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On April 11, the reporter noticed that Zhixiaobao, the "AI financial assistant" of Ant Group,AcegamephcomVersion .0 is already in the external testing stage. Zhixiaobaoding is located in the question and answer of financial management and insurance expertise, while providing professional tools such as market and position analysis, intelligent underwriting and claims settlement. At present, both the Ant Wealth and Ant Insurance channels of Alipay APP can evoke Alipay services, support text and voice Q & A, and will continue to iterate rapidly in the interactive experience. It is understood that the new version of Zhixiaobao has 12 million user experience, "the market in the first quarter" and other users have become the most popular questions.
Zhi Xiaobao is positioned as a financial question and answer.
The reporter's experience found that, compared with Wen Xinyan, Kimi and other domestic chatbots, Ant's Zhixiaobao is positioned to answer funds, insurance and other financial vertical areas of professional questions, and can give reference analysis and reminders. The test found that based on users' financial management and insurance product holdings, Zhixiaobao can provide practical tools, including financial position analysis, market market interpretation, insurance intelligent underwriting, intelligent claims settlement, and so on. For example, when asked about a fund, Zhixiaobao can provide comprehensive product data and prompt risks such as size and changes in fund managers.
According to the data released by Ant Wealth, users who have been deeply served by Zhixiaobao have 5% more reasonable asset allocation than those who have not served, and the proportion of frequent transactions among users has dropped by 60%.
In the field of insurance, Zhixiaobao provides "intelligent underwriting" capability, which can evaluate whether it can be insured according to the health of users. The "intelligent claim settlement" function can realize automatic claim audit on some simple outpatient insurance claims.
According to reports, Zhixiaobao 2Acegamephcom0. 0 financial knowledge data storage has reached 10 billion, and through the "multi-agent collaboration" model to simulate human experts in different links, output opinions and invoke professional service tools. At present, the ability of Zhixiaobao to analyze and reason financial events has reached the average level of experts in the human industry.
Prior to this, the domestic AIGC has begun to test the waters of medical, transportation and other vertical fields, while Zhixiaobao is the first AI application in the financial field to achieve large-scale customer-oriented applications. Zhang Hua, deputy dean of the Institute of Finance of Zhejiang University, analyzed that the professional threshold and compliance water level in these vertical fields are relatively high, and AIGC needs stronger knowledge, data, logic and technical capabilities in these areas. Once successfully applied, it will significantly lower the service threshold of these industries and enhance the user experience.
"Market" has become a hot question. Zhixiaobao reminds rational investment.
Since the beginning of this year, A-share shocks have warmed up, house prices and interest rates have been falling, investors are cautious about stability and asset preservation, and many users have initiated advice to Zhixiaobao.
According to the Q & A data of Zhixiaobao in the first quarter, the two major financial questions asked by users are "market interpretation" and "this week's income", while "which health insurance is suitable for illness" and "when you can receive savings insurance income" has become the hottest insurance issue. When giving professional answers, Zhixiaobao will also prompt market risks and remind users to make rational choices.