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].

Core Insights - JD's Yanxi AI outbound model has officially launched, enhancing its capabilities to handle complex and personalized user needs through the integration of advanced large model technology [1][5] - The AI outbound service has already driven over 500 billion yuan in GMV growth for merchants, showcasing its effectiveness in various industries such as retail, finance, and healthcare [3][9] Group 1: Technology and Capabilities - The Yanxi AI outbound service is now equipped with a large model that allows for real-time dynamic voice interaction, capable of generating text and audio instantly based on user prompts [5][6] - It features advanced emotional perception and interaction strategy capabilities, enabling it to respond to user emotions and complex inquiries effectively [4][6] - The service can simulate various personas, enhancing user trust and engagement by maintaining consistent character traits during interactions [7][8] Group 2: User Interaction and Experience - The AI outbound model can generate personalized dialogue content in real-time, adapting to user feedback without relying heavily on pre-set scripts [6][9] - It employs multi-agent collaboration to execute complex user commands, improving the overall interaction experience by accurately understanding and responding to user instructions [8][9] - Post-call analysis allows the model to self-review conversations, providing insights into user behavior and optimizing future interactions [9]