格隆汇8月8日丨凌云光(688400.SH)在投资者互动平台表示，公司与智谱在数字人及工业制造双线合 作：2022 年联手推出手语数字人，服务冬奥与世界杯；2024 年共建直播数字人产品，已接入京东、淘 宝、唯品会等主流电商平台。在工业领域，双方融合 GLM 大模型与公司行业经验，在工业大数据、智 能工厂管理等领域开展合作。 ...

Core Viewpoint - Lakala is a leading digital payment service provider in China, showcasing its advancements in digital RMB technology and global payment services at the 31st China International Financial Expo [1] Group 1: Digital RMB Initiatives - Lakala has established a strategic partnership with the People's Bank of China Digital Currency Research Institute since 2020, becoming one of the first to connect to the interconnectivity platform for digital RMB [1][3] - The company has developed a seamless digital RMB acceptance model, allowing merchants to upgrade their systems without changing hardware, thus facilitating rapid adoption of digital RMB payments [3] - Lakala has participated in digital RMB pilot projects across all provinces and cities in China, providing payment services for major events like the Beijing Winter Olympics and the Chengdu Universiade [5] Group 2: Global Payment Services - Lakala supports cross-border payment services for Chinese enterprises, covering over 100 countries and regions and accepting 37 currencies, thereby enhancing transaction efficiency and brand experience [5] - The company is actively exploring the application of digital RMB in various scenarios, including participation in multilateral central bank digital currency bridge projects [5] Group 3: Strategic Vision - Lakala is committed to promoting digital payments and sharing digital technology, with digital RMB and overseas business being key components of its strategy [6] - The company is integrating AI with its business operations, launching innovative products in smart dining and retail to drive digital transformation in various industries [6]

证券时报网讯，中信证券认为，数字人民币作为数字经济时代的支付基础设施，推广大势所趋。基于数 字人民币特性，用户支付习惯和移动支付市场格局或迎重塑机遇，各类厂商的积极参与有望为数字人民 币的推广和应用带来更多想象空间。数字人民币具备跨境使用的技术条件，未来也有望由零售领域延伸 至跨境支付领域，结合先发优势强化人民币的国际竞争力。伴随数字人民币应用持续推进，相关产业链 有望持续受益，建议关注硬钱包制造、收款设备&受理终端配套改造、商业银行系统建设、安全保障技 术相关服务商。 （原标题：中信证券：数字人民币应用持续推进 相关产业链有望持续受益） ...

2年前，做一个数字人得花几十万元甚至是几百万元，时间来到2025年中殡网旗下的百善社工数字人的 制作成本被降低到了万元级，甚至几千元就可以搞定自己的数字人。走过"AI周期年"，数字人距离生产 力还有多远？在AIGC的带动下，当人人都能拥有数字人分身，未来数字人如何跨越到"AI人"？我们离 数字人与人类的"硅基共生"还有多久？ "AI生成内容的领域确实非常火。根据众多国外的数据预测，这实际上是个非常庞大的市场，至少是万 亿美元。"腾讯云副总裁、腾讯大数据技术委员会负责人刘煜宏表示。 曾经，大模型或许离普通人很远，但如今，越来越多的AI生成元素出现在我们的生活和工作中，尤其 是数字人——备受粉丝追捧的虚拟偶像，直播间里的数字主播，新闻报道中的数字员工，电商平台上的 虚拟客服等。面对愈发丰富的应用场景和巨大潜力，"数字人+AI"再次成为市场关注焦点，越来越多的 公司、资本纷纷抢滩AI赛道。 从地域分布来看，江苏、浙江、山东（浙江与山东并列），三地相关企业位居前列，分别拥有12.3万余 家、7.6万余家。 2023年，以百度、腾讯为代表的老牌互联网巨头，以巨量引擎、中殡网为代表的头部机构，以小冰公 司、百善社工为代表 ...

