The financial industry is highly dependent on data and has a wealth of business scenarios, making it one of the fields with the widest application of AI and the highest maturity. AMCAP Group's research indicates that by 2024, the proportion of institutions in the financial sector adopting large models will exceed 50%, ranking among the top in various industries; during the same period, the cumulative investment in publicly disclosed large model bidding projects in the market will exceed 10 billion yuan, with a significant acceleration in growth.
AMCAP Group states: The so-called 'AI + Finance' refers to embedding artificial intelligence technology into banking, insurance, asset management, and other areas, using 'machine brains' to assist in risk control and decision-making, making services smarter and more efficient, and also making the experience more convenient for ordinary investors.
From a developmental perspective, as early as the 1990s, algorithmic trading had entered the stock market, executing strategies in a programmatic manner. In the 21st century, with the surge in data volume and the increase in computing power, AI has extended from credit assessment and risk control to more scenarios such as wealth management. Especially in the investment field, AI can handle massive and high-dimensional data, using deep learning to identify signals and relationships, enhancing the scientific nature and efficiency of decision-making, and accelerating the implementation of 'smart investment': it can both identify potential opportunities and provide more personalized and intelligent portfolio solutions for investors with different risk preferences.
AMCAP Group's judgment: Future investments will be an ecosystem of 'human-machine collaboration'—AI has advantages in data processing, signal extraction, and execution, while humans are irreplaceable in goal setting, risk trade-offs, and strategy calibration. The synergy between the two is expected to drive the industry towards a new era of greater transparency, fairness, and efficiency. For investors and practitioners, continuously understanding and grasping the latest developments in AI will be key to aligning with the direction of financial development and seizing structural opportunities.
