In the era of technology finance, the service-oriented concept leads the future of securities AI

Nowadays, under the general trend of consumption upgrading, people's income level and asset management awareness have been improved, and investors' requirements for investment services are also increasing. At present, there is also a new force that is affecting the entire traditional investment market, that is, the expansion of the middle class.

According to the 2015 CHFS survey data, the actual number of Chinese middle class is 204 million, far exceeding the 109 million people in the Credit Suisse Wealth Report, and the total wealth held by this group of people is as high as 28.3 trillion. The number of the middle class continues to expand, and the main force in the investment market is gradually shifting from high-net-worth users to the middle class. Faced with the trend that the middle class has become the main force of future investment, the service standards of the traditional investment market, which mainly focus on high-net-worth users, can no longer meet the service needs of investors, and the pain point of asymmetry between investors and service platforms is becoming more and more obvious.

First, in terms of investment consultants' commissions, investors hope to complete their own asset allocation investments with less expenditure, while traditional investment institutions charge higher commissions; secondly, in terms of investment services, traditional manual investment service institutions can only provide a single investment service and cannot meet users' diversified investment needs. At the same time, traditional investment consultants have low work efficiency and cannot provide real-time market data feedback and detect product changes; finally, traditional investment institutions require a large amount of capital costs to introduce professional investment consultants, which is a considerable expense for investment institutions.

At this time, open Internet investment has gradually enabled traditional investment institutions to start intelligent upgrades in service efficiency and quality, and investors have also begun to enjoy diversified, automated, and efficient intelligent investment services. According to iiMedia Research, there were 311 million Internet investment users in China in 2016. It is expected that by the end of 2017, this number will reach 384 million, a growth rate of 23.5%. This shows that the number of users of the upgraded intelligent investment platform has shown a clear growth trend.

At this point, domestic intelligent investment platforms have entered an era of contention among a hundred schools of thought. Among them, securities institutions, which are generally considered by investors to be high-risk and high-return, have also ushered in changes. Securities institutions have combined big data, intelligent engines and their own basic service capabilities to create intelligent securities investment platforms with high service efficiency and low cost expenditures.

The birth of the "three-in-one" full-process accompanying intelligent service opens a new era of securities AI

Judging from the products currently launched by domestic smart investment institutions, they can be roughly divided into two categories: one is the black box investment strategy, that is, investors do not need to understand the product income details, but only participate in the investment and obtain income through the platform. This method is more suitable for novice investors; the other is the white box strategy, which is more suitable for advanced investors who are familiar with market operations and can independently analyze investment product trends. But obviously, if it is a single-stage investment service, it will be difficult for novice investors to grow into independent investors. For users, users hope to promote the formation of their own investment habits, so the auxiliary service role of investment institutions is crucial, and users are more inclined to choose institutions that provide investment services rather than institutions that provide investment advisory services.

Similarly, Mr. Bi Zhigang, who has been engaged in securities and financial IT for nearly 20 years, believes that artificial intelligence is a service, not an investment advisor. That is, for brokerage business customers, the reasonable positioning of artificial intelligence at this stage should be investment services, not smart investment advisors. Securities companies should focus on big data, intelligent engines, and basic service capabilities, integrate services, investment, and financial management, and provide customers with accompanying, scenario-based, and personalized professional investment education and investment assistance services.

In China, the securities institution Guotai Junan is a role model for full-time accompanying investment services. Guotai Junan has upgraded traditional investment services based on the development strategy of "technology + service". Especially in terms of strategic positioning, Guotai Junan has proposed the three-in-one intelligent service of intelligent customer service, intelligent investment and intelligent financial management for the first time in the industry, improving and breaking through the shortcomings of traditional service products that are closed-door and out of touch with reality, focusing on "full-time accompanying, scenario-based, intelligent online services" to bring investment services to users.

Guotai Junan also launched an intelligent product, Junhong Lingxi. Through the ingenious combination of intelligent customer service, intelligent investment and intelligent financial management, Junhong Lingxi controls costs, risks and future financial planning throughout the entire investment process, providing investors with full-process, full-scenario intelligent investment services to maximize users' investment returns. In terms of service, various quantifiable value indicators are used as a medium to achieve a fast and benign interaction system between users and service providers. The launch of Junhong Lingxi effectively solves the high-net-worth segmented service problem of traditional investment platforms, provides personalized lean services for thousands of investment users, and opens a new era of securities AI.

Before users invest, Junhong Lingxi helps users understand market trends through data analysis, so that users can have some understanding of the market they are going to invest in; market hot spots and intelligent stock selection services provide users with information services on the most popular products and the best investment products to help users pre-select investment products; then, it conducts intelligent stock diagnosis on the products selected by users, analyzes whether there are major unfavorable factors for the stocks, and provides investment services with similar K values ​​and chip distributions, helping users choose the best time to buy after understanding the market trends of the products, thereby reducing transaction costs.

