张大伟 制图 □ 数字金融作为金融"五篇大文章"的重要组成部分，正通过招投标这一市场纽带，将技术创新、业务升 级与国家战略紧密相连。这场转型不仅关乎技术架构的迭代，更在重塑金融机构的服务体系、商业模式 与竞争格局 □ 有业内人士表示，在AI应用推动下，金融机构的服务外协招标不再是简单的"找人干活"，而是"生态 共建"。这正是金融机构数字化转型从"重建设"向"重运营"转变的体现 ◎记者 温婷 在投身金融科技行业3年后，詹毅被金融机构"追"着要AI应用的落地方案。这可能是当初他没有想到 的。 作为优智科技创始人兼CEO，詹毅曾担任百度总技术委员会委员、知识图谱技术委员会主席。2023年 初，他以"首席AI官"身份亮相金证股份业绩说明会，正式转战金融科技赛道。 詹毅执掌的优智科技是金证股份孵化的专注AI业务的子公司，而等待他的是比互联网公司更快的工作 节奏。"第一年，还要从解释AI概念入手，来说服机构试水新兴技术；第二年，可以直接对话金融机构 CTO（首席技术官）或者业务负责人，打造示范项目；到2025年，DeepSeek席卷金融圈，推动机构转 型从'争先'转向'恐后'，数字化改造日渐渗透到核心系统，其释放出的大量 ...

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]