本文字数：2306，阅读时长大约4分钟 作者 | 第一财经 高雅 根据职场咨询公司Challenger, Gray&Christmas的数据，2025年美国约有5.5万次裁员被归因于人 工智能（AI）。包括亚马逊和赛富时（Salesforce）在内的科技巨头裁减了上万个岗位，并将AI列 为裁员的主要因素之一。 与此同时，麻省理工学院（MIT）于上个月发布的一项研究显示，AI已经能够胜任美国劳动力市场约 11.7%的工作，并有望在金融、医疗及其他专业服务领域节省高达1.2万亿美元的工资支出。特斯拉 公司创始人马斯克（Elon Musk）也频繁表示，他预测未来人类的工作并不是必须的，工作会像"运 动或游戏一样"。 然而， 裁员与AI应用之间的关系远比表面情况更为微妙。美国拜登政府时期首任AI科学特使、AI审 计与评估公司"人道智能"首席执行官乔杜里博士（Dr. Rumman Chowdhury）接受第一财经采访 时表示，这是一个远比"每个人都有普遍基本收入"或"未来没有工作"更为复杂的故事。 她解释道："我们看到最底层的工作被自动化淘汰，但随着信息流动得越来越快，新工作也在不断涌 现。这正是AI的作用，它帮助我们 ...

对于硅谷的裁员，乔杜里分析称，这一现象已持续约三到四年，其背后并非完全源于纯粹的AI创 新。"在某些领域，比如开发者群体中，AI确实显示出替代效应。它取代初级开发者的能力已相当先 进，且这类案例正在增多。"她随后强调，"但同样值得关注的是，所有这些公司都投入了数千亿美元开 发一项尚未实现盈利的技术，因此它们必须在其他地方节省开支。我不能完全确定所有这些裁员都是纯 粹由自动化驱动的。" AI自动化研究所创始人贝格（Hamza Baig）在一篇名为《美国企业大规模裁员背后：AI洗白还是经济 现实？》的文章中写道，当前许多裁员"实质上是将传统重组包装成AI驱动的创新"，但企业需要区分真 正的AI转型与以自动化为名、掩盖运营低效的行为。 IBM首席执行官克里希纳（Arvind Krishna）也在本月公开承认，近期的裁员更像是一场"自然修正"。 他认为人们在就业上"暴饮暴食"了，当前的调整主要是为了解决过度招聘的问题，而非完全由AI导致。 近期硅谷更像是用AI来洗白裁员的决策，长期来看，AI会带来更多工作岗位。 根据职场咨询公司Challenger, Gray&Christmas的数据，2025年美国约有5.5万次裁 ...

截至目前，"数智空间"已成功孵化"浦事晨晓"智能晨报、舆情预警智能体、投资者AI画像、AI客服 助手等一系列高价值应用，全面覆盖投资研究、市场营销、客户服务、运营管理等关键领域。从投研端 提升决策效能，到营销端精准匹配需求，再到服务端优化客户体验，该项目不仅破解了金融行业AI场 景落地难题，更将"AI赋能业务"的战略理念转化为实实在在的运营成效，实现了科技与业务的协同跃 升。 金融科技是公募基金构筑核心竞争力的关键支撑，更是浦银安盛践行"全球科创家"、"指数 家"、"固收家"三大战略业务发展的重要基石。公司始终以科技创新驱动高质量转型，通过技术创新夯 实投研能力、优化运营效率，为三大业务线穿越市场周期提供坚实保障。此次荣获"金融科技发展 奖"的"微创新奖"，正是公司这一战略落地的生动印证。 面向未来，浦银安盛基金将以此次获奖为新起点，持续深化智能化建设，推动数智技术在资管领域 的更深层次应用。作为浦发银行旗下重要的资管平台，公司将始终秉承创新基因，紧紧围绕浦发银 行"数智化"战略核心，持续深化人工智能技术在各业务领域的创新应用，加快构建全方位、多层次的智 能化生态体系，为公司数智化发展注入更加强劲的科技动力， ...

