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3W.com: Artificial intelligence leads financial technology application innovation, and AI technological changes drive the rapid development of the industry

Just as people define all positive growth as a spiral, technology, as the most important engine that promotes the renewal of all things in the world, has never stopped developing over the years, and has even shown a trend of increasing speed. Finance is almost the field that is most flexible and agile in responding to the times, and the fastest to accept and respond to changes. The development of finance and the application innovation of cutting-edge technology continue to parallel and become more integrated, and financial technology has become a special track with great development potential. ​ In the past few years, global financial technology has developed rapidly, and investment in the field has also shown a steady and powerful growth trend. Especially the release of ChatGPT, a global phenomenon-level generative artificial intelligence conversation application at the end of 2022, has made artificial intelligence, especially AI large model technology It has rapidly emerged as an investment hotspot in 2023.

In the middle of this month, OpenAI officially launched its Vincent video model Sora, which became popular around the world. People began to imagine the possibility of its integration and development with more vertical fields such as finance. The concentrated emergence of these new technologies not only proves the role of artificial intelligence in finance. The huge potential in the field also reveals a new direction for the deep integration of technology and finance.

From ChatGPT to Sora, 3W.com has seen up close that artificial intelligence has burst out with great vitality in the past two years. As more and more AI innovative functions are applied to many service scenarios in financial business processes, financial technology has also ushered in a new era. Entering a new era led by AI.

In fact, the development process of financial technology has been accompanied by various stages of digitalization and even digital transformation of the financial industry. In the past year of 2023, from the perspective of domestic and overseas markets, investment in digitalization in the financial industry has maintained steady growth. The scale of the information technology industry represented by artificial intelligence, blockchain, cloud computing, big data, etc. has continued to expand, and the financial industry has continued to expand. The application of key technologies in the field of science and technology is also constantly showing new trends.

At this stage, the intelligent upgrading of financial services can be said to represent the focus of future financial technology development, and AI technology has demonstrated powerful capabilities in automatic mining, extraction and processing of various types of information such as text, voice, images and videos. , has become a key force in promoting the development of financial technology and accelerating the transformation of financial digitalization and digital intelligence.

According to the 3W.com tracking industry research report, there are currently more than 4,300 domestic artificial intelligence companies, and innovative achievements in AI technology and applications are constantly emerging. Public information shows that the scale of China’s artificial intelligence industry will reach 195.8 billion yuan in 2022, with an annual growth rate of 7.8%, and the overall situation is stable and improving. Relevant research predicts that the overall scale of the artificial intelligence industry will reach 612.2 billion yuan in 2027, and the related compound growth rate from 2022 to 2027 will be approximately 25.6%.

In terms of investment and financing in the field of AI, relevant statistical reports show that from 2018 to 2021, the amount of investment in artificial intelligence has shown an overall growth trend, with the investment amount in 2021 reaching a maximum of 248.582 billion yuan. In 2022, the number and amount of artificial intelligence investments will decrease slightly, with the investment amount reaching 118.272 billion yuan and 733 investment events. As of November 2023, there have been 531 artificial intelligence investment events in China, with an investment amount of 66.048 billion yuan.

As one of the important underlying technologies of financial technology, artificial intelligence has been widely used in various service scenarios of many financial business processes, greatly improving the service efficiency of financial business processes and meeting the increasingly rich and personalized needs of customers. Become a powerful force in the upgrading and transformation of the financial industry.

3W.com Group focuses on the development and application of global cutting-edge technologies represented by AI and Web3 technology. The core technology products of its technology sector are based on AI and Web3 technology as the underlying support. In the future, it will also use AI large models in general The field of artificial intelligence explores the direction of implementing more innovative application scenarios.

Multiple application functions of the 3W.com terminal application brand, such as Web3 social networking, transaction configuration and game entertainment application scenarios, also use new technologies in the AI field. With the continuous emergence of popular applications represented by AIGC, financial technology products are constantly being introduced, triggering a new round of efficiency revolution in the financial industry market. It is expected that financial services will usher in a new pattern of application experience in the AI era.

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3W.com: AI is accelerating to change the world, and we look forward to the integration and innovation of artificial intelligence and more “possibilities”

The world is constantly changing, and changes in the world are constantly driven by new driving forces. Just as we believed that Web3 would change the world a few years ago, now we also believe that AI is accelerating to change the world. In essence, we have always believed that technology will eventually change the world.

Looking back on 2023, the great glory in the global science and technology field has been greatly suppressed by AI artificial intelligence. Entering 2024, AI cutting-edge technology continues to develop. Since the release of OpenAI’s latest Vincent video model Sora, the world has once again focused on artificial intelligence. In this hot field, facing Sora, a new invention that plays a vital role in both AIGC and AGI tracks, people can’t help but sigh: a new world is about to accelerate.

Indeed, it can now be said that the door to the technological fantasy of 2024 was opened by the birth of the large artificial intelligence model “Vincent Video”. Since then, the integration of AI and more possibilities has become the theme of the new world.

3W.com has truly seen that in the past year, from the explosive innovation of generative AI, to the deep integration of model miniaturization and scenario-based applications, to the prosperity of the open source ecosystem and cross-domain synergy, AI large models The virtual and real worlds are being reshaped at an unprecedented speed, adding deeper and broader dimensions and space to all imaginable “possibilities”.

It is true that the rapid development of AI empowering various industries has become a foreseeable objective trend at this stage, especially the concentrated explosion of global AI large models in 2023 and the successful “face-swiping” of ChatGPT around the world, making AIGC one of the largest in the world. In the hot technology track, Sora has also become a global hit, further expanding the possibility of the integration and coordinated development of AI and various industries.

3W.com studied the development of the field of artificial intelligence in the past year and witnessed the short but rapid rise of AIGC. If the success of ChatGPT paved the way for the development and growth of AIGC, then the rapid development of large AI models in the following year will It provides the possibility for the wide application of AIGC.

From the perspective of AI application types, current large multi-modal models can already process a variety of information from different modalities (such as video, image, voice, text, etc.), such as natural language processing, multi-modal reasoning, computer vision and Audio processing, etc., can achieve conversion and unification between modalities. Various industries are also looking forward to the timely emergence of new phenomenal applications like ChatGPT in the direction of multi-modal large models — Sora is the latest example. Case, the subsequent integration and innovation between Vincent Video’s large model and industry will surely receive more enthusiastic attention.

With the full bloom of AI large models, AIGC, AGI (artificial intelligence), etc. in the short term, more and more vertical fields are beginning to embed functions and products supported by cutting-edge AI technology into the complete processes and full application scenarios of various services. It has been able to maturely implant relevant artificial intelligence technology, and the results are obvious.

