无疑，双方此次合作的核心价值在于打破金融服务与终端场景的壁垒。对用户而言，荣耀手机用户只需 通过"你好，YOYO"唤醒助手，即可一句话直达京小贝的理财服务，轻松获取当日投资机会信息，大幅 提升理财信息服务的便捷性。双方合作对行业而言也具有意义：一方面，为终端厂商拓展高价值服务场 景提供了可行路径；另一方面，为金融科技企业开辟了新的用户触达渠道。 据了解，京小贝此前已以智能体形态上架荣耀智能体商店，后续将进一步接入YOYO智能体的意图识别 功能，实现智慧理财需求的"无感触发"——例如用户需要理财服务时，YOYO可自动调用京小贝服务， 进一步降低理财服务的使用门槛。 作为京东金融推出的多模型融合多智能体协同的AI财富管家，京小贝核心优势在于其"金融+AI"的技术 架构。该架构集成京东大模型与京东金融智能投研能力，可通过用户画像与风险分析生成专属投资参考 方案，提供基金诊断、行业预判、调仓提醒等全链路理财服务支持。其独有的"成长型AI系统"能持续学 习用户偏好，实现"千人千策"的个性化资产配置建议，同时依托人格化升级与专家智慧融合，让理财服 务兼具专业性与温度，降低普通用户的理财决策门槛。 据悉，作为覆盖亿级用户的 ...

Core Insights - The main focus of the recent product launches by vivo, OPPO, and Honor is the integration of AI capabilities into their smartphones, moving from a tool-level application to a system-level feature [2][3][4] Group 1: AI Integration - The new products highlight AI OS as a key selling point, enhancing the capabilities of smart assistants to perform complex tasks seamlessly [2] - Honor's YOYO features self-evolution capabilities, allowing it to learn and grow across different scenarios, while vivo's Blue Heart assistant has improved continuous dialogue capabilities [2][3] - OPPO's updated assistant can provide targeted recommendations based on user behavior, integrating various data points such as credit card bills and travel preferences [2][3] Group 2: User Understanding - Deep user understanding is emphasized, with OPPO integrating multi-dimensional data to accurately capture user needs without relying on single app data [3] - vivo focuses on filtering and retaining valuable personalized insights from user information [3] Group 3: Ecosystem and Interconnectivity - The rich mobile ecosystem allows for diverse task execution, with Honor's YOYO connecting to over 4,000 ecological MCPs and enabling 3,000 automated scenarios [3] - vivo's Blue Heart platform collaborates with over 50 ecosystem partners, offering more than 200 services across various applications [3] - Cross-device connectivity is a common goal among manufacturers, enabling seamless sharing across smartphones, cars, and smart devices [3] Group 4: Future Outlook - AI remains a primary selling point for smartphone manufacturers, with ongoing developments in understanding user intent and physical world perception [4]