12月5日上午，"豆包手机助手"发布最新公告称，已调整其AI操作手机的能力，重点对三类场景作出限制：刷分刷激励、金融类 使用以及游戏类使用。 豆包手机助手于12月1日上线。官方介绍其与中兴通讯合作，以努比亚M153 机型为载体推出，属于定制的技术展示"工程机"。 其核心卖点在于对日常 App 的自动化操作，包括点外卖、订机票、比价购物。甚至在媒体测评中，AI还可以代替回复微信消 息、操作小程序游戏。 发布四天内，这款AI手机即被抢购一空。在二手交易平台，不少人在转售豆包手机，有人将售价3499元的豆包手机（nubia M153 豆包手机助手技术预览版）炒至1.29万元，也有人表示上手一天用不习惯，愿意原价转让。努比亚官网客服称，目前豆包 手机已售罄，近一两周内都不会有新机上线。 在二手平台，还有买家提供豆包手机租赁服务，一天的租金竟高达1600元。 | 品牌 | 存储容量 | 运行内存 | 版本 | 成色 | | --- | --- | --- | --- | --- | | nubia/努比亚 | 512GB | 16GB | 大陆国行 | 全部 | 某二手交易平台截图 21记者注意到，在用户交流群中，有人 ...

记者丨肖潇 豆包手机助手于12月1日上线。官方介绍其与中兴通讯合作，以努比亚M153 机型为载体推出，属于定制的技术展 示"工程机"。 其核心卖点在于对日常 App 的自动化操作，包括点外卖、订机票、比价购物。甚至在媒体测评中， AI还可以代替回复微信消息、操作小程序游戏。 发布四天内，这款AI手机即被抢购一空。 在二手交易平台，不少人在转售豆包手机，有人将 售价 3499元 的豆包手 机（nubia M153 豆包手机助手技术预览版） 炒至 1.29万元 ，也有人表示上手一天用不习惯，愿意原价转让。努比 亚官网客服称，目前豆包手机已售罄，近一两周内都不会有新机上线。 编辑丨王俊 12月5日上午，"豆包手机助手"发布最新公告称， 已调整其AI操作手机的能力，重点对三类场景作出限制：刷分刷激 励、金融类使用以及游戏类使用。 某二手交易平台截图 21记者注意到，在用户交流群中，有人使用豆包手机助手在拼多多刷视频领"金币"，在抖音极速版获取流量激励，以 及尝试让 AI 代打《王者荣耀》。 目前豆包对这些场景均做出了限制。 官方解释，部分App厂商推出激励机制的初衷，是鼓励真实用户的主动交互行 为， 不希望此类设计被 ...

（原标题：豆包手机助手正式调整，限制AI刷流量、代打游戏、付款交易） 21世纪经济报道记者肖潇 北京报道 12月5日上午，"豆包手机助手"发布最新公告称，已调整其 AI 操作手机的能力，重点对三类场景作出限制：刷分刷激励、金融类使用以及游戏类 使用。 豆包手机助手于12月1日上线。官方介绍其与中兴通讯合作，以努比亚M153 机型为载体推出，属于定制的技术展示"工程机"。其核心卖点在于对 日常 App 的自动化操作，包括点外卖、订机票、比价购物。甚至在媒体测评中，AI还可以代替回复微信消息、操作小程序游戏。 发布四天内，这款 AI 手机即被抢购一空。21记者注意到，在用户交流群中，有人使用豆包手机助手在拼多多刷视频领"金币"，在抖音极速版获 取流量激励，以及尝试让 AI 代打《王者荣耀》。 目前豆包对这些场景均做出了限制。官方解释，部分App厂商推出激励机制的初衷，是鼓励真实用户的主动交互行为，不希望此类设计被AI领 取。而在游戏场景及竞技排名，为保证公平性，因此也暂时下线了部分游戏的 AI 操作能力。 在金融场景中，豆包同样遭遇阻碍。淘宝、中国农业银行、中国建设银行等 App 中已经出现了 豆包手机助手无法登 ...