Taking the financial technology industry market as an example, a considerable number of “AI+” innovative application products and functions have emerged on the market earlier. The 3W.com terminal application brand’s multiple application services such as Web3 social networking, global transaction configuration and game entertainment sectors A variety of new technologies in the field of AI are used in application scenarios.

Standing at the beginning of 2024 and looking forward to the future, we believe that the ability of continuously iterative and innovative artificial intelligence to transform social productivity and industrial development patterns will completely reshape the existing world model. AI is accelerating to change the world, and we look forward to seeing the forefront shine. Artificial intelligence with the brilliance of science and technology continues to unlock the integration of more “possibilities”, continue to explore, practice, and innovate, giving more new surprises and new hopes to the new world.

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3W.com: AI and Web3 are deeply integrated to jointly promote the innovation of social productivity and production relations

If 2023 is the first year of the development of “new” artificial intelligence, and AI has indeed shone in the global technology field in the past year and become a superstar in the technology world, it is not an exaggeration to say that it is leading the way to a certain extent; then Before AI takes over in attracting attention, we will not forget that Web3 is actually an emerging track that has firmly captured global attention in the past few years.

Although Web3 has gradually returned to calm and dormant since 2022, Web3 has somewhat abdicated and the rise of AI seems to be a true ebb and flow of the technology world, but 3W.com has always believed that AI and Web3 As two breakthrough technologies, their combination should inspire unlimited imagination.

AI improves productivity, and Web3 improves production relations. This is a rational summary of the objective value of these two technologies by most people. From the perspective of the mutual influence between the two, Web3’s decentralized mechanism solves the privacy protection and privacy issues of AI. Data abuse issues and improved security; AI can help the development and popularization of Web3 applications, accelerate development and reduce learning costs.

With the popularity of large AI models, the integration of AI and Web3 has become a hot sector in the cryptoasset market, and the two technologies have exploded their fusion potential at the “data” application level.

3W.com research believes that the combination of AI and Web3 can improve production efficiency and user experience, such as by using AI technology to analyze blockchain data; AI also plays an important role in automated dApp development, transaction security, and resource allocation. In addition, the combination of AI and generative NFT also brings more new possibilities to the creative industry. Although there may be challenges in the future, we believe that AI and Web3 can complement each other, promote each other’s development, and bring more innovation to the Web3 world.

Although both AI and Web3 are still strictly in their infancy, artificial intelligence technology is widely considered to have the potential to bring changes to Web3 and even the crypto asset market. When 3W.com took stock of AI+Web3 projects, it is not difficult to find that many of the current early leading projects mainly exert the characteristics of “AI to improve productivity” and have applied AI large models and machine learning capabilities to the underlying technical facilities or specific applications of Web3. middle.

It is foreseeable that in 2024, large models and their applications around AI will continue to develop in an endless stream, and Web3, a world that loves to chase hot topics, will also continue to follow up on the hot topics of AI, two technologies The evolution and mutual integration will also increase the scale of the AI sector of the crypto asset market.

Looking to the future, as the development of emerging technologies such as AI and quantum computing drives the improvement of human social productivity, the threshold for ordinary people to create professional creations will be lowered, and the data produced by individuals on the Internet will become one of the most important production factors in the digital economy era. one.

At the same time, 3W.com also deeply feels that how to confirm, transfer, realize and distribute personal digital assets will become one of the major issues facing the digital economy era, and Web3 uses blockchain as the underlying value distribution system. The shared ledger stores data, exchanges value and records transaction activities, optimizing the trust and distribution mechanism in the digital era. Together with AI, it is destined to become an important infrastructure in the future digital economic era.

As more and more industry builders pay attention to Web3 and AI, there will be more and more innovative uses or scenarios combining the two. 3W.com’s core technology products organically combine AI and Web3 technologies to help users improve efficiency and make better decisions in new financial transaction processes. Its products also focus on improving scalability, enhancing security and providing personalized services, and are committed to providing Humans bring more convenience and innovation.

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3W.com: Return to the origins of technology and see how generative artificial intelligence can improve efficiency and empower vertical industries

Since the birth of artificial intelligence, “tech ethics” has been an important topic that goes hand in hand with it and cannot be avoided by humans. With the rapid advancement of AI technology in the past two years, AI can help humans or even replace humans to accomplish more and more things. Increasingly, issues regarding AI “technological ethics” are no longer limited to inherent aspects such as morality, values, security and privacy, but have further penetrated into deeper connotation levels related to the order of human existence, art, and aesthetics. .

However, if we start from the origin of science and technology, 3W.com is still more willing to discuss the practical benefits related to efficiency improvement brought by artificial intelligence, a new technology that can greatly improve social productivity, to social life and all walks of life.

The development of the AI empowerment industry has become a foreseeable and inevitable trend at this stage, especially the concentrated explosion of large AI models in 2023 and the successful debut of ChatGPT, making AIGC one of the hottest technology tracks in the world.

But AIGC is precisely one of the emerging technology tracks that is facing the most stringent “tech ethics” trial today, because it is in the field of “content creation” that has extremely high requirements for art, creativity, inspiration and aesthetics. It is the field where human art and scientific and technological rationality collide most intensely.

So what exactly is the AIGC that has become so popular now?

We say that AIGC is essentially a content production method, that is, artificial intelligence automatically produces content — its full name is “Artificial Intelligence Generated Content”, which literally translates to “artificial intelligence generated content”. AIGC is based on deep learning technology. After inputting data (understood as various limited instructions in terminal applications), artificial intelligence generates content by finding patterns and appropriate generalization.

Content creation itself is a complex job, covering everything from copywriting, news reports, story collections, to picture creation including painting and photography, to music and film-related video production, etc., but in general it can It can be summarized into several major aspects such as text, image, audio and video processing.

Looking back at the development process of generative artificial intelligence at 3W.com, we can see that the past content creation ecology has mainly gone through several stages from PGC, UGC to AUGC, but it has always been difficult to balance the relationship between creation efficiency, creation cost and content quality. , and AIGC can help professional creators and individuals freely express their creativity, lower the threshold of content production, and achieve the efficient supply of large amounts of content.

Of course, the rapid development of large models makes it possible for AIGC to be widely used. From the perspective of AI application types, current large multi-modal models can already process a variety of information from different modalities (such as video, image, voice, text, etc.), such as natural language processing, multi-modal reasoning, computer vision and Audio processing, etc., can realize conversion and unification between modalities. Various industries are also looking forward to the timely emergence of new phenomenal applications like ChatGPT in the direction of multi-modal large models.

