How to solve wealth management pain points through digital services

Economic Observation Network reporter Chen Shan has a problem in the field of wealth management. First, the threshold for wealth management consultants is high, and hundreds of millions of users in China have no way to obtain financial consulting services; second, the cost of financial consultants is high, low efficiency, and uneven professional capabilities; third, unreasonable investment behavior is common, and personal financial management users are generally generally generally There are irrational investment behaviors such as frequent transactions, chasing and falling, and blind self -confidence.

On September 3rd, at the World Artificial Intelligence Conference (WAIC), Tsinghua University Fintech Research Institute and Gartner, an international authoritative research institution Gartner, jointly released the white paper of the "Foreign Practice of Virtual Assistant 4.0-Fortune Management Digital Services" to target traditional wealth management for traditional wealth management Many problems existing in the service model summarize the latest technologies of virtual assistants to enhance the user experience through digital services.

Zhang Xiaoyan, deputy dean of the School of Finance and Chair at the Wudaokou School of Finance of Tsinghua University, believes that the digitalization of wealth management services is the general trend, and virtual assistants can help solve the pain points of asset allocation management, behavior deviation correction, and trust mechanism. B -side institutions have brought value.

Gartner proposes the concept of "virtual assistant" in the white paper. It is believed that when developing in specific segments, virtual assistants can combine the knowledge of the industry and have a higher degree of automation and intelligent level. The White Paper believes that there are 5 stages of virtual assistants. At present, the average development is developing from intermediate (2.0) to high (3.0) stage. The leading virtual assistants in individual industries have developed to the professional (4.0) stage.

The white paper pointed out that leading wealth management agencies need to have the technical capabilities of virtual assistant 4.0 to meet the user experience and business needs of digital services. In the wealth management industry, mature virtual assistant 4.0 technology system must have technical capabilities such as "professional, companion, understand me" such as "professional, companion, understanding me" combined with operational optimization, knowledge map, natural language processing, machine learning, dialogue artificial intelligence.

For what the virtual assistant 4.0 is like, Fang Qi, a senior research director of Gartner at the meeting, for example, in the field of wealth management, the smart financial assistant "Zhibao" of Ant Wealth Platform has reached 4.0. Content companionship and service, on the other hand, auxiliary institutions do investment research and investor education.

The reporter learned from Ant Wealth that under the fluctuation market, virtual assistants can provide timely and targeted teaching in time, reminding users to chase up and fall, frequent transactions and other irrational investment behaviors. Data show that as of the end of May 2022, users who were deeply served by Zhibao were 78%higher than those who had not served.

The virtual assistant moves to the 4.0 stage, and the support of powerful data and technology behind digital services is inseparable.

It is reported that Smart Management Assistant Zhi Xiaobao is based on natural language processing, machine learning, financial knowledge maps, multi -round dialogue and other VA (Virtual Assistant) technical architecture system. It can dialogue like a real person and answer users' financial management questions at any time. Earlier, Zhi Xiaobao had won the first place in the field of "Emotional Analysis" in the AI ​​competition, reaching the Wikisql list, and the accuracy of recognition of human language reached 93%.

Lu Xin, the technical director of Ant Wealth Intelligent Service, told reporters that the current 50%of Zhibao's content comes from the co -construction of cooperative financial institutions. As a result, continuously optimize the user experience.

Shen Xin, the president of Kuku Technology, told reporters at the World Artificial Intelligence Conference that the era of data intelligence has entered a new stage, from "small data" to "big data" to "small data", how to turn big data into service to serve Fund, bank, government and other application scenarios, especially the push of thousands of people behind this, the depiction of customers, and the push capacity formed by the underlying layer through structured push is even more important. He said, "Technology itself serves productivity, how to integrate technology into the production process, so that enterprises continue to value value and generate value for customers, which we need to continue to think about it."

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