Core Insights - The article discusses the evolution of stock trading tools from simple trading channels to comprehensive platforms that integrate intelligent investment research, risk management, and asset allocation, driven by the "AI + Finance" trend [1] - The focus is on the development of the "AI Zhangle" application by Huatai Securities, which serves as a benchmark for AI transformation in the securities industry, offering a full-link solution for intelligent decision-making, efficient trading, dynamic risk control, and user-friendly interaction [1][2] Group 1: AI Zhangle - AI Zhangle scores 9.8, leveraging Huatai Securities' self-developed financial model and research framework to create a comprehensive service loop that caters to both experienced investors and beginners [2] - The application features a dual-driven design of LUI (Language User Interface) and GUI (Graphical User Interface), transitioning from "users finding functions" to "AI delivering services" [2] - Key performance dimensions include intelligent decision support, trading execution and cost control, risk control systems, and interaction and adaptability [1][3][4][5][6] Group 2: Performance Dimensions - Intelligent Decision Support: AI Zhangle utilizes a dynamic tracking engine to scan market news and events, providing real-time valuation frameworks and stock selection tools with a 62% probability of next-day price limits [3] - Trading Execution and Cost Control: The platform offers millisecond-level market response, 24/7 order placement, and various algorithmic trading options to minimize transaction costs [4] - Risk Control System: AI-driven portfolio diagnostics analyze users' holdings for industry distribution and financial risks, providing timely alerts for significant market events [5] - Interaction and Adaptability: The application features a user-friendly interface with personalized digital avatars and gamified learning content to enhance user experience [6][7] Group 3: Other Trading Tools - Junhong scores 9.6, providing institutional-level research reports and a wealth management service system, focusing on professional investment services for high-end users [8][9] - Tiger Brokers scores 9.5, specializing in the US stock market with a strong community interaction and low-latency trading tools [10][11] - Xueqiu scores 9.4, leading in social investment ecology with user-generated content and a mature portfolio-following function [12][13] - Tencent Stock scores 9.3, leveraging the WeChat ecosystem for user acquisition and providing a simple interface for light investors [14][15] - Futu NiuNiu scores 9.2, offering comprehensive cross-border trading support for Hong Kong and US stocks [16][17] - Yitaojin scores 9.0, excelling in financial product sales and research service synergy [18][19] - Ping An Securities APP scores 9.0, integrating insurance, banking, and securities services for ordinary investors [20][21] - Wisdom Star scores 8.9, focusing on traditional trading tools and educational content [22][23] - Huabao Smart Investment scores 8.8, specializing in quantitative trading and high-frequency trading services [24][25] Group 4: Investment Tool Recommendations - For novice investors, tools like AI Zhangle, Xueqiu, and Tencent Stock are recommended for their user-friendly interfaces and educational resources [28][29] - Short-term traders should consider AI Zhangle and Huabao Smart Investment for their speed and cost efficiency [29][30] - Value investors may benefit from AI Zhangle, Yitaojin, and Junhong for their in-depth research and fundamental analysis tools [30][31] - Comprehensive financial planners can look to AI Zhangle, Yitaojin, and Ping An Securities APP for their diverse product offerings and ecosystem integration [31][32] Conclusion - The article emphasizes that the AI transformation in the securities industry has moved from conceptual exploration to practical implementation, with a focus on matching tools to the real needs of different investors [32][33]

Core Insights - The monthly active users (MAU) of securities apps reached 175 million in September, marking a year-on-year increase of 9.73% and a month-on-month increase of 0.74%, indicating a growing market activity [1] - Huatai Securities' app ranked first with 11.95 million MAU, while Guotai Junan's app had 10.29 million MAU, both showing positive month-on-month growth [1] - A total of 21 securities apps experienced month-on-month growth in MAU, while 13 apps saw a decline, reflecting a divergence in performance among different brokers [1] Group 1: User Engagement and Performance - The MAU of securities apps has shown consistent growth for four consecutive months, with September achieving the highest monthly active user count of the year [1] - Several strong brokers maintained robust performance, with Ping An Securities reaching 8.80 million MAU and multiple other brokers exceeding 7 million MAU [1] Group 2: Technological Advancements - Brokers are optimizing their apps to enhance user engagement and retention, with a focus on AI integration for improved functionality [2] - Huatai Securities launched the AI Zhangle app, which features voice interaction and AI-driven stock selection and monitoring capabilities [2] - Shanxi Securities updated its app to incorporate AI for market perception, automated trading, and personalized asset allocation, enhancing user experience [2] Group 3: Future Development - Experts suggest that securities apps need to focus on building differentiated competitive advantages in a highly competitive market [3] - The integration of AI technology is seen as essential for transforming apps from mere trading platforms to comprehensive wealth management tools [3]