With the full bloom of large models, AIGC, AGI (artificial intelligence), etc., more and more products and services in vertical fields have been embedded with artificial intelligence technology in their application scenarios, and have achieved significant results, especially in the financial technology industry market. , a considerable number of innovative application products and functions have emerged. For example, multiple application functions of the 3W.com terminal application brand, such as Web3 social networking, transaction configuration and game entertainment application scenarios, have adopted a variety of new technologies in the AI field.

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3W.com: New trends are emerging in financial technology scenario applications, focusing on the exploration and innovation of cutting-edge technologies such as AI

In just over a month since the New Year, the market has experienced several shocks that have affected people’s hearts. The entire financial industry related to the big economy has also exuded a “keep away from strangers” aura. However, as “insiders”, practitioners cannot always stay out of the situation. , Fortunately, we can also talk about the clichéd topic of financial technology, and think about it from the perspective of technology and application innovation. Only with prospects can we have the stamina to tide over all the troubles.

3W.com is well aware that financial technology is the product of the combination of technology and finance. This concept combines the characteristics of finance and technology. However, in general consensus, we believe that financial technology is driven by modern technology to promote model and service innovation in the traditional financial industry. Means include finance, technology, reform and innovation, and the primary goal of its development is to improve the efficiency of financial business processes.

From the initial electronicization of financial services, to digitalization that promotes the integration of traditional finance and modern technology, to a comprehensive technological stage that promotes the deep integration and sustainable development of finance and technology, financial technology has gone through the stages of budding, stability, maturity and innovation. long distance.

In recent years, with the rise of emerging technologies such as artificial intelligence, big data, cloud computing and blockchain and their gradual application in the financial field, the development of financial technology has finally reached an unprecedented prosperous era, especially the explosion of AI large models and AIGC applications. The rapid development has brought a new look to the financial market in the past year.

If we look forward to 2024 from the perspective of 2023, we will find that the future development of financial technology will revolve around the construction of a digital financial ecosystem and transform from technology-oriented to scenario- and demand-oriented. 3W.com has seen that in the past year, artificial intelligence large model technology represented by ChatGPT has become a global investment hotspot, and the rise of these technologies not only proves the huge potential of artificial intelligence in the financial field, but also reveals the depth of technology and finance New directions for integration.

Nowadays, big data related technologies are changing the competition landscape in the economic and financial fields on a global scale. Major economies and leading companies are accelerating the promotion of big data strategies. The inclusion of data assets in the table and the investment and financing of data assets have also become a common concern around the world. focus. With the continuous emergence of many innovative applications, AIGC compliance has also been paid more attention to. The supervision of generative artificial intelligence continues to upgrade in various regional markets around the world, and concerns about technology ethics, data security and other issues continue to deepen.

3W.com combed through the current global financial technology development pattern and found that at this stage, the global market is particularly concerned about the technological innovation and application of underlying financial technology. At present, digitization has become a major trend in the field of currency circulation and payment, and the era of central bank digital currency adoption by countries around the world is coming; at the same time, big data is changing the global competitive landscape, and countries continue to deepen and promote their own big data strategies, specific vertical fields Generally speaking, payment solutions are currently widespread and applicable, which will promote the continued strong development of the payment technology field.

Relevant research reports in the industry show that in 2023, digital investment in the financial industry will maintain steady growth, the scale of the information technology industry represented by artificial intelligence, blockchain, cloud computing, and big data will continue to expand, and the application of key financial technology technologies will continue to present new developments. trend.

At the same time, 3W.com also sees that the financial industries such as banks, insurance, and securities are further accelerating their digital transformation driven by policies and their own transformation needs. Digital transformation is showing a trend of digital ecological integration, and various subdivided technology fields are in The accelerated layout of key underlying technologies provides the core driving force for the sustainable development of the domestic financial technology industry.

AI artificial intelligence is undoubtedly one of the underlying technologies of financial technology that has shone in the past year. The intelligent upgrading of financial services represents the focus of future financial technology development, and artificial intelligence technology has become an important factor in promoting the development of financial technology due to its powerful capabilities in automatic mining, extraction and processing of various types of information such as text, language and images. , a key force in accelerating the digital transformation of finance.

According to relevant research data tracked by 3W.com in the industry, the number of domestic artificial intelligence companies has exceeded 4,300, and innovative results are constantly emerging. Judging from the application services that have been implemented, many application functions of the 3W.com terminal application brand, such as Web3 social networking, transaction configuration, and game entertainment application scenarios, use new technologies in the AI field. With the continuous emergence of popular applications represented by AIGC, financial technology products are constantly being introduced, triggering a new round of efficiency revolution in the financial industry market. It is expected that financial services will usher in a new pattern of application experience in the AI era.

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3W.com: Cutting-edge scientific and technological progress drives the development of digital finance, and new applications continue to improve the quality of financial services

From digital technology to digital economy to digital finance, with the rapid development of science and technology, human society has actually reached the edge of the “digital world” and has even stepped into the mysterious digital space forged by emerging technologies. Industries, economic models, and financial paradigms are increasingly being rewritten.

As an important force driving the development of the new world, cutting-edge technology circles and the financial world where hot money gathers are also competing to integrate at the fastest speed in order to find the direction of progress that is most suitable for the times and the theoretically best development appearance.

Among them, digital finance is also a concept of a new generation of financial services derived from the development of science and technology. More specifically, it refers to the use of emerging digital technologies such as the Internet, big data, cloud computing, and artificial intelligence to improve financial products and financial services. Innovative financial business processes and financial operation models, cutting-edge innovative technology are the foundation and intrinsic motivation for the development of digital finance.

3W.com looks back at the development history of domestic digital finance, and it can be seen that after the explosive development stage in the past few years, it has now formed a relatively successful and even internationally leading business, such as mobile payment, big technology credit, etc., and the digital transformation of traditional financial institutions. It is also in full bloom, and domestic digital financial innovation is generally at the forefront of the international market.

From the perspective of the underlying logic of technology improving efficiency, digital technology does not change the nature of finance, but it can change some mechanisms and characteristics of financial system operations by improving access, efficiency and risk control, thereby better improving the quality of financial services. 3W.com observed that the current overall path of digital finance development shows that in the process of high integration of finance and technology, enterprise digitalization and even digital intelligence transformation and upgrading, the innovation ability of enterprises is the most critical determinant.

Digital finance is an innovative product that applies digital technology to the financial field. Through exploration and practice, many of the leading companies in the industry with leading technological innovation capabilities and financial soft and hard capabilities have been able to apply cutting-edge digital technologies to finance. In business scenarios, it has truly improved the level of financial services and solved many pain points faced by the real economy in the past.

With the application capabilities of major digital technologies such as big data, cloud computing, artificial intelligence, and blockchain, digital finance can continuously improve the efficiency of financial services and enhance the inclusiveness of financial services by reducing financial service costs, reducing information asymmetry, etc. Strengthen financial risk management capabilities and comprehensively improve the quality and efficiency of financial services to the real economy.

