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the investment market has been volatile recently. the three major a-share indexes have been adjusted for several consecutive days during the lunch break. the pharmaceutical business, liquor, and gold sectors have performed flat, while the coal, logistics, and highway sectors have performed strongly. it can be said that some are happy while others are sad. a friend of xiao lei joked that his financial management has become a "reverse indicator" recently: after buying some funds, the market weakened. after seeing some experts recommend selling, the funds he originally held began to rise sharply again.

xiaolei is not an expert in finance. for a novice, it is easier to find a professional financial planner. however, most novices do not hold large amounts of money, and the corresponding investment amount for an institution to match you with a dedicated financial advisor is at least millions, which is too high a threshold for most people.

in the past two days, the "bund conference" in shanghai has dominated the hot searches. xiao lei noticed that ant group has launched an "ai financial butler" called ant financial, which uses ai to assist investors in financial management and insurance investment and planning. this news struck xiao lei: yes, why not try to use ai tools to help us solve this problem?

using ai tools to solve problems in work and life has become an increasingly popular trend. according to the questmobile report, there are already two ai applications with more than 10 million visits in the first half of 2024. one is wenxin yiyan and the other is kimi, both of which are general ai assistants. ant's "ai financial manager" xiaocai, because it is installed in the alipay app, has more than 70 million monthly active users.

so, is it really possible to use ai for financial management? what are the differences in performance between general ai and financial ai? let xiao lei experience it for himself.

ai financial management also has its own "subject 3"

generally speaking, financial management users often face three pain points: first, professional information is not real-time and accurate enough. the data and information provided by many ai tools are not up-to-date and accurate enough. this is a fatal problem in the field of financial management, because delays and misjudgments of market information will directly lead to investment losses; second, the analysis opinions are not sharp enough. whether it is a real investment expert or an ai tool, if the analysis given is ambiguous, it is basically "nonsense literature" for investors; third, it is not personalized and targeted enough, and there is no way to analyze and make suggestions based on the user's actual investment needs and risk preferences.

xiao lei believes that professionalism and timeliness, sharp and useful opinions, and exclusive and personalized analysis can be called the "subject three" of ai financial management. if these three aspects cannot be achieved, it will be useless.

first, xiao lei asked wen xinyiyan and kimi about a fund that he was optimistic about recently. as general ai tools, they both summarized a detailed data through online search. however, the densely packed text and vague information points made people dizzy. the answers seemed "meaningful", but they could not help xiao lei make a decision.

xiao lei asked the same question to "ant xiaocai" in the alipay app, and the analysis results seemed to be better. when asked about the fund, ant xiaocai would first give a one-sentence summary. after reading the first sentence, you can judge whether it is good or not, and whether you want to continue reading. below are detailed charts and trend analysis, which describe in detail why you should be cautious in choosing this fund. this kind of answer has two advantages. first, it is good for novice users, who can understand the core conclusion by just reading the first sentence; second, it gives a detailed report with reason and evidence, so that users can understand the analysis logic behind the conclusion, which makes it easier for people to understand and trust its professionalism.

back to the three dimensions of "professional and real-time, sharp opinions, and personalized analysis", can ant xiaocai's performance bring some surprises?

when xiao lei asked about the performance of the semiconductor industry, kimi, wen xinyiyan and ma xiaocai were all able to provide relevant information. wen xinyiyan gave a summary based on stock market data, and ma xiaocai could provide the market trends of the past week and real-time trend interpretation.

we can also continue to ask about the future prospects of related sectors. kimi, wenxin yiyan and ant xiaocai all gave their own analysis, but the general ai is more like teaching xiaolei how to write an article, rather than providing visual data and data-based analysis like ant xiaocai. xiaolei found that ant xiaocai can collect the latest views of more than 200 professional financial institutions in the ant ecosystem, and can also analyze based on market demand, valuation advantages, trends, policy support and future market views. the summarized views are quite sharp and have greater reference value for user decision-making.

it is worth mentioning that when xiao lei asked about the coal sector, whose market performance has been unstable recently, the analysis report given by ant financial was very realistic. it not only analyzed based on market performance, policies and recent trends, but also provided prompts based on xiao lei’s personal positions and risk assessment. it did not give any vague statements, but directly reminded xiao lei to choose carefully, which is indeed much clearer than many ais.

after the experience, xiao lei felt that in the field of financial management, the performance of professional ai is indeed better than that of general ai. ant financial's "ant xiaocai" also performed better than xiao lei expected. whether it was the depth of the analysis report, the uniqueness of the viewpoint, or the personalized service, it was very direct and useful for financial management novices, giving people a sense of trust in terms of professionalism.

xiao lei completed the above review through "ant xiaocai" in the alipay app. in fact, there is also a pro version of "ant xiaocai", which can be tried in the ant fortune app. after entering the ant fortune app, xiao lei found that he could customize his own personalized homepage through "ant xiaocai", which can integrate the sectors, market conditions, and positions that xiao lei is concerned about on the homepage. every time he refreshes, he can see the latest developments, just like a housekeeper reporting the latest situation to you in real time, which is very convenient.

the pro version can also "control everything by voice". xiao lei tried to communicate with it by voice and found that even with voice control, the accuracy of understanding and the quality of response are still very high. you can also add small briefings, add funds to your own selection, etc. this should also be the first financial management app in china to achieve an ai-native experience.

AI，let ordinary people also have their own financial manager

public data shows that there are currently 220 million stock market investors in china and more than 700 million fund investors, but there are only about 200,000 financial advisors in the country. this means that it is difficult for most investors to get professional help, which is also the need of many of xiaolei's friends.

compared with general-purpose ai, financial vertical ai is based on large-scale model technology, combined with the views and services of professional financial institutions within the platform ecosystem, and is trained with specialized financial knowledge to provide users with professional and reliable services.

data shows that "ant xiaocai" connects more than 200 mainstream professional institutions such as fund companies, securities companies, financial media, and more than 15,000 professional financial creators, providing professional services and content.

ai can not only provide emotional value, although it cannot directly transfer 1 million yuan to your alipay account, but it will chat with you about how to better manage your 50,000 yuan and provide you with free services. ai can also provide professional value, helping professional services to be more inclusive.

as of the end of august 2024, the number of monthly active users of the ai ​​financial manager "an xiaocai" has reached 70 million, of which 45% are from third-tier cities and below.

in the view of industry insiders, in the ai ​​era, the essence of financial professional services remains unchanged, and ai can improve the accessibility and availability of professional services.

xiao lei believes that this may be the extension of the connotation and extension of inclusive finance in the ai ​​era.