剑桥大学贾奇商学院：2026年节俭型AI在金融科技行业的应用白皮书（英文版）

Fintech’s adoption of AI is typically compute and data intensive, which drives up both operational and sustainability costs. The prevailing approach relies on large scale cloud infrastructure or proprietary hardware platforms, which delivers performance but at high financial and environmental cost. The main cost drivers include high utilisation of GPUs and TPUs for training and inference, the acquisition and retention of scarce AI talent, substantial data management and storage overheads, and