Core Concept - The article discusses the development of AI digital assistants that enhance human-computer interaction by simulating human communication, aiming to provide natural and efficient service support in daily scenarios [1] Natural Language Interaction System - The dialogue interface utilizes multi-turn conversation technology, enabling context semantic understanding and intent recognition. Users can input requests via text or voice, with the system automatically correcting and completing key information [2] - The response module is designed to express human-like responses, matching emojis and tone words to the conversation content to avoid mechanical replies [2] Task Management and Scheduling - The digital assistant can parse complex user requests and break them down into executable steps. For example, if a user inputs "prepare for a weekend family gathering," the system generates a shopping list, venue setup suggestions, and a schedule [4] - The scheduling module synchronizes with the user's mobile calendar, setting reminders and detecting conflicts, automatically suggesting adjustments when overlapping events are detected [4] Preference Model and Service Recommendations - Based on historical dialogue data, the digital assistant can proactively push relevant services. For instance, if a user frequently inquires about fitness plans, the system will regularly send workout tutorials and dietary suggestions [5] - Recommended content spans various categories, including lifestyle services, learning resources, and entertainment activities, with each recommendation accompanied by a brief description and action entry [5] Multimodal Interaction Expansion - In addition to basic text interaction, the digital assistant supports simple gesture recognition and emotional feedback. Users can express satisfaction through a thumbs-up gesture, which the system records to enhance similar recommendations [6] - The visual presentation adopts a 2.5D cartoon style to avoid discomfort from excessive realism, maintaining a consistent hairstyle and outfit for brand recognition while reducing cognitive load [6] Privacy Protection and Permission Management - Dialogue data is secured with end-to-end encryption, allowing users to choose data retention periods. The permission settings page offers detailed control options, such as allowing calendar access while prohibiting contact list access [7] - Sensitive operations require secondary verification, such as entering a preset password or biometric information to modify schedule arrangements [7] Visual Standards and Adaptation Optimization - The interface design adheres to brand color standards, primarily using a light blue color scheme to create a technological feel. Key operation buttons are sized no less than 44px to ensure accurate touch response across different devices [8] - Animation frame rates are maintained above 30fps to prevent lag during interactions. Testing shows that optimized versions have reduced the error rate by 40% among elderly users [8] - Through the collaborative operation of these functional modules, the AI digital assistant can establish a complete link of "demand understanding - task breakdown - service push," balancing technical advancement with emotional value to provide users with an efficient and warm digital assistance experience [8]

Group 1 - The company, Zhejiang Wenlian (600986.SH), is a digital cultural platform under Zhejiang Cultural Investment, focusing on digital culture and new IP in cultural tourism [1] - The company is actively exploring new business layouts such as immersive digital cultural tourism experiences, AIGC (Artificial Intelligence Generated Content), and digital humans [1]

数字人民币：一场席卷华夏的金融革命 2025年7月，中国人民银行正式宣布数字人民币试点阶段结束，标志着这一具有里程碑意义的金融创新工具正式进入全国范围推广使用。 它不再是初露锋芒 的小荷，而是如今碧波万顷的莲叶，展现出蓬勃的生命力和无限的应用前景。 这并非仅仅是一次技术升级，而是一场深刻改变中国支付方式和金融格局的 革命。 金融安全始终是数字人民币的核心竞争力。传统第三方支付平台固然便捷，却也潜藏着数据泄露和资金风险的隐患。根据国家互联网金融安全技术专家委员 会发布的《2024年中国互联网金融安全报告》，2024年全国因支付账户被盗导致的经济损失高达107亿元人民币。 而数字人民币巧妙地采用了"小额匿名， 大额实名"的设计理念，辅以多级身份识别机制，在保障用户隐私的同时，有效防范了洗钱、电信诈骗等违法犯罪活动。 中国人民银行数字货币研究所的数 据显示，试点期间，数字人民币系统成功拦截可疑交易78.3万笔，挽回经济损失约6.2亿元，其安全性可见一斑。 根据国家统计局2025年数据，中国60岁以上人口已达2.8亿，其中仅有约57%的老年人能够熟练使用智能手机支付。数字人民币推出的硬钱包卡片，无需绑 定银行账户，无 ...

