shared why DFG built PayrollPro: our team could not find a system that properly addressed the multi-jurisdiction payroll requirements we manage for clients. 今年早些时候，我们分享了DFG构建PayrollPro的原因：我们的团队找不到一个能够妥善处理我们为客户管理的多司法管辖区薪资要求的系统。
But PayrollPro was also the beginning of something broader. 但PayrollPro也是更广泛事业的起点。
AI has made it possible for finance professionals to build solutions around the way businesses actually operate — rather than always adapting their processes around the limitations of existing software. AI使财务专业人员能够围绕企业的实际运营方式构建解决方案——而不是总是让流程去适应现有软件的局限性。
At DFG Advisory, we are increasingly using AI this way: not to replace professional judgment, but to turn our accounting and operational experience into better processes, stronger controls and more useful tools. 在DFG Advisory，我们越来越多地以这种方式使用AI：不是为了取代专业判断，而是将我们的会计和运营经验转化为更好的流程、更强的控制机制和更实用的工具。
From Calendar Reminders to a Compliance Control System 从日历提醒到合规控制系统
Managing clients across jurisdictions means managing very different obligations — from Singapore CPF, GST and annual returns to Dubai WPS and other regulatory deadlines. 跨司法管辖区管理客户意味着要处理截然不同的义务——从新加坡的CPF、GST和年度申报，到迪拜的WPS及其他监管截止日期。
Previously, we relied heavily on calendar reminders. But that depends on someone correctly identifying, entering and acting on every deadline. We wanted a stronger control. 此前，我们在很大程度上依赖日历提醒。但这取决于有人能正确识别、录入并跟进每个截止日期。我们希望建立更强的控制机制。
Using AI-assisted development, including OpenAI Codex, DFG built an internal compliance management system around our workflow. Each client's obligations and deadlines are mapped within the system. On the first day of every month, upcoming items for the next two months are identified, with alerts sent to both the person responsible and the department head. 借助AI辅助开发（包括OpenAI Codex），DFG围绕我们的工作流程构建了一套内部合规管理系统。每位客户的义务和截止日期均在系统中进行了映射。每月的第一天，系统会识别未来两个月的待处理事项，并向负责人和部门主管发送提醒。
The goal was not simply to replace a calendar. It was to reduce manual dependency, improve visibility and strengthen accountability. 目标不仅仅是替换日历，而是减少对人工操作的依赖、提升可见性并强化问责机制。
AI helped us build the system. Our professional experience determined what the system needed to control. AI帮助我们构建了这套系统。而系统需要控制什么，则由我们的专业经验来决定。
Start With the Problem, Not AI 从问题出发，而非从AI出发
We don't start by asking: "Where can we use AI?" 我们不会先问："我们在哪里可以使用AI？"
We ask: "Where is the process breaking down, and how can we make it better?" 我们问的是："流程在哪里出了问题，我们如何改进？"
Sometimes the answer is AI. Sometimes it is automation. Sometimes the process itself needs redesigning. Technology comes after understanding the problem. 有时答案是AI，有时是自动化，有时是流程本身需要重新设计。技术的应用，始终在理解问题之后。
Professional Judgment Remains at the Centre 专业判断始终居于核心
AI can organise data, automate repetitive work, identify exceptions and help us develop tools much faster. But finance still requires judgment. AI能够整理数据、自动化重复性工作、识别异常情况，并帮助我们更快地开发工具。但财务工作仍然需要专业判断。
Our professionals need to understand the client's business, recognise when something does not make sense, design the right process and controls, review outputs and remain accountable for the work delivered. 我们的专业人员需要理解客户的业务、识别不合理之处、设计正确的流程和控制机制、审查产出结果，并对交付的工作负责。
The human element is not only about client relationships. It is the professional experience behind the process, controls and decisions that determine how technology should be used. 人的因素不仅体现在客户关系上，更体现在流程、控制和决策背后的专业经验，这些决定了技术应当如何被运用。
Our Approach 我们的方法
Understand the business. Identify the problem. Design the right process. Use technology where it adds value. Keep professional judgment and accountability with our people. 理解业务。识别问题。设计正确的流程。在能带来价值的地方使用技术。将专业判断和问责机制保留在我们的团队中。
For DFG, that is what AI-enabled finance looks like. 对于DFG而言，这就是AI赋能金融的真实面貌。