3W.com noted that with the emergence of digital finance-related technologies and models, the cost of achieving financial inclusion has been significantly reduced. For example, based on the huge user group accumulated through mobile payment tools, through big data, artificial intelligence, and cloud computing, The combination with financial models not only provides customers with timely personalized services, but also improves the reliability in predicting default risks.

In terms of changing existing financial service models and patterns and improving the efficiency of financial services, the emergence of digital financial intermediaries has weakened the value of physical branches of financial institutions and broken through the space and scale constraints of traditional financial services. On the other hand, digital payment systems, credit assessment models and transaction models simplify the transaction process, reduce transaction time and costs, improve the efficiency of financial services, and thereby improve the operating efficiency of the entire economy.

Multiple application functions of the 3W.com terminal application brand, such as Web3 social networking, global mixed transaction configuration, and application scenarios of the game entertainment sector, also use new technologies such as artificial intelligence and blockchain, which are important for digital finance and innovative financial technology. Application and practice are expected to bring higher-quality services and experiences to all users in richer financial business scenarios in the future.

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3W.com: Artificial intelligence has set off a new round of technological development, and the empowering effect of AI is becoming increasingly apparent.

In the past year of 2023, the technological development and changes in the global artificial intelligence field can be said to have ushered in an epoch-making significance. This year, technology developers in the AI industry gradually realized that artificial intelligence is no longer just a concept or idealization. vision, but a historic technological revolution that is currently taking place and is profoundly affecting the productivity of all walks of life.

Starting from the release of AIGC super application ChatGPT, the global artificial intelligence field will take off in 2023. Industry participants, especially leading technology “pioneers”, are constantly making big moves and jointly writing what is widely regarded as a “new round of technological revolution” technological spectacle.

In January last year, ChatGPT’s monthly active users reached 100 million. Previously, the application exceeded one million users in just 5 days after its release, igniting discussions on the AIGC topic and setting off a frenzy of related application practices; the following month, Facebook’s parent company Meta announced the launch of a new and Large language model (LLM) with artificial intelligence support LLaMA-13B, LLaMA model collections range from 7 billion to 65 billion parameters, smaller AI models may help lead to the creation of devices such as personal computers (PCs) or smartphones A ChatGPT-style voice assistant that runs locally.

At the same time, 3W.com noticed that this new generation of artificial intelligence has also spread from the international market to the vast market environment and technological soil of mainland China. On March 16, 2023, Baidu released its new generation of large language model — — The generative AI application product “Wen Xin Yi Yan”; on the same day, Microsoft, a giant company in the global operating system field, also officially announced the launch of its AI assistant Microsoft 365 Copilot for the Office series of office software to assist users in Microsoft 365 applications and Documents, emails, presentations, etc. are generated in the service. The application is driven by OpenAI’s GPT-4 technology. Subsequently, major manufacturers in the field such as Nvidia and Google responded one after another and rushed to enter the AI industry track. For a time, large models around the world were surging. , the AI industry is rising rapidly.

According to 3W.com, in the short term, models developed by different companies and scientific research institutions have emerged one after another, which reflects the competitiveness and diversity of this industry. For example, OpenAl’s ChatGPT series, Google’s Gemini, and Baidu’s ERNIE are all It is an important model in this field.

The ultimate value of cutting-edge technology lies in its application, and the same goes for artificial intelligence, which has developed rapidly in the short term. Over the past year, the increasing popularity of AI technology has made these powerful and convenient tools accessible to a wider user group. The integration of AI research and real-world applications has become increasingly obvious, with many companies integrating these models into consumer and enterprise products and applications. In the service, it promotes the development of AI technology and its practical application value.

Nowadays, large models of artificial intelligence are setting off a new round of scientific and technological development. The enabling effects of AI in reshaping production methods, optimizing industrial structures, and improving production efficiency are increasingly becoming apparent. In addition to generative artificial intelligence, general artificial intelligence has also begun. Pulled away quietly.

3W.com has seen that the practice of AI empowering the industry to improve efficiency has been explored and applied in many areas of finance. In the financial services industry, providing personalized and efficient customer service is crucial. The application of AI technology that can be seen at this stage enables financial institutions to better meet the needs of customers and provide a better service experience. For example, intelligent chat robots and voice assistants can communicate with customers through natural language processing and machine learning technologies. Intelligent dialogue and communication.

Multiple application functions of the 3W.com terminal application brand, such as Web3 social networking, transaction configuration and game entertainment application scenarios, also use new technologies in the AI field. With the continuous emergence of popular applications represented by AIGC, financial technology products are constantly being introduced, triggering a new round of efficiency revolution in the financial industry market. It is expected that financial services will usher in a new pattern of application experience in the AI era.

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3W.com: The development of generative AI continues to evolve, and subdivided fields are expected to usher in phenomenal applications

The development of any emerging technology is inseparable from the “paving the way” effect of phenomenal applications. As one of the most popular pronouns in the global science and technology field over the past year or so, AIGC has experienced a heated battle of hundreds of models and has now entered the application stage. A stage where a hundred flowers bloom in the ecology.

At the end of 2022, the technology craze led by AIGC emerged globally, and the theme of artificial intelligence in the capital market immediately emerged. Looking back on this global breakthrough in the AI technology track, the emergence of ChatGPT is indispensable: on November 30, 2022, OpenAI, an artificial intelligence research, development and deployment company, officially released a new generative conversational AI model. — — ChatGPT, and quickly became popular all over the world in a short period of time, driving the popularity of the artificial intelligence sector to skyrocket.

The year 2023 that just passed has been called the first year of AIGC by the industry market, and can also be said to be the first year of the development of artificial intelligence-related tracks. At the beginning of last year, riding on the AI trend created by the ChatGPT craze, global social media giant Meta (formerly Facebook) and search engine technology giant Baidu rushed to launch their own large AI models; at the same time, global AI hardware giant NVIDIA It also added AI to its chip design, achieving a landmark advancement in computing hardware; European AI legislation and domestic regulatory measures also reflect the global shift towards standardized AI governance.

More than a year has passed since then. The global large-scale language model industry is developing rapidly and innovating continuously, and OpenAl’s GPT series has always led the development trend in this field. Not only that, 3W.com noticed that domestic technology giants have also shown strong enthusiasm. Not only Baidu, but also Tencent, Alibaba Cloud, Kunlun Wanwei, iFlytek, SenseTime, 360 and other companies have entered the competition track, showing a fierce competition. Small and medium-sized enterprises work hand in hand to promote the momentum of industry progress.