Group 1 - The core viewpoint is the launch of the first digital human broadcaster in the ecological environment sector in China, aimed at enhancing the effectiveness of ecological culture communication [1] - The digital figure is based on the official IP "Little Mountain, Little Water" from the Ministry of Ecology and Environment, showcasing a creative approach to environmental communication [4] - The technology utilized includes large models and artificial intelligence content generation, which involves precise digital model construction, smooth natural motion generation, detailed facial expression driving, and scene modeling [4]

那么，数字人民币对普通百姓来说有什么好处呢？ 首先，用数字人民币能"救急"且更方便。您是不是遇到过这样的尴尬：到了地铁闸机口，手机却因没电 不能扫码进站；大热天去便利店买水，手机突然自动关机；眼瞅着要迟到，却因手机没电付不了停车 费……这些烦恼，数字人民币的无网无电支付功能都能解决。用户在手机关机的情况下，仍然能用手机 "碰一碰" 收款终端完成支付。用户只要在数字人民币App中开通"无网无电支付"功能，并设置好关机后 可支付次数和单笔小额免密额度就行。 当然，也有网友担忧："方便是方便，那是不是很容易被盗刷？有人带着机具身边一过，钱会不会就没 了？"还有人问："别人捡到我的手机是不是可以随便花钱？" 从身边一过，就完成了支付，数字人民币可以在无网无电的状态下支付，虽说是方便了，但安全吗？ 其次，数字人民币还能成为你的"资金安全守护锁"。记者身边不少朋友都有这样的经历，办了健身卡、 美容卡，结果商家突然跑路，充的钱打了水漂。现在，数字人民币带来了救星——"元管家"。它就像预 付资金的"超级保镖"，专门守护你的钱包安全。简单来说，"元管家"用的是智能合约技术。这就好比给 你的预付资金上了双重保险，第一重，每笔钱都 ...

Core Insights - The article discusses the significant transformation of government services through the implementation of the "AI+" strategy, highlighting the introduction of a digital human platform by Daokeyun that integrates AI, metaverse, and digital human technologies to enhance government services [1][3]. Group 1: Digital Human Platform - The digital human serves as the core interface of Daokeyun's government AI metaverse solution, integrating government data and service capabilities to create a personalized intelligent service system [3]. - The platform supports various forms of digital humans, including real person cloning and 3D virtual customization, applicable in multiple scenarios such as consultation desks and online customer service [5]. Group 2: Service Capabilities - The digital human can handle a full range of services, from policy inquiries to material pre-review, achieving over 99% accuracy in responding to high-frequency questions like "social security payment process" and "business license application materials," significantly reducing the burden on human consultants [5]. - The platform offers multilingual support and personalized service recommendations based on historical behavior data, enhancing service precision and user experience [5]. Group 3: AI Integration and Efficiency - Daokeyun's solution integrates advanced AI models like DeepSeek to create specialized AI assistants for various government functions, improving departmental collaboration and decision-making [6]. - The solution promotes a comprehensive strategy that combines online and offline services, utilizing AI and digital human technologies alongside hardware like digital human terminals and holographic cabinets [6]. Group 4: Knowledge Management - The dual-engine architecture of "RAG + vector embedding" allows for the automatic organization and reconstruction of government knowledge, creating databases for policy and emergency management that enable quick access to the latest regulations [7]. - AI assistants can generate standardized documents and verify application completeness, while macro decision assistants provide trend predictions through big data analysis, enhancing efficiency and decision-making quality [7]. Group 5: User Interaction - Offline intelligent service terminals integrate information querying, smart interaction, and large-screen information display, allowing users to easily navigate processes through touch or voice commands, catering to all demographics including the elderly [8]. - The system supports contactless service upgrades with a voice recognition accuracy of 99%, facilitating seamless communication [8].