如果说有什么正在席卷全球商业格局，那就是人工智能。从医院利用机器学习来检测早期疾病，到市场咨询公司分析实时数据以优化营销活动，AI 正在彻 底改变企业的思维方式、运营模式和增长路径。 这绝不仅仅是一时的潮流。超91%的领先企业正在持续投资于人工智能。根据普华永道的预测，到2030年，AI 将为全球经济贡献高达15.7万亿美元。 关于 AI，你可能不知道的五个事实 1. AI 并不新鲜，早在1956年，在美国达特茅斯学院举行的一次会议上，研究人员首次提出"人工智能"（Artificial Intelligence）这一术语。 2. AI 曾在一次 Facebook 实验中创造出自己的语言，甚至演变到人类难以理解和控制的程度。 3. AI 可能继承训练数据中的偏见，这可能对招聘与人事决策产生不良影响。 4. AI 能够预测商业风险，包括客户流失、市场波动等，预测结果往往令人惊讶地准确。 5. AI 永不疲倦 ，它可以在数秒内分析数百万个数据点，并全天候运行，因此对面向全球客户、跨时区运营的企业极具价值。 AI 不仅优化了业务流程，还重新定义了企业如何进入新市场和服务全球客户。无论是自动化客户服务、实时分析新市场数 ...

智通财经APP获悉，天风证券发布研报称，小幅调整安踏体育(02020)盈利预测，预计归母净利分别为 136亿人民币、155亿人民币、173亿人民币，对应PE分别为18x、15x、14x，维持"买入"评级。 天风证券主要观点如下： 分品牌看： DTC：2025H1实现营收94亿元，同比增长5.3%，占总收入比重约56%。通过DTC模式转型提升效率与 体验，持续提高销售效率。 电子商务：2025H1实现营收61亿元，同比增长10.1%，占总收入比重约36%。公司通过CRM系统沉淀用 户标签，运用算法模型提升销售转化，推动线上业务持续增长。 传统批发及其他：2025H1实现营收14亿元，占总收入比重约8%。 战略与展望： 公司2025年上半年持续贯彻"单聚焦、多品牌、全球化"，通过双核心品牌驱动增长。安踏品牌将不断深 化转型，推动创新业态与垂类店铺孵化；FILA品牌聚焦高尔夫与网球领域，打造核心品类矩阵； DESCENTE、KOLON SPORT等新兴品牌保持高速增长。 公司全球化布局稳步推进，覆盖亚洲、欧美等市场。数字化建设方面，集团强化"人货场"整合，启动AI 战略布局，推动材料研发与工艺创新。可持续发展方面， ...

Investment Rating - The report does not explicitly provide an investment rating for the industry or specific companies discussed. Core Insights - The AI-driven transformation of SaaS and CRM systems is fundamentally redefining software products and creating a new technological and business ecosystem [1][3][17] - Traditional SaaS products are shifting from "passive response" to "proactive insight," with AI agents evolving through three development levels: predictive AI, Copilot mode, and Agent intelligence [2][16] - The future of AI SaaS will focus on "credibility" and "explainability," with AI engines needing to be built on localized data foundations and providing transparent decision-making processes [4][18] Summary by Sections Event Overview - The Alibaba Cloud Computing Conference highlighted the profound changes in SaaS products and CRM systems driven by AI, emphasizing the evolution of intelligent agents and the construction of trusted data foundations [1][15] AI Agent Development - AI agents are expected to evolve into a multi-agent collaborative network, enhancing autonomy and decision-making capabilities, with predictions that they will become the core of "intent-understanding operating systems" within 5-10 years [2][16] SaaS Product Transformation - SaaS products will achieve breakthroughs in interaction personification, functional atomization, and service proactiveness, allowing users to complete processes through dialogue and enabling real-time business insights [3][17] Data Governance and Model Controllability - The competitive edge of AI SaaS will hinge on its credibility and explainability, necessitating strict compliance with data governance and risk assessment protocols [4][18] Future CRM Systems - Future CRM products will integrate multiple services through open APIs, enabling seamless information and workflow connections across different systems, thus enhancing digital resilience and collaboration efficiency [4][19]