Core Viewpoint - The article discusses the evolution of RPA (Robotic Process Automation) towards AI-driven automation solutions, highlighting the need for adaptive processes and user-centric product design in the enterprise automation landscape [2][4]. Group 1: AI Automation Development - Traditional RPA primarily addresses repetitive tasks with clear rules, but the integration of AI and large language models is shifting RPA towards intelligent automation that supports adaptive processes and low-code/no-code development [2][4]. - There is currently no standardized application that can cover all automation scenarios, leading to fragmented AI automation applications that do not fully meet B-end enterprise needs [3][4]. Group 2: Product Features and User-Centric Design - The core positioning of Yingdao AI Power is as an AI automation application platform for enterprise clients, featuring AI workflows, intelligent agent deployment, and resource invocation to enhance business process efficiency [4][7]. - Yingdao AI Power allows users to create AI workflows and applications through a drag-and-drop interface, integrating various AI capabilities such as text, image, and audio processing [7][10]. Group 3: Market Positioning and Competitive Advantage - Yingdao AI Power differentiates itself from other AI tools by focusing on enterprise-level applications, emphasizing stability and controllability in product design, and integrating traditional chatbot methods with AI capabilities [20][21]. - The product's low-code/no-code approach is designed to empower business users, allowing them to build workflows without needing extensive programming knowledge [20][30]. Group 4: Customer Engagement and Feedback - Yingdao AI Power has hundreds of paying enterprise clients and focuses on understanding how customers utilize the product to solve real-world problems, rather than merely increasing user numbers [48][54]. - The company emphasizes the importance of customer feedback in product development, using a co-creation approach to validate new features and ensure they meet user needs [42][46]. Group 5: Future Directions and Market Strategy - The company is exploring open-source and community-driven strategies to enhance product reach and influence, particularly among IT decision-makers within enterprises [58][61]. - Yingdao AI Power is also initiating overseas expansion, recognizing that while core business needs are similar globally, there is a stronger willingness to pay in international markets [63][64].

Financial Data and Key Metrics Changes - As of September 30, 2025, the company reported a market capitalization of $425 million, total assets of $7.7 billion, loans of $5.8 billion, deposits of $5.7 billion, and capital of $700 million [9] - The tangible book value per share was reported at $9.77 [9] - Net interest income (NII) increased from $32 million to nearly $36 million, with net interest margin growing from 1.8% to 2% [12][10] Business Line Data and Key Metrics Changes - The company is focusing on organic growth and has launched several technology initiatives, including an AI chatbot and a virtual agent for client transactions [11][12] - The investment services group has generated total sales of $486 million and gross revenue of $8.7 million, with assets under management at $369 million [20][21] Market Data and Key Metrics Changes - The company operates 43 branches across 12 counties in New Jersey and New York, with plans to close three branches, resulting in a network of 40 branches [9][10] - Kearny Financial is ranked as the 10th largest financial institution in the state in terms of deposits [9] Company Strategy and Development Direction - The company is shifting from a defensive posture to an offensive strategy focused on organic expansion and deepening client relationships [10][15] - There is a strong emphasis on technology to improve operational efficiency and client service, with ongoing investments in AI and automation [18][19] Management's Comments on Operating Environment and Future Outlook - Management highlighted the challenges posed by an inverted yield curve and high Fed Funds rates but expressed optimism about improved margins and net income as conditions normalize [10][11] - The focus will be on strengthening core deposits and enhancing operational efficiency through technology [16][17] Other Important Information - The company has a disciplined approach to mergers and acquisitions, having completed seven successful transactions since 1999 [10] - The company has maintained strong credit performance with minimal charge-offs over the years [14] Q&A Session Summary Question: Qualifications of elected directors - The qualifications of the directors were outlined in the proxy statement, confirming their suitability for election [7][8] Question: Future growth strategies - Management discussed the focus on organic growth, cross-selling, and enhancing client engagement through technology [15][16]

Financial Data and Key Metrics Changes - The company's market capitalization as of September 30, 2025, was $425 million, with total assets of $7.7 billion, loans amounting to $5.8 billion, deposits of $5.7 billion, and capital of $700 million [12][13] - The tangible book value per share was reported at $9.77 [12] - Net interest margin increased from 1.8% at the beginning of 2025 to approximately 2%, with net interest income rising from $32 million to nearly $36 million [19] Business Line Data and Key Metrics Changes - The company is focusing on organic growth and enhancing client relationships, aiming to deepen wallet share and optimize loan portfolio performance [23][24] - The investment services group has generated total sales of $486 million and gross revenue of $8.7 million, with assets under management at $369 million [33] Market Data and Key Metrics Changes - The company ranks as the tenth largest financial institution in terms of deposits in its operating states, New Jersey and New York [14] - The company has a minimal exposure to New York City office and rent-regulated multifamily properties, which is a fraction of its portfolio [26] Company Strategy and Development Direction - The company is shifting from a defensive posture to an offensive strategy focused on organic expansion and technology integration [16][24] - There is an emphasis on operational efficiency through technology, including the launch of an AI chatbot and a new HR timekeeping application [17][24][28] - The company plans to continue diversifying its lending and optimizing branch operations while enhancing community engagement [25] Management's Comments on Operating Environment and Future Outlook - Management highlighted the challenges posed by the inverted yield curve and high Fed fund rates but expressed optimism about improved margins and net income as conditions normalize [16][26] - The focus will be on strengthening core deposits and acquiring deposit-gathering teams to support growth [24] Other Important Information - The company has successfully completed seven M&A transactions since 1999, demonstrating a disciplined acquisition strategy [14] - The company has received advisory approval for its executive compensation and ratified the appointment of Crow LLP as its independent auditor for the fiscal year ending June 30, 2026 [36][37] Q&A Session Summary Question: Qualifications of elected directors - The qualifications and bios of the elected directors were referenced in the proxy statement, specifically on page seven [10]