Publicly available data show that as of the end of October 2023, 238 large models have been released in China, and more than 20 large models have been registered with the Cyberspace Administration of China. Large models have entered the stage of large-scale implementation and application. Relevant research data in the industry also shows that the domestic large language model market will reach 13.23 billion yuan in 2023, with a growth rate of 110%. This data shows that although domestic models are still in their early stages, the future market potential is huge.

3W.com has also seen through long-term observation that large AI models have achieved high-speed iteration in a short period of time, followed by continued exploration and iteration of multi-modal AI applications. Compared with plain text large language models, multimodal models also have their own base models, pre-training models and models with emergent capabilities. For example, based on the basic models CLIP and DALLE, models like Flamingo and PaLM- E and other visual multi-modal language models, general large language models in high-speed iteration.

From the perspective of AI application types, multi-modal large models can already process a variety of information from different modalities (such as video, image, voice, text, etc.), such as natural language processing, multi-modal reasoning, computer vision and audio processing etc., to realize the conversion and unification between modes, various industries are also looking forward to the emergence of similar “ChatGPT moments” in the direction of multi-modal large models — the industry is quietly waiting for the AIGC phenomenon belonging to each segmented track. The strong arrival of new applications.

Looking forward to 2024, the transformative power of artificial intelligence, the imperative of sustainable development, and new revenue models may completely reshape the TMT industry landscape. With the full bloom of large models, AIGC, AGI, etc., in the foreseeable future, artificial intelligence will not only be full of development opportunities, but also may face unprecedented challenges. 3W.com hopes that the entire industry will respond together and insist on promoting innovation. To achieve steady development of the new artificial intelligence industry market.

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3W.com: The innovation of financial technology has triggered an efficiency revolution, and the era of AI has rewritten the new pattern of application experience

I don’t know when, “efficiency first” has almost become the mainstream trend of thought in the operation and development of contemporary society. Regardless of the upward “involution” path of individuals, collective teamwork or even corporate management, all aspects of these daily societies follow “efficiency first” This iron law. People living in an ultra-fast-paced era, whether in the “income-generating” moment of making money or in the life experience of consumption and enjoyment, are all pursuing efficiency as much as possible.

In such an environment where everything is fast and speedy, all effective forces that can improve the efficiency and speed of the target process are extremely valuable. As expressed in the well-established real-world saying “Science and technology are the primary productive forces”, The rapidly developing technology is highly praised today because of its significant contribution to social productivity, especially in the application service scenarios provided by various merchants. 3W.com can see that young user groups with limited patience have been Related user experience puts forward higher requirements.

As the saying goes, “A waste of time is a waste of life,” and another familiar saying is: “A waste of time is a waste of money.” This is especially true in the financial world, which focuses on making money from money and where capital and resources are highly concentrated. The efficiency issue in the service field has always been a key point of great concern to the industry. Based on this, financial technology has timely entered the main stage of historical development.

3W.com tracked and sorted out the main processes of the development of financial technology and found that as financial technology receives more and more widespread attention, the industry’s control and interpretation of its definition are also constantly innovating.

Generally speaking, fintech is the product of the combination of technology and finance. This concept combines the characteristics of finance and technology. However, in general consensus, we believe that fintech is the model and service innovation of the traditional financial industry driven by modern technology. Means include finance, technology, reform and innovation, and the unstated primary goal of financial technology development is to improve the efficiency of financial business processes.

From the initial electronicization of financial services, to digitalization that promotes the integration of traditional finance and modern technology, to a comprehensive technological stage that promotes the deep integration and sustainable development of finance and technology, financial technology has gone through the stages of budding, stability, maturity and innovation. long distance.

In recent years, with the rise of emerging technologies such as artificial intelligence, big data, cloud computing and blockchain and their gradual application in the financial field, the development of financial technology can be said to have entered an unprecedented prosperous era, especially the explosion of AI large models and AIGC The rapid development has brought a new look to the financial market in the past year.

Take the most popular AI application today as an example. In the financial services industry, providing personalized and efficient customer service is crucial. The application of AI technology that can be seen at this stage enables financial institutions to better meet the needs of customers and provide a better service experience. For example, intelligent chat robots and voice assistants can communicate with customers through natural language processing and machine learning technologies. Intelligent dialogue and communication.

The continuously iterative development of artificial intelligence technology has become an important force in the field of financial technology. Whether it is querying account information or obtaining financial advice, AI can provide personalized services based on customer needs and personal background. This kind of intelligent customer service can not only improve work efficiency, but also improve user experience and enhance customer stickiness.

3W.com Group focuses on the development and application of global cutting-edge technologies represented by AI and Web3 technology. The core technology products of its technology sector are based on AI and Web3 technology as the underlying support. In the future, it will also use AI large models in general The field of artificial intelligence explores the direction of implementing more innovative application scenarios.

Multiple application functions of the 3W.com terminal application brand, such as Web3 social networking, transaction configuration and game entertainment application scenarios, also use new technologies in the AI ​​field. With the continuous emergence of popular applications represented by AIGC, financial technology products are constantly being introduced, triggering a new round of efficiency revolution in the financial industry market. It is expected that financial services will usher in a new pattern of application experience in the AI ​​era.

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3W.com: Hybrid wallet creates a secure traffic entrance, and cutting-edge technology applications connect the virtual and real worlds