Core Insights - Data has become one of the most valuable assets for organizations, playing a crucial role in strategic decision-making, operational optimization, and gaining competitive advantages [1] - Data engineering is a key discipline that manages the entire process from data collection to transformation, storage, and access [1] - Organizations are shifting towards architectures that can respond to various data needs, with data management strategies like data warehouses, data lakes, data lakehouses, and data meshes playing significant roles [1] Group 1: Data Management Strategies - Data warehouses focus on structured data and are optimized for reporting and analysis, allowing for easy data retrieval and high-performance reporting [12][15] - Data lakes provide a flexible structure for storing structured, semi-structured, and unstructured data, making them suitable for big data projects and advanced analytics [21][24] - Data lakehouses combine the flexibility of data lakes with the structured data management capabilities of data warehouses, allowing for efficient analysis of various data types [27][30] Group 2: Data Architecture Design - A solid data architecture design is critical for the success of data warehouse projects, defining how data is processed, integrated, stored, and accessed [9] - The choice of data architecture design method should align with project goals, data types, and expected use cases, as each method has its advantages and challenges [10][43] - The Medallion architecture is a modern data warehouse design that organizes data processing into three layers: bronze (raw data), silver (cleaned data), and gold (business-ready data) [57][65] Group 3: Implementation Considerations - Effective demand analysis is essential for avoiding resource and time wastage, ensuring that the specific needs of the organization are clearly understood before starting a data architecture project [3][8] - The integration of data from various sources, such as ERP and CRM systems, requires careful planning and robust data control throughout the ETL process [4][6] - Documentation of the data model is crucial for ensuring that both technical teams and business users can easily adapt to the system, impacting the project's sustainability [5][6]

Core Viewpoint - Sichuan Mingstar Power Co., Ltd. has signed a cooperation framework agreement with Tsinghua Sichuan Energy Internet Research Institute to enhance collaboration in energy technology and innovation [2][3][15] Group 1: Agreement Overview - The cooperation agreement is a framework agreement, and specific projects will be determined later, without requiring board or shareholder approval [2][3] - The agreement aims to establish a solid partnership based on mutual benefits, focusing on accelerating the transformation and application of scientific research results [6][15] - The agreement is effective for five years from the date of signing [13] Group 2: Cooperation Objectives - The collaboration aims to promote technological innovation in the power industry, particularly in new energy and artificial intelligence applications [7][11] - The agreement includes plans for upgrading the company's information management systems and optimizing business processes [7][12] - A joint technology innovation management committee will be established to oversee project decisions and coordination [8] Group 3: Responsibilities and Contributions - Tsinghua Sichuan Energy Internet Research Institute will provide consulting and technical services for digital transformation and technological innovation [11] - The company will allocate necessary resources and funding for research projects, while the institute will offer technical support and integrate university resources [9][10] - All intellectual property generated during the cooperation will be jointly owned or shared according to pre-agreed terms [10] Group 4: Impact on the Company - The agreement does not specify any financial commitments and its impact on the company's performance will depend on the execution of future projects [15] - The cooperation is expected to enhance the company's market competitiveness and align with its long-term development strategy [15]

在数字化转型的大潮下，企业对于客户管理的需求越来越精细化。许多公司发现，市面上的开源CRM系统虽然免费或成本低，但用起来总像"削足适 履"——功能要么不够用，要么用起来别扭。如果企业想要真正掌控客户数据、打造自己的业务护城河，自主开发CRM或许才是更长远的选择。那么，不依 赖开源CRM代码，企业能通过哪些方案实现定制化的客户管理？ 一、为什么宁可自己"造轮子"？ 开源CRM并非一无是处，但它的局限性往往让企业陷入两难。比如，许多开源系统功能固定，想增加一个客户标签分类功能，可能要修改核心代码，既容 易引发系统崩溃，还可能带来数据泄露风险。更麻烦的是，不同行业的业务逻辑千差万别——制造业需要对接ERP管理订单，医疗行业要遵守严格的隐私法 规，这些都不是标准化的开源CRM能搞定的。 而自主开发的CRM系统，就像量身定做的西装，完全贴合企业需求。比如，销售团队想实现自动化客户分级，技术部门可以直接在系统里设计智能算法； 市场部门需要和现有OA系统打通数据，开发团队也能轻松对接接口。更重要的是，所有数据都掌握在自己手里，既不用担心被第三方平台限制，也不会因 为系统停更而被迫"断粮"。 1. 低代码平台：小成本也能玩转 ...

