Core Insights - JD Finance announced the upgrade of its AI wealth management product "Jing Xiaobei," evolving from a smart tool to a professional, personalized, and trustworthy "smart financial partner" [1] Group 1: User Understanding and Interaction - Jing Xiaobei addresses traditional smart advisory issues such as generalized strategies and lack of continuous learning by utilizing JD's large model and user memory system to create dynamic user profiles [2] - The system provides personalized insights and human-like interactions, offering tailored analysis and decision-making suggestions while avoiding information overload [2] - A closed-loop mechanism of "output-evaluation-optimization" allows Jing Xiaobei to continuously improve service strategies and adapt to real-time market conditions [2] Group 2: Digital Twin Functionality - The upgrade features the "Digital Twin" capability, allowing users to interact with a digital version of a well-known financial influencer, providing consistent professional responses and strategy suggestions [2] - This functionality expands service coverage and explores new paths for digital reuse of financial IP, establishing a model for intelligent services driven by professional knowledge and personality traits [2] Group 3: Technical Architecture and Strategy - Jing Xiaobei leverages JD's self-developed financial RAG 2.0 engine and multi-agent collaboration to enhance its wealth management capabilities [3] - The system integrates market data, macro policies, and user behavior characteristics to enable real-time reasoning and dynamic strategy optimization, offering personalized solutions [3] - The platform connects the entire "information-analysis-transaction" chain, allowing users to seamlessly access product analysis and purchasing options [3] Group 4: Future Outlook - JD Finance emphasizes that Jing Xiaobei is designed to enhance, not replace, human wealth management capabilities, aiming to democratize professional services through AI technology [3] - The company plans to continue expanding service capabilities and ecosystem connections, deepening the "AI + finance" strategic layout [3]