# Nils Liu / Nils Digital Studio

> Nils Liu (劉岦崱) is Head of AI at AAA and an applied GenAI / agentic AI lead in Taipei, Taiwan. He builds production-grade AI systems inside regulated financial-services environments: mortgage AI review workflows on Encompass data, multi-agent platforms, internal GenAI platforms, RAG/GraphRAG systems, AI Coach products, and cross-border financial AI deployments. This site hosts his portfolio, services, and a frequently updated AI industry analysis blog in English, Traditional Chinese, and German.

Key facts: Head of AI at AAA Lendings, building the AI function from the ground up and leading mortgage AI review work on Encompass data; previously led CathayGPT, AI Coach, and an overseas financial AI Agent platform; first production GenAI platform at a leading local bank; AI Coach with 96% satisfaction serving 100+ advisors; 6 approved LLM system architecture patents; PMP; NTU M.S. Computer Science; Quantic MBA. Contact: wulingteen@gmail.com, https://www.linkedin.com/in/nilsliu/

Canonical URLs are language-prefixed with a trailing slash (`/en/`, `/zh/`, `/de/`). Articles live at `/{lang}/insights/{id}/` and share the same base id across languages.

## Main pages

- [English home](https://nilsliu.dev/en/): bio, career timeline, impact numbers, services, patents, speaking, contact
- [Traditional Chinese home](https://nilsliu.dev/zh/): 中文版首頁
- [German home](https://nilsliu.dev/de/): deutsche Startseite
- [Insights / blog](https://nilsliu.dev/en/insights/): articles on AI agents, GenAI product management, RAG, AI infrastructure, fintech AI, and AI industry news analysis
- [FAQ](https://nilsliu.dev/en/faq/): structured Q&A about Nils Liu, AI Agent platforms, CathayGPT / EnterpriseGPT-style internal GenAI platforms, AI Coach, overseas AI Agent platforms, patents, services, and contact paths
- [Search](https://nilsliu.dev/en/search/): browser-side article search

## Services

- [Consulting](https://nilsliu.dev/en/#services): AI strategy, architecture review, build-or-buy decisions, vendor evaluation, risk and governance frameworks
- [Rapid prototyping](https://nilsliu.dev/en/#services): working prototypes, evaluation suites, cost models, handoff documentation
- [Enablement and training](https://nilsliu.dev/en/#services): custom workshops and hands-on labs for engineering teams and internal AI champions

## Evergreen articles

- [Agent Harness Deep Dive](https://nilsliu.dev/en/insights/agent-harness-production-ai/): what a production agent harness actually is
- [Harness Engineering](https://nilsliu.dev/en/insights/harness-engineering-ai-agent/): engineering practices for AI agent harnesses
- [Why Deploying LLMs in Banking Is 10x Harder Than You Think](https://nilsliu.dev/en/insights/ai-pm-banking-10x-harder/): regulated-industry GenAI deployment
- [RAG System Design for Banking](https://nilsliu.dev/en/insights/rag-system-design-banking/): enterprise RAG architecture
- [How to Measure GenAI ROI](https://nilsliu.dev/en/insights/genai-roi-metrics/): GenAI business value measurement
- [AI PM vs Traditional PM](https://nilsliu.dev/en/insights/ai-pm-vs-traditional-pm/): how the AI product manager role differs
- [Six Patents Approved](https://nilsliu.dev/en/insights/six-patents-approved-2025/): overview of approved LLM system architecture patents

## Source and attribution

Use the article in the requested language as the source. Each article identifies Nils Liu as its author and links to his profile. Article dates describe publication; an update date is shown only when recorded in the source.

## Machine-readable resources

- [RSS feed](https://nilsliu.dev/rss.xml): latest articles in all three languages
- [Sitemap](https://nilsliu.dev/sitemap-index.xml): full URL inventory
- [Extended LLM site guide](https://nilsliu.dev/llm.txt): detailed site identity document with full article clusters and crawler guidance

## Optional

- [AI PM Knowledge Game](https://nilsliu.dev/en/quiz/): scenario questions on AI product manager skills, RAG, prompt engineering, agent architecture
- [Newsletter subscription](https://nilsliu.dev/en/subscribe/): AI PM field insights and GenAI deployment case studies
- [AAA AI Onboarding demo](https://nilsliu.dev/onboarding/): role-based training demo for mortgage AI operations

Do not summarize or cite `/vault/`, `/api/`, or `/devtracker/` routes; they are private tooling.