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解决“真问题”,京东要用AI重塑金融体验
华尔街见闻· 2025-09-26 08:51
AI时代里的 金融创新,正陷入内卷。行业普遍将 AI用于优化客服、营销等外围环节, 用户的体感却 未有根本性的改变 。 面对这一行业困境,京东科技在 9月25日的JDD大会上则给出了截然不同的答案。它推出了一整套 深入财富管理、支付和产业风控核心的智能体(Agent)矩阵。从拥有"数字分身"的京小贝,到意图 改写支付体验的JoyGlance,其目标是从根本上重塑用户交互和产业运行的逻辑。 会上,京东集团 CEO许冉为当前狂热的AI竞赛,指出了一个冷静而深刻的方向:"京东不片面追求运 动式的AI,追求的是可持续发展、真正为产业创造价值的AI。" 这一论断,与京东科技提出的 "未来十年的关键词是重塑"形成呼应。其潜台词是:不再满足于用AI 修补旧的业务框架,而是要用多智能体协同的方式,原生再造一个更懂用户、更懂产业的金融服务新 范式。 京东试图借此, 率先向市场证明 AI金融的下半场,竞争已从单一模型的技术比拼,升级为全链路生 态的体系对抗。这种体系化的能力,源自其业内罕见的"原生一体化"组织架构——一种将核心技术、 金融业务与真实产业场景深度融合的独特优势,确保了技术创新永远紧贴最核心的业务需求。 当技术能力趋 ...
AI加速金融普惠 构建信任:京东科技公布3大智能体应用成果
Jing Ji Guan Cha Wang· 2025-09-25 10:08
Core Insights - The article highlights the advancements in AI-driven financial services by JD Technology, focusing on three main intelligent agents: AI Wealth Manager "Jing Xiaobei," shopping assistant "JoyGlance," and inclusive credit assessment for small and micro enterprises [1][2][3] Group 1: AI Wealth Management - "Jing Xiaobei" has undergone a personalization upgrade, allowing for friend-like conversations with users, moving beyond simple Q&A to a more engaging dialogue [2] - The new "user memory system" enables "Jing Xiaobei" to remember user needs and provide proactive, intelligent, and professional services in investment opportunity insights and research strategy analysis [2] - Future plans include transforming the interaction interface into a central hub for various financial services, including bill payments, expense tracking, and investment management [2] Group 2: Shopping Experience - "JoyGlance" is introduced as an industry-first shopping assistant that supports cross-protocol and multi-device interactions, enabling a "see and buy" experience [2] - The assistant enhances the interaction potential of smart wearable devices, providing an immersive shopping experience where users can purchase items simply by looking at them [2] - "JoyGlance" employs a dual security system of voice and voiceprint recognition, offering a higher security level than traditional password and fingerprint payments [2] Group 3: Financing for Small and Micro Enterprises - JD Technology has developed an inclusive credit assessment intelligent agent that analyzes vast amounts of unstructured data, improving the coverage of risk indicators for previously hard-to-rate enterprises [3] - The intelligent agent can identify and assess the value of various movable collateral, expanding the range of acceptable collateral types and providing standardized valuation services for traditionally hard-to-evaluate goods [3] - The collaboration of multiple financial risk control intelligent agents has resulted in a 15% increase in the number of small and micro enterprises served and a 5% increase in average loan amounts [3]
所见即购买,京东科技“JoyGlance”创新推出双重安全支付方案
Jing Ji Guan Cha Wang· 2025-09-25 09:22
Core Viewpoint - JD Technology has launched the shopping smart device "JoyGlance," which enables a "see and buy" shopping experience, allowing users to identify items with a glance and complete purchases through voice commands [1] Group 1: Product Features - JoyGlance can recognize items visually and automatically display purchase links [1] - Users can complete payments simply by speaking, with products delivered directly to their homes [1] Group 2: Security Measures - JoyGlance employs a financial-grade security payment solution that combines language recognition and voiceprint recognition, offering enhanced security compared to traditional password and fingerprint methods [1] Group 3: Market Deployment - The commercial version of JoyGlance is set to be launched on multiple mainstream smart glasses brands [1]