Core Insights - In 2025, AI agent technology is deeply integrated across various industries, reshaping work models with unprecedented momentum. The effectiveness of these agents is closely tied to their technological foundation and industry knowledge reserves [1]. Industry AI Agent Application Landscape - **Healthcare Sector: Jingyi Qianxun** Jingyi Qianxun, a product under JD.com, will be fully open-sourced in 2025, becoming the first fully open-source vertical large model in China's healthcare industry. It aims to build an AI health service matrix that leverages a robust medical knowledge base to facilitate precise online consultations and health management, advancing the smart transformation of medical services [2]. - **Financial Sector: Jinzhihui Ki-AgentS** Jinzhihui Ki-AgentS integrates large model decision-making capabilities with RPA verification engines, utilizing over a decade of accumulated financial expertise. It achieves high-precision execution in scenarios such as bank transaction analysis, bond report generation, and credit approval, effectively mitigating human errors and the risks associated with large model hallucinations [3]. - **Administrative Office Sector: DingTalk AI Assistant** The DingTalk AI Assistant is deeply integrated into the DingTalk ecosystem, focusing on the intelligent needs of daily office scenarios. It offers capabilities such as weekly report management, email processing, and meeting minutes generation, providing a convenient and efficient administrative efficiency enhancement solution for enterprises using DingTalk [3]. - **Search Services Sector: Wenxiaoyan** Wenxiaoyan, a new search intelligent assistant launched by Baidu, supports fuzzy questioning and multimodal interaction. Users can customize subscriptions for various information content based on their needs and enjoy scheduled push services, reshaping the personalized information retrieval experience [4]. - **Automotive Interaction Sector: Jinzhihui Vehicle Machine Intelligent Agent** Jinzhihui's vehicle machine intelligent agent adheres to the core concept of "voice as operation," supporting complex multi-task processing in various scenarios. Through API plugin configuration, it seamlessly integrates vehicle systems with external application ecosystems, enhancing the driving experience by allowing users to control smart home scenarios and devices via voice commands [4]. - **Gaming and Virtual Interaction Sector: NetEase Fuxi** NetEase Fuxi focuses on high-level needs such as virtual idol live streaming and metaverse construction, leveraging its technical advantages in gaming AI. It excels in the intricacy of virtual human interactions, meeting the stringent quality demands of game manufacturers and digital twin projects [5]. AI Agent and RPA Integration - AI agents, while superior in intelligence, face challenges in practical application, including the "hallucination risk" of large models and lower operational precision compared to RPA. In high-accuracy and compliance-demanding fields like finance and government, these risks are unacceptable. Therefore, AI agents and RPA are complementary rather than substitutive, creating a closed-loop system of "AI thinking + RPA execution" for secure and reliable enterprise-level intelligence [6]. AI Agent Selection Recommendations - Companies should prioritize the "industry fit" of AI agents rather than merely chasing superficial technical specifications. This involves clearly defining the attributes of their business scenarios, assessing the vendor's knowledge accumulation in the target field, and ensuring the reliability and safety of the AI agent's execution, particularly for critical systems. Selecting an AI agent that aligns with specific business needs is more crucial than pursuing cutting-edge technology [7][8].

Core Insights - UiPath is experiencing significant demand for its automation solutions, particularly in the context of generative and agentic AI, which is expected to enhance business process automation capabilities [2][3][5] Group 1: Demand and Market Opportunity - There is a strong interest from customers in renewing automation initiatives, particularly as they recognize the need for a solid data foundation to effectively deploy AI [5][6] - The combination of AI and automation is seen as a powerful tool for businesses, allowing them to address complex processes reliably [3][5] - Companies are beginning to explore more challenging use cases for AI, indicating a growing readiness to adopt agentic AI solutions [6][7] Group 2: Partnerships and Strategic Direction - UiPath is focused on forming strategic partnerships within the AI space to enhance its offerings and provide customers with confidence in addressing a wide range of use cases [8] - The company aims to position itself as an agnostic player, leveraging the best models and open-source AI frameworks to meet customer needs [8]