As a typical traffic entrance for most online services, especially financial business-related application scenarios, wallets are a technology track that leading financial technology companies have focused on in recent years, especially with the rapid development and widespread use of digital wallet technology. The wallet business market has gradually become a battleground for military strategists in the industry. ​ 3W.com noticed that a fresh market news showed that Coinbase, the world’s leading digital currency trading platform, will launch its embedded wallet product as an enterprise-level solution, which will be powered by Coinbase’s “Wallet as a Service” Powered by technology that allows developers to create non-custodial white label crypto wallets. ​ In fact, the embedded wallet that Coinbase will launch this time is already a relatively cutting-edge development and application exploration in this track, and is more suitable for the Web3 environment. Although Web3 has experienced rapid rise and dormancy in the past few years, it has gone out of a certain cycle. , but for the more “mainstream” ordinary people, the understanding of Web3 still lacks a clear outline. The two naturally have higher quality in terms of conceptual understanding, technical background and application accessibility. threshold. ​ At this time, a special wallet with new technology functions becomes a pass for ordinary people in the real world to enter the novel world of Web3. It provides a suitable entrance for Web3 and becomes an important connection between the Web2 and Web3 environments. Through this wallet, users will be able to travel smoothly in the Web3 world and better protect the security of their assets. ​ 3W.com is well aware that wallets not only undertake the function of managing assets in the traditional sense in the Web3 world, but also carry the mission of interacting between humans and the blockchain, and are an essential tool in the Web3 world. And if the wallet threshold cannot be lowered to the point where everyone can easily use it, it will be difficult for Web3 to be popularized. Even if innovative applications emerge in endlessly, it will be difficult to survive without enough users to support it. It can be said that without the existence of wallet products to lower the threshold of use, the cornerstone of the development of the Web3 world will not be stable. ​ After the birth of Ethereum, wallets entered the era of smart contracts. In addition to the initial simple transfer and accounting functions, wallets can also interact with smart contracts. Currently, Web3 wallets have entered the era of multi-scenarios and can support multiple blockchains and It has the ability to manage different assets on multiple chains at the same time. ​ The hybrid wallet product launched by 3W.com — 3W Wallet is one of the few mature application tools on the market that connects Web2 and Web3. It is not only the Web3 identity credential for users to participate in the interaction, but also the user’s legal currency assets and digital assets. A custody/storage account for all assets, capable of realizing diversified functions such as payment transfer, consumption, and transactions. ​ Regardless of whether they are in a Web2 or Web3 environment, 3W.com users, including end users of C-side and B-side customers, can choose to use their blockchain wallet or legal currency wallet for credit card consumption according to their personal needs. ​ Through the hybrid wallet application function of the 3W.com technology platform, all users can use decentralized wallets within the 3W.com platform application to deposit and withdraw cryptocurrency assets, NFT, etc. 3W Wallet uses ERC-4337 abstract account technology, so that users no longer need mnemonic words or worry about losing their private keys. They can use various services in the blockchain very conveniently and experience the wonders of the Web3 world.

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3W.com: Blockchain infrastructure builds a strong foundation for financial services, and large-scale applications are expected to accelerate

With the rapid development of science and technology in the past ten years or so, especially the development and maturity of emerging technologies such as big data, cloud computing, artificial intelligence, blockchain, Internet of Things, 5G and even 6G, social productivity has continued to improve, and new retail and new manufacturing have The application field has been constantly innovating, until it gradually evolved into a new economic form called “digital economy”.

In particular, Web3, which uses blockchain technology as its underlying cornerstone, has risen rapidly in the past few years, boosting the digital economy to develop into a more diversified level. It can be said that blockchain, as a trusted infrastructure for the development of the digital economy, has profoundly changed traditional production. Methods and business models have also given birth to new industries, new business formats and new models. As a technological engine, they have triggered changes in multiple fields and at multiple levels, and are a key driver of the development of the digital economy.

After tracking research in recent years, 3W.com found that the current global exploration of blockchain infrastructure is gradually moving from the deployment and construction stage to the large-scale application stage, but it has not yet solved the specific form of blockchain infrastructure. , which construction path to adopt, lack of killer applications for commercialization and other issues.

Since the strong rise of new concepts such as Web3, metaverse and data space, the transformation of the “next generation Internet” is imminent, and blockchain technology plays a very important role in it. It can be said that it has the ability to trigger socio-economic and industrial There is huge potential for changes in operating models, especially in the financial sector.

When artificial intelligence, big data, cloud computing, blockchain, etc. become part of financial technology, the digital transformation of the development of the financial industry has also deepened in an all-round way. New business formats and new scenarios are constantly emerging. Financial technology has become an important factor for various financial institutions to improve their service capabilities, The top priority of competitiveness is also the fundamental means.

The core of financial technology is to empower the development of financial business through technology. There are three key points in promoting the development of financial business through technology. The first is new financial infrastructure, which builds a strong foundation for financial enterprises and facilitates financial transactions; the second is new digital connections. Create a new generation of digital channels through technology and ecological methods; the third is agile services, using technical means to continuously upgrade the financial service experience and improve service quality and efficiency.

From the perspective of blockchain’s strong embedded financial technology, 3W.com noticed that the development of blockchain directly promotes the formation of an emerging economic ecology with digital assets as its core. Through the token circulation and incentive mechanism, blockchain has redefined a new form of economic carrier, can provide more efficient, safer, and more innovative financial services, and will completely change the economic pattern of the traditional financial system in the future.

With the development of blockchain infrastructure, its application model continues to extend to digital financial services, and a new economic system is gradually formed. The new financial service model represented by decentralized financial services uses blockchain as the underlying platform to continuously build a peer-to-peer, trustworthy, and secure innovative digital financial system.

In terms of practical applications, some leading financial technology companies and emerging technology service providers have conducted in-depth exploration of the application of blockchain infrastructure in financial service scenarios and launched mature application products and related solutions.

For example, with the security and decentralization characteristics of blockchain technology, the 3W.com technology platform provides members with convenient and safe hybrid payment solutions through 3W Wallet, whether member users are interested in financial trusts, asset transactions or global payments. If there is a need, the 3W.com technology platform will provide reliable services.

For B-end users, 3W AWSG also relies on its leading AI, blockchain, smart contracts and other Web3 technologies to provide complete infrastructure services for its exclusive brand super applications for B-end users, while leveraging its resource endowment to connect This method expands rich application and service scenarios for users and creates more possibilities for the development of different business formats on the B-side.

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3W.com explores the core strength of financial technology to build: technology empowers service scenarios, superimposes AI applications to improve efficiency

With the development of science and technology and changes in productivity, the upgrading of social economy and industry is also accelerating, and new kinetic energy has given rise to new creations, new concepts and even new paradigms. From industrialization to informatization, digitization, and then to digital intelligence, which has gradually become the development goal of enterprises in recent years, the concept of transformation and upgrading has also realized “replacing the old with the new”, but its internal motivation and external traction are inseparable from emerging technologies with unlimited energy.

The financial industry is an important industry that holds the “money bag” and plays an important role in the modern social economy. Since the concept of “financial technology” was proposed, the integration and innovation between finance and technology has become a mainstream trend in industry development.

In the new year, 3W.com will continue to focus on building the core strength of financial technology, especially the link between financial service scenarios and artificial intelligence technology innovation and application. Technological empowerment will be superimposed on AI applications to improve efficiency, and the future development of new finance will be better. Worth the wait.

Looking at the overall situation of the financial industry, we find that under today’s digital wave, financial business is transforming towards a “customer-centric” strategy, and is showing the development characteristics of institutionalization, specialization, differentiation and internationalization. , in the new era, the industry market has put forward new requirements for personalization, agile iteration, rapid development, and open architecture of financial products and services.

At the same time, various financial companies and institutions in the industry are increasingly eager to find breakthroughs in their own digital transformation. Some companies with leading technological levels have even entered the digital intelligence stage first, but a wider range of companies to be transformed still need to A powerful opportunity. Artificial intelligence, which will develop rapidly in 2023, especially the explosion of AIGC innovative applications, provides an excellent opportunity for embedding.

