据悉，其中AI数字客服团队可帮助中小企业提升约70%的人效，降低35%的运营成本，并大幅提高业务 转化率。在数字蚂力的电商客户实践中，这一模式已为企业带来约10%的GMV增长。 在以"AI驱增长 效能即未来"为主题的见解论坛上，中金公司执行总经理、中金研究院创新经济组负责 人周子彭说道，服务业AI应用目前仍面临显著的"技术—商业"鸿沟，落地难点主要集中在性能、成本与 协同机制不足等三大方面。 【环球网科技综合报道】9月11日，在2025 Inclusion·外滩大会上，蚂蚁集团旗下数字蚂力宣布实现重大 产品升级，正式推出首批专家级"AI数字员工团队"，覆盖客服、营销、巡检、销售培训及研发五大核心 业务领域，致力于将AI深度融入企业运营，为企业提供可量化、确定性的业务增长结果，破解AI在真 实场景中"落地难、见效慢、协同繁"的共性困境。 据了解，数字蚂力本次发布的五大AI数字员工团队各具特色，功能覆盖企业核心业务环节。这些AI数 字员工具备清晰的角色定位与目标，能够作为责任主体融入现有组织。 其中，"AI数字客服团队"提供7×24小时的客户服务支持，让每次客户互动都成为挖掘增长机会；"AI营 销团队"能精准捕捉 ...

Core Insights - The future of token economy must be rooted in the real economy to truly release value [1] - The global Web3 native asset scale has exceeded $3.8 trillion, but most of it is still focused on speculative trading and value storage, lacking deep interaction with the real industry [1] - Ant Group has been exploring the token economy, particularly through RWA sandbox practices, aiming to leverage technology to enhance efficient circulation and value interconnection in the real economy [1] Group 1 - Asset tokenization and token payments are key growth engines in the Web3 space, acting as a bridge to integrate the crypto economy with the real economy [2] - The exploration of tokenization should balance value exploration and risk prevention, with compliance being essential for innovation [2] - Ant Group has clearly defined its boundaries from the beginning, refusing to issue virtual currencies or engage in speculation, focusing instead on technological infrastructure to serve rather than disrupt industries [2]

Core Viewpoint - The future of token economy must be rooted in the real economy to truly release value, transitioning from a speculative and storage role in the virtual world to solving trust, efficiency, and cost issues in the physical economy [1] Group 1: Token Economy Definition and Importance - Token economy is a new economic ecosystem based on blockchain technology and tokens, aimed at addressing trust, efficiency, and intermediary costs in traditional economies [1] - The current global Web3 native asset scale exceeds $3.8 trillion, but most of it remains focused on speculative trading and value storage, lacking deep interaction with the real economy [2] Group 2: Technological Advancements and Industry Integration - The token economy is at a "dawn moment," with continuous breakthroughs in blockchain infrastructure and the integration of AI and IoT creating more digital assets suitable for tokenization [2] - Asset tokenization is expanding from the financial sector to broader industries such as renewable energy and computing power, shifting from serving on-chain investments to supporting real industry financing [2] Group 3: Key Growth Engines in Web3 - Asset tokenization and token payments are seen as key growth engines in the Web3 space, facilitating the deep integration of the crypto economy with the real economy [3] - The company emphasizes that compliance is crucial for innovation, clearly defining boundaries to avoid issuing virtual currencies or engaging in speculative activities [3] Group 4: Long-term Exploration and Value Creation - The focus is on technological infrastructure to serve industries rather than disrupt them, aiming to create new value rather than compete for existing resources [4] - Continuous exploration and research are deemed essential for understanding value and risk, prioritizing stability and long-term progress over rapid innovation [4]

Core Insights - Ant Group's CEO, Han Xinyi, emphasized the importance of specialized AI models in the healthcare sector, stating that general models cannot easily replace them due to the unique requirements of medical applications [1][3] - The company aims to address critical issues such as data quality, hallucination suppression, and medical ethics to enhance AI's role as a supportive tool for doctors rather than a replacement [4][5] Group 1: AI in Healthcare - Ant Group is focusing on AI in healthcare due to the dual characteristics of "urgent need + high frequency," combining low-frequency medical actions with high-frequency health management [3] - The ultimate goal of AI in healthcare is to provide personalized, precise, and reliable recommendations akin to those of professional doctors, which general models will struggle to achieve for a considerable time [3][4] Group 2: Challenges in AI Implementation - High-quality data is fundamental, with costs for data labeling and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts to ensure quality [4] - Suppressing hallucinations in AI models is challenging, as it requires balancing error reduction without compromising service capability [4] - Medical ethics is a complex issue, prompting Ant Group to establish a Medical Ethics Advisory Committee to explore regulations collaboratively with top experts in the field [4] Group 3: Market Position and Future Plans - The healthcare market is valued at trillions, but Ant Group is not rushing into commercialization; instead, it is prioritizing the accumulation of professional data, hallucination suppression, and ethical considerations [4][5] - As of June 2023, Ant Group launched the AI Health Manager AQ, which has served over 140 million users, connected with more than 5,000 hospitals, and assisted nearly 100,000 real doctors [5]