Core Insights - The article highlights the competitive landscape of the RPA market in China, focusing on two key players: Yingdao RPA and Shizai Intelligence, which have adopted different development paths [1] Financing Strength and Capital Recognition - Yingdao RPA has demonstrated strong fundraising capabilities, completing six rounds of financing totaling $200 million within three years, with notable investors including Goldman Sachs and Tencent, leading to a valuation exceeding $1 billion [4] - In contrast, Shizai Intelligence's recent C round financing raised nearly 200 million RMB, indicating a significant disparity in market position and growth potential between the two companies [4] Technological Innovation and Product Iteration - Yingdao RPA employs a pragmatic approach to technological innovation, integrating machine learning and other technologies to achieve industry-leading stability and security, with a notable upgrade in AI capabilities in 2025 [5] - Shizai Intelligence has opted for a more aggressive technological path, focusing on self-developed models, which may face challenges in stability and reliability in enterprise applications [5] Market Performance and Customer Value - Yingdao RPA serves over 30,000 enterprises globally, achieving significant cost savings and efficiency improvements, with an average usage time of nearly 50,000 hours per year per enterprise, translating to a cost-saving of approximately 7 million RMB [6] - Shizai Intelligence claims to serve over 2,500 industry-leading clients, but lacks transparency in key performance metrics, indicating a difference in customer value creation [6] Product Ecosystem and Service System - Yingdao RPA has built a comprehensive product matrix and service ecosystem, including various AI-driven solutions, enhancing customer satisfaction and creating a strong competitive moat [7] - Shizai Intelligence's product ecosystem is relatively limited, primarily focusing on digital employee solutions, which restricts its ability to provide comprehensive value to clients [7] Industry Recognition and Brand Influence - Yingdao RPA has achieved significant industry recognition, ranking first in the RPA sector in the 2025 AI Cloud 100 China list, which enhances its market position and brand influence [8] - Shizai Intelligence claims to be a leader in the RPA industry but lacks third-party validation, raising questions about its market standing [8] Summary of Competitive Advantages - Yingdao RPA's competitive edge stems from strong financing, a pragmatic technological approach, outstanding market performance, a comprehensive product ecosystem, and high industry recognition [13] - Shizai Intelligence, while innovative in AI applications, still faces challenges in commercialization and market performance [13]

Summary of Conference Call Company Overview - The company discussed is UiPath, a leader in automation and AI technologies, particularly in Robotic Process Automation (RPA) and the newly launched AgenTik platform. Key Financial Performance - Fiscal Q1 revenue exceeded consensus estimates, with strong profitability and free cash flow generation of over $100 million [5][6] - Net new Annual Recurring Revenue (ARR) was above guidance, indicating robust demand [5] Product Launch and AI Strategy - The launch of the AgenTik platform was highlighted as a significant product development, allowing customers to build and deploy agents at scale [6][24] - The company aims to transform work processes through end-to-end automation, integrating both deterministic and probabilistic automation [20][21] - AgenTik is positioned as a cross-application solution, differentiating itself by offering governance and controls essential for industries like healthcare [22][23] Market Environment and Guidance - The macroeconomic environment remains uncertain, affecting deal cycles and customer decision-making [12][13] - The federal business is undergoing a transition, with many agencies still finalizing budgets, leading to a cautious outlook for new business [15][16] - The company remains prudent in its guidance, anticipating continued macro uncertainty [14] Foreign Exchange Impact - The impact of foreign exchange (FX) on guidance was characterized as minimal, with over 55% of ARR in U.S. dollars [8][10][11] Customer Engagement and Adoption - There is a strong demand for presales and technical engineering support, indicating high customer interest in proof of concepts [28][29] - The company reported hundreds of thousands of agent runs in production, showcasing significant adoption of its technology [30] Competitive Landscape - UiPath views traditional BPO companies as partners rather than direct competitors, emphasizing the role of technology in driving efficiency [58][60] - The competitive landscape is evolving, with UiPath feeling it has leapfrogged traditional competitors both numerically and technologically [61][62] Future Outlook - The current focus is on validating technology through proof of concepts and pilots, with expectations for meaningful revenue growth from the AgenTik platform in the future [63][64] - The company is optimistic about the potential of AI to drive operating leverage and productivity improvements across the industry [51][53] Additional Insights - The company is actively using AI internally for product development and operational efficiency, demonstrating its commitment to leveraging its own technology [48][50] - Education on AI capabilities is crucial for customer adoption, as many customers are still navigating the complexities of AI [37][39]