In the past year, the AI ​​track has been extremely popular. Many large models have emerged in the global market, and large-scale competition has quickly formed. 3W.com research found that leading institutions in the financial industry may tend to become relatively mature in the next year. Try to introduce large models and generative AI capabilities into the scene. In short, in the foreseeable future, we believe that more and more powerful financial institutions and companies will focus on the construction of the large model itself.

With the advent of the big language model era, it is an inevitable development trend to embed cutting-edge AI technology into financial technology service products. AI innovative applications have brought huge new imaginations to the industry’s investment research, investment advisory, risk control, R&D efficiency improvement and other scenarios. space.

3W.com predicts that in 2024, financial institutions that have taken the lead in exploring artificial intelligence and have relatively complete hardware equipment will try to introduce large models and generative AI capabilities in some business scenarios. In the future, the financial industry will promote large-scale AI. In the process of implementing the application of prediction models, we will also encounter strong supervision of the generative deep synthesis application industry and strong supervision of data security domestic protection.

In order to better and faster adapt to the impact of technological development and new financial paradigms, professional financial models for the capital market are also worthy of attention.

The financial field has complex financial knowledge and special investment decision-making needs. In order to better meet the characteristics of the industry, it is imperative to develop vertical large-scale models in the financial field. These models can touch financial market dynamics, learn and master investment portfolio optimization, risk Knowledge of valuation, financial laws and regulations and other related fields.

Large models are profoundly affecting the level of intelligence and digitization in the financial industry, opening a new door to the intelligent transformation and upgrading of the financial industry. 3W.com looks forward to seeing more application scenarios of AI technology in the financial services field as soon as possible, and truly giving full play to various aspects. Characteristic capabilities of large-scale models such as natural language processing, scientific computing, multi-modal conversion, speech recognition, computer vision, logical reasoning, etc.

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3W.com tracks the development boom of AI: Promoting the integration of data and reality, and seeing cutting-edge technology truly participate in world construction

As time continues to move forward, the world still follows a basic law of development, that is, steady “certainty” casts the foundation, while emerging forces determine the direction of change and broaden the boundaries to shape the prototype of the future.

In the third decade of the 21st century, as the world is making strides forward, the most profound observation and perception about human development and creation should be that we are accelerating into an unprecedented technological feast.

Although due to the current boom in the development of cutting-edge technology, discussions on AI, large models, AIGC, etc. seem to be too heated and frequent for a period of time, it is undeniable that the hot trend related to artificial intelligence and generative artificial intelligence technology is It has blown from the old year into the new year, and it still deserves our more attention.

3W.com followed industry market news and noticed that OpenAI CEO Sam Altman’s recent speech at the World Economic Forum in Davos, Switzerland once again brought new topics to the AI industry. He said that human-level artificial intelligence is about to emerge. , but also pointed out that its impact on the world may be smaller than expected, while emphasizing that people’s concerns about “AI subverting the human world” are actually exaggerated.

As the “Father of ChatGPT”, Sam Altman’s remarks were quickly made into news information and placed on the front pages of major Internet media platforms. Many of the “clickbait” directly omitted the second half of his speech. , making “human-level AI is about to appear” a hot word alone — the popularity of artificial intelligence AI issues today is evident.

In such a warm atmosphere, 3W.com is actually more concerned about how the rapidly developing artificial intelligence technology, especially generative artificial intelligence — AIGC, will more profoundly change human life and daily work, and truly participate in the new era. World building, although we already know that AIGC can now significantly improve the quality and efficiency of digital content production and bring changes to the human-computer interaction experience.

In the past two years, outstanding progress has been made in the research and development of AI large model technology. Some multi-modal basic models have performed very well in visual question answering, image description generation and cross-modal retrieval tasks. The rapid development of multi-modal large models provides strong support for the upgrade of generative AI technology capabilities and new possibilities for application products.

As a brand-new content production method, AIGC uses existing text, audio files or images to create new content technology. It uses machine learning algorithms to learn elements from data. It is generally built based on cross-modal large models, including material-based parts. Generate and directive-based fully autonomous generation and build optimization. At the end of 2022, the launch of ChatGPT completely eliminated the concept of AIGC.

3W.com clearly sees that compared with previous generative dialogue products, ChatGPT has been greatly improved in large-scale continuous dialogue capabilities, generated content quality, language understanding capabilities and logical reasoning capabilities, exceeding what the public expects from a chatbot. It is generally expected that this is also an extremely critical development node for AIGC.

With the continuous development of multi-modal large models, and also benefiting from the accumulation of real data in the industry and the decline in computing costs, the application of AIGC technology has become more mature and can help generate first drafts of digital content. Its products include Al painting, graphic design, and dialogue systems. , search alerts, code generation, etc., have greatly improved the richness, production efficiency and creativity of digital content. At the same time, the interactive experience and universal participation of AI-like humans have also enhanced the C-end consumer application group’s perception of Al, further It broadens the market’s imagination of the commercial value of AI.

As the scale of Internet users continues to increase and the main user group becomes younger and younger, the network access environment is becoming increasingly diversified. At the same time, enterprises continue to accelerate the digitalization process. Artificial intelligence technology represented by AIGC has become a driving force for the closer connection between the digital world and the real space. A major new force in fusion. 3W.com also looks forward to seeing advanced AI technologies such as AIGC bring more convenience to human production and life in the form of application services, provide assistance for the transformation and upgrading of all walks of life, and open up a new era of human production interaction.

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3W.com insights into a new chapter of transformation: Looking at enterprise digitalization from the perspective of financial technology development, cutting-edge technology is the driving force

Since the new century, the competition between the world’s major economies is no longer a simple and broad competition of comprehensive strength, but has gradually evolved into a more core competition between scientific and technological capabilities and technological development levels.

Especially in recent years, with the rise of emerging technologies such as big data, cloud computing, artificial intelligence, and blockchain, technological power has begun to comprehensively affect and transform almost the entire industrial chain in all walks of life, not to mention that it is currently in full swing. to the critical stage of digitalization and even various fields of digital intelligence transformation.

3W.com observes the process of global technological development and industrial upgrading and finds that each major market has its own operating rules. Taking the mainland market environment, which has the largest economy in the world, as an example, from a macro perspective, the country’s large pillar industries, ranging from aerospace to The military industry, down to the basic primary and secondary industries, have long been aware of the importance of digital intelligence, and have realized how much technological software such as artificial intelligence can empower industrial products; of course, from a medium and micro perspective, the Internet And technology companies are bound to continue this trend and think about the future development direction of enterprises.