Core Insights - The active user base of securities apps reached approximately 175 million in September 2025, marking a month-on-month increase of 0.74% and a year-on-year increase of 9.73%, setting a new monthly record for the year [1][2][3] User Engagement Trends - The active user numbers for securities apps have shown a consistent upward trend in 2025, ranking third in the past 12 months, only behind October and November 2024 [2] - Among the top ten brokerage apps, Huatai Securities' "Zhangle Caifutong" and Guotai Junan's "Junhong" maintained over 10 million active users, solidifying their leading positions [2][3] - The user engagement among smaller brokerages varied significantly, with some like Guojin's "Yongjinbao" and Guohai's "Jintan" showing strong month-on-month growth, while others experienced declines [3] Daily Active Users - In terms of daily active users, Huatai's app led with 4.38 million, followed by Ping An Securities and GF Securities, both exceeding 3.5 million [4] - The competition among top brokerage apps in terms of daily active users has begun to solidify, with five apps surpassing 3 million daily users [4] Operational Changes - The competitive landscape for brokerage apps is shifting, with a focus on enhancing user engagement through AI technology and wealth management strategies [5][6] - The launch of Huatai's independent AI application "AI Zhangle" signifies a move towards integrating AI capabilities across key functions such as stock selection and trading, emphasizing transparency and user adaptation [6] - The industry is transitioning from a focus on traffic expansion to a model driven by technology and service, aiming for value-driven operations in a competitive environment [6]

Core Insights - The active user base of securities apps reached approximately 175 million in September 2025, marking a month-on-month increase of 0.74% and a year-on-year increase of 9.73%, setting a new monthly record for the year [1][2][3] User Engagement Trends - The active user count in September 2025 is the third highest in the past year, only behind October and November 2024 [2] - Leading brokerage apps like Huatai Securities' Zhangle Wealth and Guotai Junan's Junhong have monthly active users exceeding 10 million, maintaining a strong competitive position [2][3] - Smaller brokerages show significant variance in growth rates, with some like Guojin's Commission Treasure and Guohai's Jintan achieving month-on-month growth rates of over 6% [3] Daily Active User Dynamics - The daily active user (DAU) distribution shows a clear tiered structure, with Huatai Zhangle Wealth leading at 4.38 million DAUs, followed by Ping An Securities and GF Securities [4] - Five brokerage apps have DAUs exceeding 3 million, indicating a solidified competitive landscape among top firms [4] Operational Shifts in the Industry - The operational logic of brokerages is undergoing profound changes, shifting from passive market participation to leveraging AI technology for enhancing user engagement and conversion efficiency [5][6] - The launch of Huatai Securities' AI Zhangle marks a significant step in this transformation, integrating AI capabilities across key investment and trading scenarios [6] - The industry is moving towards a model where AI is central to user engagement and wealth management, indicating a shift from mere traffic expansion to value-driven operations [5][6]

Core Insights - The A-share market experienced a strong rally in August 2025, significantly increasing market activity and user engagement in securities apps [1][2] - The number of active users for securities apps reached 173 million in August, marking a year-on-year growth of 27.26% and a month-on-month increase of 4%, setting a new monthly record for 2025 [2][3] User Engagement - The top ten securities apps maintained their rankings from the previous month, with Huatai Securities' Zhangle Wealth App leading with 11.83 million active users, followed by Guotai Junan's Junhong App with 10.21 million [3][4] - The overall number of securities apps with over 5 million active users remained stable at 11, indicating consistent user engagement across the sector [3] Market Trends - The increase in app activity is attributed to both external market conditions and internal strategies, such as the "8.18 Financial Festival," which introduced innovative operational strategies [2][4] - The trend of extending promotional activities from short-term events to longer-term customer engagement strategies is evident, with some firms transforming "Financial Festivals" into "Financial Seasons" to enhance customer interaction [5] Technological Integration - Many brokerage firms are actively integrating AI technology into their mobile platforms and advisory services, enhancing user experience through personalized information, intelligent stock selection, and automated trading strategies [4] - The shift towards AI-driven services is becoming a crucial differentiator in an increasingly competitive market, as firms focus on long-term customer value rather than short-term promotions [4]