资料显示，移动财经国际有限公司是一家在英属维尔京群岛注册成立的境外控股母公司,主要由其境内 实体子公司移动财经(m-FINANCE)运营。移动财经国际有限公司在香港设有三家子公司,主要从事金融 交易解决方案的研发和销售,提供金融交易解决方案。其主要营运子公司m-FINANCE是金融服务市场参 与者之一,客户遍布香港、中国大陆和东南亚,同时也是香港黄金交易所HKGX(原香港金银业贸易场 CGSE)会员的黄金交易平台解决方案提供商。m-FINANCE拥有近20年的行业经验,为经纪商和机构客户 提供外汇、黄金、大宗商品交易平台解决方案,包括mF交易平台、桥接及插件、CRM系统、ECN系统、 流动性解决方案、跨平台"经纪商+"解决方案、社交交易应用App等增值服务。 本文源自：金融界 8月26日，移动财经(MFI)盘中上涨5.36%，截至02:45，报39.3美元/股，成交84.05万美元，总市值 6509.88万美元。 财务数据显示，截至2024年12月31日，移动财经收入总额2608.53万港元，同比减少18.38%；归母净利 润-2021.1万港元，同比减少404.89%。 作者：行情君 ...

Core Viewpoint - Mobile Finance (MFI) experienced a 5.6% increase in stock price, reaching $38.86 per share, with a total market capitalization of $64.37 million as of August 22 [1] Financial Performance - For the fiscal year ending December 31, 2024, Mobile Finance reported total revenue of HKD 26.0853 million, a year-on-year decrease of 18.38% [1] - The company recorded a net profit attributable to shareholders of HKD -20.211 million, reflecting a significant year-on-year decline of 404.89% [1] Company Overview - Mobile Finance International Limited is a holding company registered in the British Virgin Islands, primarily operating through its domestic subsidiary, Mobile Finance (m-FINANCE) [1] - The company has three subsidiaries in Hong Kong, focusing on the development and sales of financial trading solutions [1] - m-FINANCE is a participant in the financial services market, serving clients across Hong Kong, mainland China, and Southeast Asia, and is a member of the Hong Kong Gold Exchange (HKGX) [1] - With nearly 20 years of industry experience, m-FINANCE provides various trading platform solutions, including mF trading platform, bridging and plugins, CRM systems, ECN systems, liquidity solutions, and social trading applications [1]

Group 1 - The core viewpoint of the article highlights that Mobile Finance (MFI) experienced a stock price increase of 2.68%, reaching $34.89 per share, with a total market capitalization of $57.79 million as of August 21 [1] - Financial data indicates that Mobile Finance's total revenue for the year ending December 31, 2024, is projected to be HKD 26.0853 million, representing a year-on-year decrease of 18.38% [1] - The net profit attributable to the parent company is reported at -HKD 20.211 million, reflecting a significant year-on-year decline of 404.89% [1] Group 2 - Mobile Finance International Limited is registered in the British Virgin Islands and primarily operates through its domestic subsidiary, Mobile Finance (m-FINANCE) [1] - The company has three subsidiaries in Hong Kong, focusing on the research and sales of financial trading solutions [1] - m-FINANCE, with nearly 20 years of industry experience, provides trading platform solutions for forex, gold, and commodities, serving clients across Hong Kong, mainland China, and Southeast Asia [1]

Group 1 - The core viewpoint of the article highlights the financial performance of Mobile Finance International Limited, which experienced a significant decline in revenue and net profit for the year ending December 31, 2024 [1] - Mobile Finance reported total revenue of HKD 26.0853 million, representing a year-on-year decrease of 18.38% [1] - The company recorded a net loss attributable to shareholders of HKD 20.211 million, a drastic year-on-year decline of 404.89% [1] Group 2 - Mobile Finance International Limited is registered in the British Virgin Islands and operates primarily through its domestic subsidiary, m-FINANCE, which provides financial trading solutions [1] - The company has three subsidiaries in Hong Kong and serves clients across Hong Kong, mainland China, and Southeast Asia, including being a member of the Hong Kong Gold Exchange (HKGX) [1] - m-FINANCE has nearly 20 years of industry experience, offering a range of trading platform solutions for forex, gold, and commodities, including mF trading platform, bridging and plugins, CRM systems, ECN systems, liquidity solutions, and social trading applications [1]