近日，券商中国记者在采访业内人士时了解到，AI应用场景已在券商财富管理业务中全面铺开，系统性地融入客户触 达、投顾决策、交易执行和运营管理等各个环节，并驱动行业竞争从"人海战术"向"人机协同"转变。 券商AI产品持续上新 券商中国记者注意到，自年初竞相本地化部署DeepSeek等大模型后，券商在财富管理业务中不断推动AI产品或应用上 新。 在APP侧，广发证券基于自主研发的天玑智融大模型，完成了对"易淘金APP"的AI原生化升级，打造了包含i助理-易小淘 Plus、i盯盘、i交易、i复盘、i资讯、i投顾、i智投、i账户等在内的十余项AI智能体模块；国泰海通推出新一代全AI智能 APP"国泰海通灵犀"，打造"对话、直播、盯盘"三大智能服务界面；财达证券股市通APP迭新，深度融合AI算法引擎，构 建"投前—投中—投后"全周期智能化解决方案，涵盖智能策略生成、风险动态预警、资产组合优化三大核心模块；东吴 证券秀财APP上线"AI看自选"功能，通过AI多轮对话、AIGC及个性化投研三大能力，满足用户对自选股的信息获取、深 度分析、投资决策与跟踪复盘等需求。 在投顾业务方面，国金证券推出AI投顾，上线AI选好股、AI持 ...

伴随数智化转型持续深化，越来越多券商持续提升"AI含量"——从智能客服到智能投顾，从智能交易到 智能运营，各类AI产品密集上新。 近日，证券时报记者在采访业内人士时了解到，AI应用场景已在券商财富管理业务中全面铺开，系统 性地融入客户触达、投顾决策、交易执行和运营管理等各个环节，并驱动行业竞争从"人海战术"向"人 机协同"转变。 当你感叹炒股APP的客服越来越懂你时，或许背后是人工智能（AI）已对你的行为模式"了如指掌"；当 你不用盯盘就可以自动完成股票的低买高卖，或许正是一行行代码在默默帮你捕捉行情…… 某沪上地区上市券商针对客服中心响应效率不足的问题，引入智能化能力辅助客服人员进行问答交互， 落地智能问答、智能质检、外呼陪练等应用，打造集IVR导航、坐席助手和全渠道服务于一体的智能化 平台。 券商AI产品持续上新 证券时报记者注意到，自年初竞相本地化部署DeepSeek等大模型后，券商在财富管理业务中不断推动 AI产品或应用上新。 在APP侧，广发证券（000776）基于自主研发的天玑智融大模型，完成了对"易淘金APP"的AI原生化升 级，打造了包含i助理-易小淘Plus、i盯盘、i交易、i复盘、i资讯、 ...

Core Viewpoint - The article highlights the significant growth in the user activity of securities apps, driven by a bullish A-share market and the increasing demand for diversified wealth management solutions among investors [1][6]. User Activity Growth - As of July 2025, the number of active users of securities apps reached 167 million, marking a 20.89% year-on-year increase [6]. - The top ten securities apps accounted for 63% of the market share, with Tonghuashun leading at 35.01 million active users, followed by Dongfang Caifu and Dazhihui with 17.14 million and 11.91 million users respectively [7]. Competitive Landscape - The competition among securities apps is becoming increasingly differentiated, with Tonghuashun and Dongfang Caifu leveraging their unique features to attract users [9]. - Smaller brokerages like Guohai Securities and Chengtong Securities have also seen rapid growth in user activity, indicating a competitive market environment [10]. AI Integration - The integration of AI technology into securities apps is a key trend, with firms like Guangfa Securities and Guotai Haitong leading the way in developing AI-native applications [12][13]. - AI-driven features are expected to enhance user experience and operational efficiency, providing personalized investment advice and improving customer interaction rates [14]. Market Dynamics - The article notes a shift from traditional tools to intelligent solutions in the securities app market, reflecting a broader trend towards digital transformation in financial services [13]. - The increasing preference for comprehensive and mature platforms among investors indicates a strengthening of the "Matthew Effect," where leading apps continue to dominate the market [7][10].