When users are investing, Junhong Lingxi provides voice consulting services. Through pre-market morning reports, today's recommendations, voice live broadcasts, midday market reviews, today's market and other services, it helps users understand product trends anytime and anywhere. It also conducts account analysis and diagnosis based on users' trading behaviors and current products, helping users discover misunderstandings and deficiencies in the investment process. In terms of market monitoring, Junhong Lingxi automatically runs the system to implement 7*24 hours of uninterrupted monitoring of the market, and promptly feeds back product anomaly information discovered by the anomaly radar to users, and helps users deal with anomaly products in a timely manner to reduce user investment risks.

After the investment is completed, Junhong Lingxi analyzes the investment habits of users during the investment process and provides corresponding special services for users at different investment stages. For example, it can provide low-risk investment products to novice users and gradually guide them to learn product investment concepts; for advanced users with a certain investment foundation, it provides more diversified investment products to reduce the market risk of users' investments. Junhong Lingxi will also provide product investment planning, so that users can have more intelligent and preferred products in addition to their current investment products, help users make rational use of investment funds, and build healthy financial management habits in multiple investment fields.

In addition, there is an intelligent customer service "Xiaojun Knows", which can not only help users answer investment questions during the investment process, but also complete emotional interaction with users through self-learning. Users can interact with the robot Xiaojun in addition to investing and share the joy of the investment process. Xiaojun can also help users share their worries and "amuse" users to improve the service experience of users' financial management process. Junhong Lingxi will also launch a multi-factor model retrieval function, which will intelligently quantify and analyze users' daily search texts, match diversified products that meet customer needs, and create a closed-loop system that provides users with all-round services throughout the investment process...

It can be seen that Guotai Junan's three-in-one intelligent service platform has broken through the defects of scattered users and single investment contact points in the traditional investment market. By organically combining its own online and offline investment services, it has realized the concept of providing investors with lean services that are tailored to each individual throughout the investment process, becoming a leader in the securities AI field.

In the era of smart financial management, service-oriented leadership leads the future

In the era of smart finance, there are many investment platforms, and many brokerages have greatly reduced users' investment commissions through their smart platforms, providing users with complex and diverse investment products. However, from the perspective of investors, compared with the reduction of commissions, consumers prefer platforms with better services.

Firstly, young and middle-aged people have become the main force of mobile investment platforms. In the smart financial management market where users lack independent investment capabilities, smart investment platforms will focus on cultivating potential users' investment awareness and habits to gain more market share. Using auxiliary investment services to assist users in the entire investment process can help the platform consolidate its market position.

Secondly, on the full-process auxiliary service platform, users can enjoy the full-process accompanying investment services provided by the auxiliary platform. They can not only obtain returns through the intelligent investment products provided by the platform, but also understand the investment process in detail through investment robots, enjoy the full-process investment guidance services provided by the platform, and learn to invest independently during the investment process.

Third, in the future smart financial management market, smart investment platforms that can provide investors with personalized accompanying investment services throughout the investment process will become the direction of the future financial management market and gain the favor of more investors. Junhong Lingxi, which Guotai Junan unveiled at the first Securities Intelligence Summit, combines asset allocation and investment advice artificial intelligence to improve the autonomous learning ability of smart products, optimize the communication ability between the platform and users, and thus receive intuitive feedback from users. This helps the platform to more conveniently provide different investment users with personalized full-process investment and financial planning assistance services. Junhong Lingxi has thus become the beginning of the era of auxiliary services for smart investment platforms.

Overall, in the future, on more and more auxiliary service-oriented intelligent investment platforms, Junhong Lingxi will take user experience as its own responsibility and adhere to the service-first service concept. It will provide intelligent and personalized investment services throughout the investment process for investors, and bring the platform service content to investment users, bringing new breakthroughs to the securities field. This will also make it a leader in the future securities AI era.

Liu Kuang, uses Zen to comprehend the Internet, WeChat public account: liukuang110

As a winner of Toutiao's Qingyun Plan and Baijiahao's Bai+ Plan, the 2019 Baidu Digital Author of the Year, the Baijiahao's Most Popular Author in the Technology Field, the 2019 Sogou Technology and Culture Author, and the 2021 Baijiahao Quarterly Influential Creator, he has won many awards, including the 2013 Sohu Best Industry Media Person, the 2015 China New Media Entrepreneurship Competition Beijing Third Place, the 2015 Guangmang Experience Award, the 2015 China New Media Entrepreneurship Competition Finals Third Place, and the 2018 Baidu Dynamic Annual Powerful Celebrity.