Mei Ri Jing Ji Xin Wen·2025-12-21 07:05Core Insights - The active user base of securities apps increased by 2.06% month-on-month to 172 million in November 2025, ending a continuous decline [1][5] - The industry is shifting from a focus on traffic competition to an AI-centric service ecosystem, aiming to build user value and trust amid market volatility [1][4] User Engagement Trends - In November 2025, the A-share market exhibited characteristics of "highs followed by pullbacks and volume consolidation," with a notable divergence in market sentiment and investor behavior [1][2] - New account openings reached 2.3814 million, a month-on-month increase of 3.1%, while daily trading volume decreased by approximately 11% [1][2] Competitive Landscape - The top three securities apps by active users in November 2025 were Huatai Securities' "Zhangle Wealth" with 11.8149 million, Guotai Junan's "Junhong" with 10.1848 million, and Ping An Securities with 8.7001 million [2][3] - A total of 11 apps surpassed 6 million monthly active users, indicating a stable competitive landscape among leading brokerage apps [2][3] Strategic Shifts in App Development - The operational strategy of brokerage apps is transitioning from passive tools to AI-native proactive partners, reflecting a systemic restructuring of service concepts and user relationships [3][4] - Leading firms are focusing on intelligent services, with examples including Huatai Securities' AI-driven app and Guotai Junan's dual strategy of launching an independent AI app while enhancing their main app with AI capabilities [3][4] Industry Evolution - The upgrades in app functionalities highlight a fundamental change in competitive dimensions, emphasizing the importance of integrating AI depth, user experience warmth, and operational finesse to convert short-term user interest into long-term trust [4]