Core Viewpoint - The A-share market is experiencing a significant uptrend, with the Shanghai Composite Index breaking through the 3800-point mark, leading to increased competition among brokerage firms focusing on service quality rather than just price wars [1][2]. Investor Behavior - Investor activity has noticeably increased, with new account openings and trading volumes rising by approximately 20% compared to previous months. Daily stock fund trading volume increased by 20% in July compared to June, and by another 12% in the first half of August compared to July [2]. Online Service Enhancements - Brokerages are prioritizing online services, leveraging AI technology to enhance service efficiency. For instance, Guangfa Securities upgraded its app to provide 24/7 proactive "chat-style" services, improving information access for investors [3][4]. Technology Integration - National Securities introduced an "MBTI investment style assessment" during a promotional event, using AI tools to match users with suitable investment options based on their preferences, thereby reducing decision-making costs [4]. Offline Service Improvements - Despite the rise of online services, offline interactions remain crucial, especially for older investors who require in-person assistance. Brokerages are increasing staff to manage the growing demand for services such as account openings and risk assessments [7][9]. Market Adaptation - The current bull market has prompted brokerages to enhance their service offerings, utilizing both online and offline channels to meet the diverse needs of investors. This includes timely information dissemination and personalized investment advice [8][9]. Competitive Landscape - The competition among brokerages is shifting towards service quality, with firms that can effectively understand and meet investor needs likely to succeed in the evolving market environment [9].

Core Viewpoint - The article discusses the transformation of brokerage apps driven by artificial intelligence, highlighting the shift from traditional tools to intelligent, personalized investment partners [2][11]. Group 1: AI Transformation in Brokerage Apps - The securities industry is transitioning from "tool empowerment" to "intelligent reconstruction" as financial technology enters the era of large models [2]. - Guangfa Securities has upgraded its core trading platform, "Yitaojin APP," to become an AI-native intelligent investment partner, marking a new phase in brokerage app development [2][4]. Group 2: Addressing Challenges with AI - Common issues in brokerage apps include bloated functionality, information overload, complex interactions, and lack of personalization, which necessitate smarter solutions [3]. - Guangfa Securities emphasizes that AI should be the business core rather than a simple add-on, leading to the development of the "Tianji Zhirong" model to serve as the core technology engine for the Yitaojin APP [3][10]. Group 3: Core Leap in Intelligent Services - The upgraded Yitaojin APP fundamentally changes service logic by allowing AI to understand user intent rather than requiring users to adapt to functionalities [4]. - The app features over ten AI modules covering the entire investment journey, including iAssistant, iMarket Monitoring, iTrading, iReview, iNews, iAdvisory, iSmart Investment, and iAccount [4][5]. Group 4: Full-Scene AI Empowerment - AI capabilities are deeply integrated into high-traffic scenarios such as market monitoring, trading, news, and account management, enhancing user experience [5][6]. - The app provides personalized suggestions and optimizations based on historical data and market conditions, significantly improving information retrieval efficiency [5][6]. Group 5: Conversational Revolution - The upgrade breaks traditional Q&A service limitations, focusing on a conversational approach where AI can proactively understand investor intent [8]. - The new investment assistant, "iAssistant - Yitaojin Plus," offers 24/7 conversational support for various investment scenarios, enhancing user engagement and decision-making [8][9]. Group 6: Human-Machine Collaboration - Guangfa Securities promotes a "human-machine collaboration" model where AI acts as a supercomputing engine while human experts focus on decision-making [10]. - The "iAdvisory" module leverages AI to enhance advisory services, creating a comprehensive advisory system that combines intelligent tools with professional insights [10]. Group 7: Future Outlook - The comprehensive upgrade of the trading platform aims to evolve investment services from "cold tools" to "digital partners" that understand finance and market dynamics [11]. - Guangfa Securities plans to continue leveraging the "Tianji Zhirong" model to lead the transformation of intelligent services in the brokerage industry, enhancing digital development levels [11].