Guotai Junan Securities said that AIGC helps the rapid development of fintech.
The Zhitong Finance app learned that Guotai Junan Securities released a research report saying that AIGC helps the rapid development of fintech. We recommend Flush (300033.SZ), Oriental Wealth (300059.SZ), Oriental Wealth (300059.SZ), LaCala (300773.SZ), eCard (09923), and Qifu Technology (03660), which have advantages in high-quality data accumulation and doctoral talent teams in the financial industry, benefiting from Hang Seng Electronics (600570.SH) and Bairongyun-W (06608).
Financial information services: Empowered by AIGC, intelligent investment, research and investment products and services will achieve rapid growth. The explosion of AIGC technology will drive customers to seek more accurate and comprehensive information and more in-depth logical analysis content. It is expected that customer demand for intelligent investment research and investment products will increase greatly; AIGC technology will also help financial information service providers enhance their product capabilities and create more investment, research and investment products. Assuming that the penetration rate of B-side and C-side financial information services in China will increase to 1/7 and 20% of the current level of the US in 2025, the market space is expected to reach 196 billion yuan and 21.5 billion yuan respectively. We expect that financial information service providers with rich data and human resources will have an advantage and occupy a higher market share.
Third-party payments: AIGC opens up room for merchants to imagine value-added services. Third-party payment companies continue to deploy value-added business for merchants. With the launch of AIGC, demand side merchants are expected to increase their demand for advertising and marketing, etc., and the effect of reducing costs and increasing efficiency on the supply side is obvious. In fields such as smart posters, smart product selection, and intelligent risk control, La Cala makes full use of AIGC technology in the fields of merchant promotional materials, in-store e-commerce video generation, and video processing.
Consumer finance: AIGC helps reduce costs and increase efficiency. AIGC has stronger analytical understanding and speech analysis capabilities, and can improve efficiency in various aspects such as marketing acquisition, risk control, and collection. Qifu Technology pioneered the development of large-scale models and applied them to all aspects of consumer finance; Bairongyun launched the intelligent voice robot Bai Xiaorong, which was used in intelligent customer service, telemarketing, etc.