Core Viewpoint - Ant Group is focusing on the application of AI in the healthcare sector, emphasizing the importance of specialized models over general models due to the unique requirements of medical services [1][4]. Group 1: AI in Healthcare - Ant Group's CEO highlighted that the dual characteristics of "urgent need + high frequency" in healthcare make it a suitable area for AI development [3]. - The ultimate goal of AI in healthcare is to provide personalized, precise, and trustworthy recommendations akin to professional doctors, which general models will struggle to achieve in the near term [4]. - Ant Group aims to assist doctors by expanding their capabilities and establishing a medical health laboratory for advanced explorations in AI-enabled multidisciplinary consultations [4]. Group 2: Challenges in AI Healthcare - The company faces three core challenges in AI healthcare: high-quality data acquisition, managing hallucinations in AI outputs, and addressing medical ethics [5]. - High-quality data is crucial, with costs for data labeling and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts to ensure quality [5]. - Managing hallucinations involves balancing the reduction of errors without compromising the model's service capabilities, which requires extensive refinement [5]. - To tackle medical ethics, Ant Group has established a medical ethics advisory committee to explore regulations collaboratively with top experts in the field [5]. Group 3: Market Potential and Strategy - The healthcare market is valued at trillions, but Ant Group is not rushing into commercialization; instead, it is focusing on building professional data accumulation, managing model hallucinations, and developing ethical frameworks [6]. - As of June 2023, Ant Group has accelerated its exploration of AI in healthcare, launching the AI Health Manager AQ, which has served over 140 million users and connected with more than 5,000 hospitals and nearly 1 million real doctors [6].

Core Viewpoint - Ant Group is initiating a significant experiment to tokenize China's energy infrastructure valued at 60 billion RMB (approximately 8.4 billion USD) on its proprietary blockchain network, marking a milestone in the tokenization of real-world assets (RWA) and showcasing the potential of integrating traditional industries with digital finance [1]. Group 1: Project Overview - The project is spearheaded by Ant Digital Technologies, a subsidiary of Ant Group, which is utilizing its AntChain platform to connect and monitor renewable energy assets across China, including around 15 million renewable energy devices [4]. - The data collected from these devices, such as power generation and operational status, is recorded on the blockchain, ensuring immutability and transparency, which lays a solid foundation for the subsequent tokenization of these assets [4]. Group 2: Financial Achievements - Ant Digital Technologies has successfully implemented this model in practice, raising approximately 300 million RMB (around 42 million USD) through three clean energy projects [6]. - In August 2023, the company assisted Longshine Technology Group in tokenizing over 9,000 charging stations, securing 100 million RMB (about 14 million USD) in financing from an overseas bank [6]. - In December 2023, Ant Digital helped GCL Energy Technology tokenize its photovoltaic assets, raising an additional 200 million RMB (approximately 28 million USD) from foreign investors, demonstrating the commercial viability of this model [6]. Group 3: Future Aspirations - Ant Group aims to list these energy tokens on decentralized exchanges (DEX) abroad, creating a global, liquid secondary market for investors to easily access China's green energy sector [6]. - The long-term vision includes expanding financing channels and enhancing asset value through this global market access [6]. Group 4: Challenges and Regulatory Landscape - The project faces significant challenges, particularly regarding regulatory approval for listing tokens on foreign exchanges, given China's cautious stance on cryptocurrencies and capital flows [7]. - Experts suggest that even if the tokens are successfully issued, the initial market may be dominated by institutional and professional investors rather than retail participants, alongside liquidity issues commonly faced by RWA projects [7]. Group 5: Broader Strategic Initiatives - Ant Group is pursuing a dual strategy in the Web3 ecosystem, including plans to issue stablecoins, which can facilitate RWA transactions and settlements, creating a cohesive digital financial ecosystem [9]. - The company is also aligned with the strategic direction of Yunfeng Financial, co-founded by Jack Ma, which is actively exploring RWA applications and has invested in Ethereum (ETH) as a strategic reserve [9]. Group 6: Conclusion - Ant Group's initiative to tokenize 60 billion RMB of energy assets represents one of the most ambitious attempts globally to integrate industrial assets with blockchain technology, providing a visionary model for leveraging technology to revitalize traditional assets and empower green finance [9][10]. - The ongoing developments are expected to have profound implications for the global financial and energy sectors [10].

