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在财富管理领域，蚂蚁财富作为全球在线服务数亿用户的平台，其在金融科技创新上的步伐始终引领行业前沿。在过去的十年里，蚂蚁财富凭借其先进的技术和服务，成功吸引了5亿活跃用户，这些用户在数字平台上首次能够接触到各类普惠的理财产品。然而，面对庞大的用户群体，真正具备成熟理财行为的用户仅占20%，这表明在7.2亿中国基金投资者中，每3600人才能分得一位传统理财顾问的服务。这种供需失衡导致了专业服务的“无人区”，使得许多普通投资者在寻求专业指导时感到困惑和无助。
面对这一挑战，蚂蚁财富于2020年推出了“AI理财助理”——支小宝，旨在填补行业服务的空白。为了实现这一目标，蚂蚁财富投入了相当于一个操作系统开发成本（50个人年）的资源，对支小宝进行了深度研发和优化。仅仅半年后，支小宝就实现了从检索式AI（1.0）到生成式AI（2.0）的跨越，这一升级使得4300万普通投资者能够享受到如同拥有私人理财专家般的服务。
据蚂蚁财富保险智能服务部总经理陆鑫介绍，技术团队在实现这一重大突破时，采用了最新的大模型技术，针对严谨的产业应用进行了定制，包括三层工作：
1. **底层定制**：开发了面向严谨应用的凤凰大模型Finix，确保AI助手能够精准理解和回应用户的金融需求。
2. **中层优化**：通过算法优化，使得AI助手能够提供个性化的理财建议，根据用户的投资目标、风险承受能力等因素，提供定制化的投资策略。
3. **上层整合**：将AI技术与用户界面、服务流程深度整合，确保用户能够直观、便捷地获取到专业、及时的理财咨询服务。
这一系列创新举措，不仅展现了蚂蚁财富在金融科技领域的深厚积累和前瞻视野，也为广大投资者提供了更加高效、便捷、个性化的理财服务体验，标志着AI在金融领域的应用迈入了新的阶段。未来，随着技术的不断进步和应用的深化，AI理财助理“支小宝”有望为更多用户提供更加精准、专业的理财指导，推动财富管理行业实现更加智能、普惠的发展。
英语如下：
News Title: “AI Finance: From Zhibao to Personal Financial Experts, Innovating Across the Uncharted Territory”
Keywords: AI finance, crossing the uncharted territory, professional service upgrade
News Content:
【Title】: AI Finance Assistant “Zhibao”: Evolution from Professional Standards to Personal Financial Experts
【Body】:
In the domain of wealth management, Antfortune, as a global online platform serving hundreds of millions of users, has always been at the forefront of financial innovation. Over the past decade, Antfortune, with its advanced technology and services, successfully attracted 500 million active users, enabling them to access various affordable financial products for the first time on the digital platform. However, amidst this large user base, only 20% are found to exhibit mature financial behaviors, indicating that in the 720 million Chinese investors in mutual funds, one professional financial advisor is available for every 3,600 individuals. This imbalance in supply and demand has created a ‘no-man’s land’ for professional services, leaving many ordinary investors confused and helpless when seeking professional guidance.
To address this challenge, Antfortune launched “AI Finance Assistant” – Zhibao in 2020, aiming to fill the service gap in the industry. With a resource investment equivalent to that of developing an operating system (50 person-years), Zhibao underwent extensive research and optimization. In just half a year, Zhibao made a leap from retrieval-based AI (version 1.0) to generative AI (version 2.0), this upgrade enabled 43 million ordinary investors to enjoy personalized services akin to having their own personal financial expert.
According to the General Manager of Antfortune’s Insurance Intelligent Service Department, Lu Xin, the technical team achieved this significant breakthrough by employing the latest large model technology, customizing it for rigorous industrial applications, which includes three key aspects:
1. **Customization at the Base**: Developed Phoenix Large Model Finix, ensuring the AI assistant can accurately understand and respond to users’ financial needs.
2. **Optimization in the Middle**: Through algorithm optimization, the AI assistant provides personalized investment advice, tailored to users’ investment objectives, risk tolerance, and other factors.
3. **Integration at the Top**: Deeply integrated AI technology with user interfaces and service processes, ensuring that users can receive professional and timely financial consultation services in an intuitive and convenient manner.
These innovative measures not only showcase Antfortune’s deep expertise and forward-thinking in the field of financial technology but also provide more efficient, convenient, and personalized financial management experiences for investors. This marks a new phase in the application of AI in finance. Looking ahead, as technology continues to advance and applications deepen, AI finance assistant Zhibao is poised to provide more precise and professional financial guidance to a wider range of users, driving the development of wealth management towards a more intelligent and inclusive direction.
【来源】https://www.jiqizhixin.com/articles/2024-07-08-20
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