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"China Construction Bank Corp has already established a wholly-owned fintech company. Other banks may follow in its footsteps," Cao said.

"China is the biggest single exporter and importer of creative goods and services," said the report.

"CMB has always been dedicated in bringing a better user-experience with technology and these clients are the people we can experiment on. I think artificial intelligence and fintech will be a new battleground to win over Chinese private banking clients."

"But without secure chips, there is no information security and national security. Chipsets are the driving force for information revolution and they are powering a wide range of AI applications," said Deng, also an academician with the Chinese Academy of Engineering.

"But, this is a critical juncture and it's the individual actions, coupled with the testing and the tracing and the local containment."