Core Viewpoint - The article highlights the increasing consumer complaints regarding credit card marketing harassment, particularly through phone calls, and the challenges faced by banks in balancing performance and user experience amid regulatory scrutiny [1][3][4]. Group 1: Consumer Complaints - Daily, consumers receive 2 to 3 promotional calls, with some experiencing harassment late at night from AI customer service [1][2]. - In 2024, credit card complaints surged, with over 14,000 complaints on third-party platforms, indicating a significant issue in the industry [2][8]. - Major banks reported a dramatic increase in credit card-related complaints, with China Merchants Bank seeing a 89% rise from 29,100 to 55,100 complaints year-on-year [7][11]. Group 2: Marketing Strategies - Banks are facing pressure to increase credit card issuance, which has been declining for nine consecutive quarters, leading to aggressive marketing tactics [11][12]. - The traditional "scattergun" marketing approach is criticized for lacking precision and failing to meet user needs, resulting in consumer dissatisfaction [12][18]. - The rise of AI outbound calling technology has exacerbated the issue, with banks increasingly relying on automated systems for marketing, which often leads to consumer annoyance [13][14]. Group 3: Regulatory Environment - The implementation of new credit card regulations in July 2024 aims to address market irregularities and enhance consumer protection, yet complaints continue to rise [4][19]. - Legal frameworks, such as the Civil Code, provide consumers with avenues for recourse against harassment, as demonstrated by a successful lawsuit against a bank for privacy violations [18][21]. - Regulatory bodies are intensifying oversight, with significant fines imposed on banks for non-compliance in marketing practices [19][20]. Group 4: Recommendations for Improvement - Experts suggest that financial institutions should shift away from invasive marketing practices and adopt a more consumer-friendly approach [21][22]. - Recommendations include implementing precise marketing strategies using data analytics to target appropriate customer segments and enhancing customer service training to improve communication [22].

近日，京东言犀大模型外呼正式上线。在原有AI外呼产品基础上，接入最新大模型能力和调用Agent的能力，能够处理更加复杂个性化的用户需求。无论 是应对用户在通话中的情绪反馈，还是面对需要长链条推理的高阶问题，言犀大模型外呼都能游刃有余。 目前，零售、金融、健康等行业客户已经利用这一工具，大规模实现个性化用户沟通和营销。大模型的加持正在让AI外呼突破能力天花板。 截至目前，言犀AI外呼已经带动商家GMV累计增长超500亿元。 伴随大模型的发展，越来越广阔的交互场景需求被打开，电商场景希望将用户使用反馈转化为二次营销机会。举例来说，健康场景中商家希望用专业的知 识储备构建用户信任感；政务场景中，商家希望从政策通知升级为民生服务解读。这些"个性化"需求，一方面令AI外呼配置工作难度呈指数级上升，一方 面对AI在意图理解、情绪感知、交互策略能力提出了更高阶的要求。 如果说，传统AI外呼是停留在执行层的领域任务专家，全新迭代后的大模型外呼则可以被看作具备主动思考能力的"全能顾问"。 言犀大模型外呼提出业界领先的同源大模型端到端架构、实时流式生成文本及音频等技术，仅需通过提示词即可一键搭建外呼Agent，凭借言犀大模型 T ...