Shulou(Shulou.com)11/24 Report--

The research and development and application of large models in the financial field are accelerating. On September 8, at the "Bund Conference" held in Shanghai, Ant Wealth platform released China's first intelligent financial management assistant, Zhixiaobao 2.0, which applies large model technology. The 2.0 version of Zhixiaobao is based on the financial model just released by Ant Group, and has been greatly improved in terms of knowledge, expertise, language and security. It can help financial institutions provide users with high-quality professional services such as market analysis, position diagnosis, asset allocation and teaching companionship, and the level of knowledge is not inferior to that of real-life industry experts. It has been revealed that Zhixiaobao 2.0 is currently being tested internally and will be launched after the relevant filing work is completed.

Previously, most of the intelligent financial assistants in the industry were "retrieval AI", which had many limitations in semantic understanding, financial problem analysis and response and the provision of professional services. Zhixiaobao 2.0, the version of the large model, took the lead in realizing the jump of intelligent financial management assistants in the financial field from "retrieval AI" to "generative AI".

"with the development of financial services from breadth to depth, the wealth management industry has gradually formed a new" user-centric "ecology. Combined with the new large model technology, it will create a more inclusive, professional, transparent and inclusive new experience for users." Wang Jie, president of Ant Group Wealth Business Group and chairman of Ant Fund, said that the knowledge power behind Zhixiaobao 2.0 expands the breadth and depth of knowledge and enables more users to get 'universal and beneficial' services. expertise can help achieve asset allocation with thousands of people and create an 'intelligent and professional' experience. Language power enhances the personalized generation ability to create a 'warm companionship' experience, while security as the cornerstone and chassis, through controllable and credible fencing technology to ensure content security and financial compliance, resulting in a 'transparent and reliable' experience.

High IQ and high financial quotient

The level of knowledge is close to that of human experts.

Lu Xin, head of Zhixiaobao technology, said that thanks to the improvement of knowledge and expertise brought about by the financial model, Zhixiaobao 2.0's IQ and financial quotient have been raised to a new level. it can help users to deeply interpret market information and provide personalized configuration strategies combined with users' financial goals and investment preferences.

In the live demonstration, some users asked "which industries will be affected if artificial intelligence is so hot?" Zhixiaobao 2.0 will be based on thousands of reports and information databases provided by professional institutions and authoritative media, and will be integrated and refined to answer. When the user asks "can I buy some now", Zhixiaobao 2.0 will use several tools such as position diagnosis and configuration analysis to analyze the current market of the artificial intelligence plate step by step, guide the reasonable configuration combined with the user's position situation, and prompt the user to reduce the position and avoid the irrational behavior of chasing the rise and kill the fall.

When users further ask "still do not understand", Zhixiaobao 2.0 will change the expression again, first explaining the meaning of the professional term "industry satellite fund", and then explaining the reason why there can not be too many such assets, hoping to spread the risks and balance the returns.

The reporter learned that in terms of intellectual strength, the financial knowledge and data storage capacity of Zhixiaobao 2.0 has reached 10 billion, and its financial event analysis and reasoning ability is not inferior to the average level of human industry experts, and can serve hundreds of millions of users at the same time, which is expected to break through the limitation of manpower. so that public users can have their own intelligent financial assistants.

The expertise of Zhixiaobao 2.0 is reflected in that after a large financial model acts as a "service hub", Zhixiaobao will call hundreds of financial interface tools to provide users with professional services such as market interpretation, product evaluation, behavior analysis, and so on. More importantly, Zhixiaobao 2.0 can simulate real-time financial scenarios based on user preferences, matching 99% of users from 1.8 billion configuration combinations to a better personalized asset allocation scheme.

Have high EQ

From passive response to active service

According to Lu Xin, relying on the improvement of language power, the EQ of intelligent assistant Zhixiaobao 2.0 is also improving, and the accuracy of financial intention recognition is up to 95%. It can understand user emotions and take the initiative to conduct multi-round high-quality conversations. it is even adjusted to a more professional or popular communication style. After answering users' questions, Zhixiaobao under the big model will also automatically "reflect" on the accuracy of the answer and correct itself.

Interestingly, Zhixiaobao 2.0 will also predict user needs and card points in the service link, and take the initiative to inquire or provide services at the right time. This means that the service feel of Zhixiaobao 2.0 is getting closer and closer to that of human experts, and it is constantly learning and evolving.

Previous data showed that by 2022, Zhixiaobao version 1.0 (searchable AI) had served more than 300 million users and answered more than 1.7 billion financial questions. The financial management behavior of users who have been deeply served by Zhixiaobao also tends to be healthier: the reasonable degree of asset allocation increases by 5%, and the proportion of frequent transactions decreases by 60%. At present, 100 asset management agencies cooperating on the Ant Wealth platform have been connected to the Zhixiaobao service, helping them reduce service costs by 50%.

Lu Xin believes that generative Zhixiaobao 2.0 means more natural interaction, richer supply, more effective expression, and more customized services, and it also means that more ordinary people can get professional and dedicated financial assistants. It is a microcosm of financial services from breadth to depth. It has been revealed that the 2.0 version of Zhixiaobao has been tested internally and will be launched after the relevant filing work is completed.

Welcome to subscribe "Shulou Technology Information " to get latest news, interesting things and hot topics in the IT industry, and controls the hottest and latest Internet news, technology news and IT industry trends.