Core Insights - The report by McKinsey highlights that while 88% of organizations are using AI, only 39% have seen substantial financial returns from it [10][16]. Group 1: AI Adoption and Impact - A majority of enterprises are utilizing AI in at least one business function, indicating that AI has become a standard practice [4][10]. - Despite widespread adoption, less than 40% of organizations are effectively monetizing their AI investments [5][11]. - The report reveals that only high-performing companies are reaping the benefits of AI, with 50% of these companies planning transformative changes driven by AI in the next three years, compared to just 14% of average companies [41][42]. Group 2: AI Agent Utilization - There is a growing interest in AI Agents, with 62% of organizations experimenting with such applications, yet less than 10% have fully integrated them into their operations [22][23]. - Successful implementation of AI Agents is primarily seen in departments with clear processes and high standardization, such as IT and knowledge management [24][25]. - The deployment of AI Agents requires significant restructuring of processes and organizational frameworks, which many companies have yet to achieve [28][29]. Group 3: Financial Performance and AI - While 64% of organizations feel more innovative since adopting AI, only 36% report improved profitability, and just 33% have seen revenue growth [32][35]. - The most significant financial impacts from AI are observed in efficiency-driven roles, such as software engineering and IT management, rather than in revenue-generating functions like marketing and finance [18][36]. Group 4: Talent and Organizational Changes - AI roles are consuming recruitment budgets, with traditional positions being replaced by roles focused on AI capabilities, such as data engineers and AI product managers [53][56]. - The disparity in AI talent acquisition is widening, with large companies hiring AI-related positions at twice the rate of small and medium enterprises [58][59]. - Organizations are experiencing a restructuring of their workforce, with a notable decline in roles that are repetitive and low in creativity [55][56]. Group 5: Risk Management and Governance - High-performing AI organizations are more proactive in addressing risks associated with AI, such as inaccuracies and compliance issues [62][66]. - These organizations deploy AI in critical tasks, indicating a higher tolerance for risk and a focus on efficiency [70][71]. - The report emphasizes that successful AI implementation requires a shift in perspective, viewing AI as a business transformation engine rather than merely a cost-saving tool [72].

Group 1 - The optical module concept is leading the market with a "three consecutive days of gains," reaching a historical high [1] - The AI seller tools matrix launched by eBay includes an AI customer service assistant to help sellers automatically respond to buyer inquiries, with over 10 million sellers using these tools to generate over 200 million product listings [1] - Dongwu Securities believes that the global AI sector is approaching a technological singularity, with data centers being crucial infrastructure for AI development, and global cloud vendors increasing investments in AIDC [1] Group 2 - The Huaxia Sci-Tech AI ETF (589010) closely tracks the Shanghai Stock Exchange Sci-Tech Innovation Board AI Index, covering high-quality enterprises across the entire industry chain, benefiting from high R&D investment and policy support [2] - The ETF aims to capture the "singularity moment" in the AI industry, supported by a 20% price fluctuation limit and the elasticity of small and medium-sized stocks [2]

Core Viewpoint - The BPO (Business Process Outsourcing) market is experiencing significant disruption due to advancements in AI technology, which presents both opportunities and challenges for traditional BPO companies and emerging AI startups [3][4][10]. BPO Market Overview - The BPO market is projected to exceed $300 billion in 2024 and is expected to surpass $525 billion by 2030, driven by the need for cost-effective handling of repetitive tasks such as customer support and IT outsourcing [3]. - Major BPO companies like Cognizant, Infosys, and Wipro reported revenues ranging from $10 billion to $20 billion in their latest fiscal years, indicating the scale and importance of the industry [8]. Challenges in Traditional BPO - Traditional BPO providers often face inefficiencies due to long processing times, lack of accountability, and insufficient background information, leading to poor customer experiences [3][6]. - Many BPO firms were established decades ago and rely on outdated systems and client relationships rather than cutting-edge technology [9]. AI's Role in BPO Transformation - Modern AI technologies are enabling the productization of BPO services, allowing for improved efficiency and customer experience [10][11]. - AI assistants can operate continuously, adapt to cultural norms, and support multilingual interactions, significantly reducing the need for human intervention [11]. Opportunities for AI Startups - AI startups are seizing opportunities in customer support, which constitutes the largest segment of BPO spending, exceeding $100 billion [14]. - Vertical-specific AI assistants are successfully productizing core BPO use cases, creating competitive barriers against general-purpose AI solutions [15]. Backend Operations and Cost Reduction - AI startups are effectively reducing BPO expenditures in backend operations by automating tasks such as data extraction and verification, which were traditionally labor-intensive [16]. - Companies like Loop are utilizing AI for invoice verification and claims management, demonstrating significant efficiency gains [16]. Competitive Landscape - Traditional BPO companies are beginning to adopt AI technologies, with firms like Wipro and Infosys reporting significant increases in AI adoption rates [19]. - The competition between established BPO firms and AI startups is intensifying, with startups having the advantage of agility and innovation [20]. Strategic Recommendations for Startups - Startups should focus on building AI-native companies that can productize BPO services and directly compete with traditional providers [21]. - Targeting industries that are reluctant to adopt software solutions and delivering results directly may be a viable strategy for market entry [22]. - Engaging in partnerships or acquisitions to enhance service offerings and customer bases can provide a competitive edge [21][22].