彭博专访：SNOW量化中国负责人李斌谈AI投资新趋势与用户认可之道

Core Insights - The core viewpoint of the article emphasizes the trend of "AI democratization" in quantitative investing, making it accessible to a broader audience beyond institutional investors [1][2]. Group 1: Trends in Quantitative Investing - The significant trends identified include a mobile computing revolution, natural language interaction, and real-time market adaptation, which collectively enhance user experience and investment strategy execution [1]. - The company has developed features that address common user pain points, such as simplifying complex terminology, lowering investment thresholds, and automating investment processes [1]. Group 2: Target Demographics - The company has seen particular popularity among the elderly demographic, with 1.8 million users aged 60 and above, driven by user-friendly design changes and a dedicated "senior-friendly lab" [2]. - Key improvements for older users include enhanced audio features, larger button sizes, and remote account access for family members [2]. Group 3: Regulatory Compliance - In response to increasing global regulatory scrutiny, the company has implemented a dual-track system for compliance, including collaboration with Tsinghua University to develop an AI regulatory sandbox [2]. - The introduction of a "cooling-off period" before large transactions has reportedly reduced impulsive trading by 83% [2]. Group 4: Future Developments - The company is testing a "lifestyle investment" system that integrates personal goals with investment strategies, aiming to make financial services more relevant to everyday life [2]. - The use of AI tools is shown to significantly increase users' willingness to learn about investing, positioning AI as an educational tool rather than a replacement for human investors [2]. Group 5: Company Philosophy - The company's success is attributed to its focus on addressing real user needs rather than merely pursuing advanced technology, highlighting a deep understanding of human behavior in the quantitative investment space [9].