Core Insights - The A-share market is experiencing increased activity, prompting brokerages to focus on upgrading their trading apps, particularly through AI integration [2][3] - Leading brokerages are adopting an "All in AI" strategy, aiming to transform service models from standardized offerings to intelligent customization [3][4] - The competition among brokerages has shifted from merely adding features to a customer-centric service logic reconstruction, emphasizing the integration of AI throughout the app [5] Industry Trends - The number of active users for securities apps is projected to reach 988 million by mid-2025, with a year-on-year growth of 15.92% [4] - The focus of recent updates in securities apps includes functionality optimization, user experience enhancement, and the addition of new intelligent features [4] - The ability to provide intelligent services is becoming a key competitive advantage, with top brokerages enhancing their AI capabilities to improve user retention [4][5] Technological Developments - Major brokerages like Guotai Junan and GF Securities are leading the way in AI integration, with Guotai Junan launching the first fully AI-driven app [3][6] - Smaller brokerages are also entering the AI space, with products like Jianghai Securities' "Combination Home" app focusing on active thematic investments [3][6] - The development of AI-driven advisory services aims to address traditional limitations in wealth management, such as service radius and personalized investment needs [6][7] Target Demographics - The Z generation, defined as individuals born between 1995 and 2009, is reshaping brokerage services with their unique demands for AI functionalities that are scenario-based, personalized, social, and gamified [8][9] - Z generation investors prefer non-intrusive interactions, seeking a seamless experience that avoids excessive notifications while providing valuable insights [8][9] - Brokerages are creating innovative platforms and engaging content to attract younger clients, such as GF Securities' "Yuanshi Stock" app and Galaxy Securities' "Manta" app [8][9]

【导读】以AI破解服务痛点，瞄准Z世代新需求行情来了！券商App升级忙 中国基金报记者 孙越 赵心怡 近期， A股市场活跃度显著提升，成交量温和放大，热点板块轮动活跃。面对这一积极信号，嗅觉灵敏的券商积极布局，将"战场"聚焦于 投资者日常使用最频繁的移动端——证券交易App，掀起了一波密集的"迭代升级潮"。 头部券商 "All in AI"战略领跑，中小机构加速入局。在行业集体加码AI的竞赛中，如何通过技术赋能实现从"功能升级"到"服务重构"的质 变？这成为业界关注的焦点。受访人士表示，突破传统功能堆砌，构建真正以智能驱动、懂用户、懂业务的交易平台，成为券商接住"流 量"、赢得用户的关键。 行情来了，券商 App勤迭代 A股市场渐趋活跃，券商纷纷忙着升级自家的交易App。记者注意到，今年以来，头部券商动作频频，AI深度融入其应用架构。 例如，国泰海通提出 "All in AI"策略，并发布行业首个全AI智能App——国泰海通灵犀，旨在解决综合App体量大、功能复杂等问题，实现 服务模式从"标准化供给"向"智能化定制"的跨越；广发证券易淘金App全面推动"AI+"零售服务架构，构建"天玑智融"大模型服务中枢，升 ...

Core Viewpoint - The A-share market is experiencing a strong upward trend, with the Shanghai Composite Index surpassing 3700 points, indicating a return of bullish sentiment and increased investor confidence [1] Market Dynamics - New investors are entering the market with enthusiasm, but they need to remain cautious of impulsive trading behaviors such as chasing prices and frequent transactions, which can lead to losses during market volatility [5][6] - Historical data shows that during rapid market increases, a significant majority of ordinary investors may incur losses, while a small percentage of wealthy investors profit, highlighting the importance of disciplined trading strategies [6] Policy and Innovation - The new "National Nine Articles" and accompanying policies emphasize the need for securities firms to focus on serving the real economy and managing residents' wealth [5] - In response, Guojin Securities has launched the "AI Investment Advisor" service, which integrates intelligent algorithms with professional research systems to provide accessible investment advisory services to a broader range of investors [5][7] AI Investment Advisor Features - The "AI Stock Selection" feature generates a pool of recommended stocks based on investor preferences and market conditions, providing real-time monitoring and actionable signals [7][9] - The "AI Fund Selection" feature matches investors with suitable fund strategies based on current market conditions, dynamically adjusting recommendations to optimize investment outcomes [7][9] - The "AI Holding Optimization" function helps investors refine their portfolio structure with updated investment strategies every two weeks, including buy/sell directions and suggested positions [9] Competitive Advantage - Guojin Securities' AI Investment Advisor stands out by offering personalized investment strategies tailored to individual risk profiles and investment horizons, moving from standardized outputs to dynamic customization [9] - The service is backed by over 300 underlying strategies and a strong historical performance record, continuously optimized through deep reinforcement learning algorithms to enhance decision-making [9]

Group 1 - The core viewpoint of the articles highlights the rapid expansion of retail investors in China's capital market, surpassing 220 million, while the traditional advisory model struggles to meet the needs of over 90% of small and medium investors [1][4][6] - Financial technology, particularly AI advisory services, is emerging as a key solution to bridge the service gap, enabling personalized investment guidance for various investor profiles [1][5][6] - The introduction of AI advisory services by Guojin Securities aims to create a comprehensive service matrix that addresses the diverse and evolving needs of investors, enhancing decision-making efficiency [2][3][6] Group 2 - The AI advisory service focuses on optimizing existing portfolios by identifying redundant assets and potential risks, thus helping investors improve their investment strategies [3][4] - Guojin Securities' AI advisory is designed to democratize financial services, allowing small investors to receive tailored asset allocation plans without high capital requirements [5][6] - The shift from a product-centric to a customer-centric approach in the securities industry is emphasized, aiming for a more efficient and professional service experience for investors [6][7]