personal investment and financial management, what can ai do? reporter experiences the upgraded version of "ant xiaocai"
2024-09-08
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ant group is going all out to enter the ai race. following the announcement of the independent service-oriented ai app "zhi xiaobao" on the 5th, the new version of the ai financial butler "ant xiaocai" was upgraded and unveiled at the wealth forum of the bund conference on september 6, and was fully released to the public in the alipay app. the upgraded "ant xiaocai" can interpret hot topics in real time, express opinions, and provide personalized professional services. at the same time, the new ant fortune app equipped with the "ant xiaocai" pro version was launched for gray testing. this is also the first financial management app in china to achieve an ai native experience.
journalist experience
ask questions in the financial field and interpret them in a simple and easy-to-understand way
a reporter from red star news experienced it in the alipay app and found that when asking about the financial reports of listed companies, "ant xiaocai" can instantly generate a graphic version of the financial report interpretation, clearly presenting the changes and reasons for core data such as revenue, which the general public investors can understand at a glance.
faced with complex and professional market hotspots, product terminology, financial reports of listed companies and other information, "an xiaocai" can provide real-time interpretation by expressing it in easy-to-understand terms based on the language power of big model technology.
for example, when a reporter from red star news asked questions such as "will the consumer funds i choose increase in value?", ant financial gave the answer after some analysis: the demand in the consumer sector is weak in the short term, and the valuation has fallen. it is recommended not to make new investments and wait and see. popular questions also include tips on saving money, managing idle money, and financial management tips.
the knowledge training of the big model in the financial field supports "ant xiaocai" to efficiently screen and accurately extract multiple views from financial institutions, and organize effective information from fragmented content for users. at the same time, based on its professional strength and insight into the platform's hundreds of millions of financial management users, "ant xiaocai" links financial institutions to provide more exclusive and personalized analysis. it is reported that "ant xiaocai" connects more than 200 mainstream professional institutions such as fund companies, securities companies, and financial media, as well as more than 15,000 professional financial creators.
data shows that 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.
"from the era of mobile internet to the era of big ai models, the professional nature of financial products and services remains unchanged. ai helps improve the availability of professional financial services and brings professional benefits." wang jun, president of ant group's wealth business group, said that the development of ai financial services is inseparable from the industry ecosystem constructed by financial institutions, professional service providers, content creators, etc., and will require continued co-construction with all parties in the industry in the future.
service upgrade
full voice control, strong sense of personal customization
in addition to the full public release within the alipay app, the ant xiaocai pro version has also been launched in the ant fortune app. after the user's voice is awakened, they can use "voice control" throughout the process to let ant xiaocai interpret market hot spots, analyze industry sectors, and other actions. ant xiaocai will accompany the whole process and ask users about their service needs in a timely and proactive manner.
red star news reporters found that the new version of ant wealth app uses ai to dispatch products and services, creating a more customized financial management experience. on the homepage of ant wealth app, each user can ask "ant xiaocai" to add the industry sectors and fund managers that they are most concerned about to the "financial briefing" according to their needs to keep tracking and interpreting.
"with users at the center, ai can help investors organize what they need and provide customized services." wang xiaohang, vice president of ant group and cto of the wealth insurance business group, said, "generative ai technology is not only renewing the interactive experience of financial management, but also upgrading the core of financial management services. based on big model technology that focuses on rigorous industries and has strong general knowledge, understanding and communication capabilities, ai financial butler can dispatch products, information and services within the app, making expert services digital and accessible to everyone." it is understood that this is also the industry's first financial management app to achieve an ai native experience.
expert opinion
exploreuser perspective
open up the “last mile” of financial services
industry insiders pointed out that with the development of mobile internet, mass investors can trade various financial products online, but financial services are still facing the "last mile" problem in popularization due to their high concentration of professionalism, fragmented content and lack of personalization. based on the language, knowledge and professional power of ant's self-developed large model, ai financial butler "ant xiaocai" cooperates with financial institutions to provide a new paradigm for financial services that is more inclusive, effective and customized.
li yongsen, a professor at the institute of finance at the university of chinese academy of social sciences, believes that many general-purpose ais are developing independent ai-native apps, and it is relatively rare to try ai-native apps in rigorous industries such as wealth management. this will help the industry shift its exploration from a product perspective to a user perspective.
there are currently no large models in china with more than 10 million daily active users, and only two apps with more than 10 million monthly active users. after the hundred models war, everyone has started to try it out, but ai has really entered our lives and connected industries. an agent based on a large language model (llm-based agent) can make decisions by perceiving the surrounding environment and take actions through "actuators".
ant financial has released ai intelligent entities such as zhixiaobao and ant financial, which has also attracted strong attention from the industry. zhu keli, executive director of the china information association and founding dean of the national research institute of new economy, said in an interview with red star news that as a new terminal form, conversational interaction can significantly reduce the transaction cost of users to obtain services, increase consumer surplus, and promote the optimal allocation of resources in the payment ecosystem. its scene perception system realizes personalized service recommendations, improves the efficiency of market supply and demand matching, and complies with the principle of effective resource allocation. in the long run, it will continue to optimize services and promote the transformation of payment to a higher level of digitalization and intelligence.
"as a new form of terminal, intelligent agents represent the arrival of a new era of human-computer interaction. through autonomous perception, decision-making and action, they expand the boundaries of human capabilities, optimize resource allocation, improve production efficiency, and even replace human labor in some areas. in the fields of government affairs, medical care, education, etc., intelligent agents will significantly improve the efficiency and quality of public service provision, alleviate resource constraints, and enhance social welfare." zhu keli said that the popularization of intelligent agents will give birth to new business models and economic growth points.
as technology matures and costs decrease, more companies will deploy intelligent systems to provide personalized, intelligent products and services, stimulate market vitality, and promote industrial structure upgrades and economic growth model changes. "this type of new terminal form is expected to profoundly change people's lifestyles, work patterns, and even the entire economic system, opening up a new ai-driven model. while improving service efficiency and quality, it will promote optimal resource allocation and economic growth model changes."
red star news reporter hu pei
editor: li xinglong
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