第三款券商AI App来了，长江证券“长小牛”AI App有何创新？

Core Viewpoint - Changjiang Securities has launched the "Chang Xiao Niu" AI App, becoming the third brokerage in the industry to introduce an independent AI application, enhancing the wealth management transformation and providing a more personalized investment experience for users [2][16]. Group 1: AI Application Features - The "Chang Xiao Niu" AI App is designed as an "AI investment partner," focusing on proactive demand prediction, a complete information loop, and innovative features like AI podcasts, breaking away from traditional tool attributes [6][16]. - The app shifts from a passive response model to an active service model, enhancing user experience by predicting needs based on user behavior and market dynamics [4][7]. - It incorporates natural language interaction as a fundamental feature, allowing users to receive tailored investment information seamlessly throughout the trading day [5][9]. Group 2: User Engagement and Personalization - The app aims to create a more engaging experience for younger users by utilizing a youthful visual design and a recognizable IP image, making financial products feel more accessible [6][12]. - "Chang Xiao Niu" employs a local data storage model for user behavior data, ensuring privacy while providing personalized services [8]. - The app features a complete investment information loop, offering concise summaries and real-time updates to help users make informed decisions [9][10]. Group 3: Innovation and Market Position - The introduction of the "AI podcast" feature represents a significant innovation, catering to the information consumption habits of younger users by transforming complex market insights into easy-to-understand dialogues [11][16]. - Changjiang Securities has leveraged its established "Chang Xiao Niu" brand to enhance user acceptance and recognition of the new AI App, creating a strong connection with its audience [12][16]. - The launch of the app signifies a broader industry trend towards integrating AI technology into wealth management, aiming to improve service efficiency and redefine customer relationships [16].