How Technology Makes Professional Financial Services More Accessible
Written by | Zhou Gongzi
Edited by | Zhou Dafu
In the past, discussions about “inclusive finance” were often limited to financial products. However, with the rapid advancements in AI Agents, the landscape of financial services has become clearer in terms of equity—financial services can indeed be more “inclusive”.
Transforming the interaction experience, making professional services no longer exclusive to a few high-net-worth individuals, but rather benefiting the general public in their daily investment, financial management, and consumption payment needs, is the commercial scenario where AI Agents are currently expected to excel.
At the end of August this year, Liu Liehong, the head of the National Bureau of Statistics, disclosed that from the beginning of 2024 to the end of June this year, the daily demand for Tokens in China skyrocketed from hundreds of billions to 30 trillion. In just a year and a half, this represents a growth of over 300 times.
It is well known that Tokens are a key indicator for large model applications, and AI Agents are considered crucial for the implementation of AI large models—AI Agents can “translate” complex professional knowledge and services into simple, personalized experiences. This change is particularly evident and rapid in the highly digitalized financial industry.
On September 25, at the Supply Chain Finance Sub-Forum of the 2025 JDD JD Global Technology Explorer Conference, JD Finance announced multiple product launches and upgrades, especially the AI Wealth Manager “Jing Xiaobei”, the shopping AI “JoyGlance”, and the financial risk control AI. The consistent philosophy behind these products is to reshape the “inclusive” experience of financial services, making professional services more equitable and accessible.
Three Financial AI Agents Reshaping the “Inclusive” Service Experience
In fact, the transition from the Internet era to the AI large model era is a process of deepening technological equity. Each technological revolution expands the boundaries of service, and the current AI technology represented by large models is initiating a deeper transformation in financial services.
From the three AI large models related to financial services disclosed by JD Technology at this conference, they all point to the same goal: technological advancement driving the “equity” and “inclusiveness” of financial services.
First, let’s look at the AI Wealth Manager “Jing Xiaobei” related to daily investment and financial management scenarios.
This time, “Jing Xiaobei” underwent a personalized upgrade, shifting from a passive question-and-answer format to providing more proactive, intelligent, and professional services. After this update, Jing Xiaobei can remember user needs based on a new “user memory system”, achieving “full-cycle contextual relevance” and providing a better experience and service in investment opportunity insights, research strategy analysis, and full-cycle companionship.
JD Technology revealed that in the future, it will comprehensively build an AI financial manager based on Jing Xiaobei, transforming the interaction interface from a single information entry point to a central node for intelligent services across multiple scenarios such as utility payments, expense tracking, and investment management.
Next, regarding the shopping scenario most closely related to daily consumption, JD Technology launched a new AI product, JoyGlance.
Notably, this is the industry’s first shopping AI that supports cross-protocol and multiple wearable devices. Meanwhile, the commercial version of JoyGlance will also be available on several mainstream smart glasses brands and supports various smart terminals such as smart refrigerators, smart TVs, smartwatches, and even robots. What sets JD JoyGlance apart from other AI agents is that it introduces a new shopping entry point of “see it, buy it”: with just a voice command, it can select products that best match your preferences based on your shopping habits.
Additionally, financial security issues often encountered during shopping have also been taken into account. JoyGlance employs a financial-grade security payment solution that combines “voice recognition + voiceprint recognition”, offering a security level superior to traditional password and fingerprint payments.
This not only activates the interactive potential of smart wearable terminals with life scenarios but also provides customers with an immersive service experience of “everything in sight can be purchased”—this is a convenient and safe consumption experience upgrade for the elderly and disabled individuals who may struggle with complex electronic product operations.
Beyond individual user scenarios, the financial service experience in industrial finance is also moving towards a more “inclusive” direction.
It is well known that within JD’s vast e-commerce ecosystem, many small and micro enterprises on the supply chain face two major challenges: “high financing costs” and “difficult financing” due to a lack of collateral or other asset proofs. The financial risk control AI launched by JD Technology is specifically designed to address this issue:
By analyzing vast amounts of unstructured data, it significantly enhances the coverage of risk indicators, allowing previously hard-to-obtain credit ratings for enterprises to be included.
For instance, to address the limitations of movable property financing collateral, JD Technology’s movable property financing AI can intelligently identify and assess the value of various movable collateral, expanding the range of acceptable collateral types, providing standardized valuation services for traditionally hard-to-evaluate goods, and offering new channels for small and medium enterprises to activate their existing assets.
Based on the effectiveness of the “financial risk control AI”, the number of small and micro enterprises served by JD Supply Chain Financial Technology has increased by 15%, and the average loan amount has risen by 5%.
Of course, there are many highlights at this JD Global Technology Explorer Conference, but from the three representative agents mentioned above, it is clear that JD Technology is committed to “reshaping service experiences” in the interaction and commercial application layers of AI, driving financial services towards a more “inclusive” and “equitable” philosophy.
The Vision of Financial Service Equity Under Technological Advancement
Although there are currently no specific cases of financial institutions implementing AI Agents for commercial use, some actions of financial institutions can still be gleaned from public information:
The four major banks, such as China Construction Bank and Industrial and Commercial Bank, as well as local rural commercial banks like Qinghai Rural Commercial Bank, have announced initiatives and bidding projects related to AI agents. In terms of application scope, financial institutions are mostly focused on marketing services, financial risk control, customer service, and are also making efforts in user experience and industrial services.
According to the “Digital Transformation Report of the Chinese Banking Industry”, over 60% of banks are using artificial intelligence technology to complete tasks such as risk control, anti-money laundering, and intelligent customer service.
At this conference, JD Technology announced the progress and effectiveness of the three major agents mentioned above, which not only covers industrial needs but also focuses on the “inclusiveness” of financial services for the general public, marking a more definitive and concrete “big step” in the direction of commercial scenarios.
In the current context of the digital economy driving industrial transformation, this resonates with the financial system’s blueprint to focus on technology finance, green finance, inclusive finance, pension finance, and digital finance.
“JD has been exploring the intersection of large model technology and financial business,” said a relevant person in charge of JD Technology’s financial technology. After years of practice, JD Technology has moved from technical validation to deepening scenarios, covering areas from user interaction and experience innovation to intelligent risk control, intelligent decision-making, and improving personnel efficiency.
As mentioned in the conference speech, technology is a means, and inclusiveness is the goal.
From “tools” to “partners”, AI reconstructs the service experience, and the key is to establish “trust” during the user companionship process, making the vision of equitable access to professional services a reality.
PS: For more industry insights, scan the QR code to join the group, Stay tuned!
☻
*The views expressed above do not constitute investment advice*
This is an original article, please do not reproduce without authorization.
Contact Zhou Gongzi via WeChat: zhougongzihenshuai