Core Insights - Ant Group's CEO, Han Xinyi, emphasized the importance of specialized AI models in the healthcare sector, stating that general models cannot replace them in the short term [1][2] - The company aims to address key issues such as data quality, hallucination suppression, and medical ethics to enhance AI's role as a supportive tool for doctors rather than a replacement [2][3] Group 1: AI in Healthcare - Ant Group is focusing on the dual characteristics of "urgent need + high frequency" in healthcare, combining low-frequency medical actions with high-frequency health management to create a fertile ground for AI services [2] - The ultimate goal of AI in healthcare is to provide personalized, precise, and trustworthy recommendations akin to those of professional doctors, which general models will struggle to achieve for a considerable time [2][3] - Han Xinyi firmly stated that AI will not replace doctors in the foreseeable future but will serve as an assistant, helping specialists expand their capabilities and allowing primary care physicians to have better support [2][3] Group 2: Challenges in AI Healthcare Implementation - High-quality data is essential, with costs for data labeling and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts to ensure quality [3] - Suppressing hallucinations in AI models is a significant challenge, where the goal is to reduce errors without compromising service capabilities, necessitating careful balancing [3] - Medical ethics presents a complex challenge, prompting Ant Group to establish a Medical Ethics Advisory Committee to explore regulations collaboratively with top experts in the field [3] Group 3: Market Position and Future Plans - The healthcare market is valued at trillions, but Ant Group is not rushing into commercialization; instead, it is prioritizing the accumulation of professional data, hallucination suppression, and ethical standards [3] - As of June 2023, Ant Group launched the AI Health Manager AQ, which has served over 140 million users, connected with more than 5,000 hospitals, and assisted nearly 1 million real doctors [5]

Group 1 - The core viewpoint emphasizes that the future of token economy must be rooted in the real economy to truly release value [1] - The global scale of Web3 native assets has exceeded $3.8 trillion, but most of it is still focused on speculative trading and value storage, lacking deep interaction with the real industry [1] - Ant Group has been exploring the token economy, particularly through RWA sandbox practices, aiming to anchor real value and enhance efficient circulation and value interconnection in the real economy [1] Group 2 - "Asset tokenization" and "token payment" are seen as key growth engines in the Web3 field, promoting deep integration between the crypto economy and the real economy [2] - Compliance is considered the lifeline of innovation, with Ant Group clearly defining boundaries from the beginning: no issuance of virtual currencies and no participation in any form of speculation [2] - The understanding of value and risk is still evolving, and long-term exploration and research are deemed more important than merely seeking speed and novelty [2]

Core Viewpoint - Ant Group is focusing on the application of AI in the healthcare sector, emphasizing the importance of specialized models over general models due to the unique requirements of medical services [1][3]. Group 1: AI in Healthcare - Ant Group's CEO highlighted the dual characteristics of "urgent need + high frequency" in healthcare, where health management is a high-frequency demand despite medical services being low-frequency [3]. - The ultimate goal of AI in healthcare is to provide personalized, precise, and trustworthy recommendations akin to professional doctors, which general models will struggle to achieve in the near term [3][4]. - The company believes that AI will not replace doctors but will serve as an essential assistant, enhancing the capabilities of specialists and supporting primary care physicians [3][5]. Group 2: Challenges in AI Healthcare Implementation - High-quality data is fundamental, with the cost of data annotation and training potentially exceeding hundreds of dollars per data point, requiring involvement from senior medical experts to ensure quality [4]. - A significant challenge is to suppress hallucinations in AI models without compromising their service capabilities, necessitating a careful balance [4]. - Ethical considerations in AI healthcare are complex, prompting Ant Group to establish a Medical Ethics Advisory Committee to explore regulations collaboratively with top medical experts [5]. Group 3: Future Directions - Ant Group is not rushing towards commercialization but is instead focusing on accumulating professional data, addressing hallucination suppression, and building medical ethics frameworks [5]. - Since 2023, Ant Group has accelerated its exploration of AI in healthcare, launching the AI Health Manager AQ, which has connected over 5,000 hospitals and nearly 1 million real doctors, serving over 140 million users [5].

Core Viewpoint - The CEO of Ant Group, Han Xinyi, emphasized that the token economy must transition from being a mere object of value storage and speculative trading in the virtual world to a tool that addresses trust, efficiency, and cost issues in the real economy to create a sustainable and valuable ecosystem [1] Group 1 - The future of the token economy must be deeply rooted in the real economy to truly unleash its value [1] - The exploration of tokenization should balance the pursuit of value in the token economy with risk prevention [1]