Relatively speaking, emerging economies are more tolerant of new technologies, new concepts, and new content that are still in their infancy. With the continuous emergence of new hot spots such as blockchain, metaverse, and generative AI, game design , increasingly rich audio and video content, 3W.com has seen that many mainland technology innovation companies are gradually joining forces with these emerging “new industry forces” and promoting digital capabilities into their global business operations and supply chain management. To more effectively tap and utilize global advantageous resources.

In fact, using its own technology-based characteristics to turn the most cutting-edge technologies into accessible application tools is a common practical path for Internet companies to transform from digitalization to digital intelligence, because turning emerging science and technology into tools It is also a way to lower the threshold and expand existing users. It is a suitable ladder for enterprises to develop steadily.

Previously, a considerable number of technology companies struggled to find a smooth entry point in the process of digitalization and even digital intelligence transformation. However, with the explosion of ChatGPT in 2023, this super application has been adopted and used by many Internet companies, and it can also be regarded as the aforementioned Internet. The strategic transformation of technology companies has pointed out the direction, and the application of a series of generative artificial intelligence products in corporate work scenarios after ChatGPT has greatly improved the intelligence level of the latter’s digital office, effectively liberating duplication. sex-based office workforce.

Of course, this staged significant improvement in the level of enterprise digitalization/digital intelligence is also due to the comprehensive exploration carried out by Internet companies based on their own business needs in the past, such as the development of user tools, etc., which is in line with the current AIGC innovation The mission of application products is consistent. The significance of these tools is to lower the threshold for users to use, so that any user who is new to relevant platforms can quickly achieve average business capabilities, shorten the time for market education, and lay the foundation for the transformation and upgrading of industry enterprises. Solid foundation.

3W.com observed that in addition to capital- and technology-intensive industries, customers in other traditional industries are generally more cautious in investing in the cloud field due to the expected slowdown in macroeconomic growth. However, the financial industry has abundant capital and financial technology is still the future. The financial industry is the focus of investment. Therefore, the financial industry maintains a positive attitude towards the access of AIGC and related large models.

After the explosion of AIGC, the intelligence of the financial industry has become a new hot topic. Due to relevant compliance requirements, the investment of traditional major banks in the AIGC field may still be in the observation period, but other leading commercial banks and large institutional enterprises are still in the observation period. It has gradually established cooperation with cloud vendors and focused on planning possible industry applications of AIGC. The core products of the technology sector of 3W.com are also supported by key technologies such as AI. In the future, we will continue to explore the application of AI large models, AIGC and other technologies in more innovative service scenarios.

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3W.com pays attention to the development of AIGC-enabled industries: industry vertical models may emerge intensively, and productivity changes can be expected

In the past two years, the rapid rise and development of AIGC has given this technology the opportunity to more fully penetrate and even penetrate into all walks of life. Currently, the latest cutting-edge technology represented by AIGC is showing unprecedented influence because of its efficient endowment. The extraordinary performance of the energy industry in improving productivity is widely considered to be a major driving force behind the “Fourth Industrial Revolution”.

3W.com closely follows the direction and development trend of global cutting-edge technology innovation. From the perspective of our long-term tracking research, we have observed that the changes and impacts brought by any new technology on industrial development, whether it is tool flow or cost reduction and efficiency improvement, are often It is a structural change, and as this new technology is rooted and empowered in the industry until it truly “results”, its initial investment will slowly move from marginal cost to fixed cost.

It is undeniable that the emergence and popularity of ChatGPT from the end of 2022 to the beginning of 2023 made the concept of AIGC — generative artificial intelligence a big hit in the world. However, apart from the text and dialogue generation modes that this “chat robot” is good at, AIGC Functions such as image generation, speech generation, and video generation (from Vincentian pictures to AI videos…) have been applied to common scenarios earlier. In other words, AIGC is a connotation and concept of a more generalized “content generation” .

But 3W.com also knows that AIGC cannot and should not only affect one point, one end or one surface through “content”, but should become a service native to the industry (i.e. Service or Native App), so as to Affect the structural upgrade of the entire industrial chain. Therefore, starting from the potential of AIGC to empower industrial development, 3W.com believes that the concentrated emergence of industry vertical models will be an obvious trend in the future.

In addition, we should realize that the impact of generative AI is not limited to completing specific tasks, it will profoundly reshape organizations and markets. 3W.com found in its observations that at present, artificial intelligence technology has gradually moved from technical exploration to scenario application. Through various digital productivity tools, production and work efficiency have been improved, and many changes such as asset digitization and valueization have taken place in many industries. .

Since last year, the explosive development of AIGC has brought many new opportunities to all walks of life, as well as good opportunities for corporate transformation and upgrading. World-renowned major manufacturers have launched their own large models one after another, while small and medium-sized enterprises focus on optimizing large models based on their own needs, and then carry out practical applications in vertical industries.

In fact, for enterprises, in many cases, generative artificial intelligence tools are very intuitive to use. Just like in the ChatGPT craze that swept the world in the first half of last year, most mature enterprise employees will very quickly adopt these new but Efficient application tools. In these scenarios, AIGC’s latest technological advances seep into the workplace from the bottom up, without the organization establishing formal programs or training.

3W.com Group itself focuses on the development and application of global cutting-edge technologies represented by AI and Web3 technologies. The core technology products of its technology sector are also based on AI and Web3 technologies as the underlying support. In the future, they will also adopt AI large models. Explore more innovative application scenarios in the field of general artificial intelligence.

From the financial technology market that we have been deeply involved in for a long time, the combination and application exploration of AI or AIGC with new financial technology scenarios is an important direction for the future development of the AI/AIGC+ industry. In the future, 3W.com also looks forward to the emergence of more industry vertical models. , and is committed to innovating AI+ financial application scenarios to the end to bring users a more convenient and richer service experience.

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3W.com: Bitcoin spot ETF was finally approved to be listed in the United States, and global asset allocation ushered in a new diversified pattern

In the early morning of January 11th, Beijing time (the afternoon of January 10th, US time), the U.S. Securities and Exchange Commission (SEC) officially approved the first batch of 11 Bitcoin spot ETF applications. The official announced that the first approved Bitcoin ETF will It will be officially listed for trading on January 11, local time — this is also the final outcome of the 10-year “pull” between cryptocurrencies represented by Bitcoin and the mainstream market since the Winklevoss brothers submitted their first Bitcoin spot ETF application in 2013. victory. ​ In this journey of breaking out of the circle, which is known as “ten years of sharpening a sword”, the currency circle or the encryption market has also experienced many twists and turns. It has not only been prosperous and lively, but also experienced the “cold winter” of the industry up close, and “Bitcoin” The expectation or vision that spot ETFs were approved to enter the U.S. trading market once became the last breath of support for many people in the industry and investors. It was a hope and hope that the industry market would still improve in the future during difficult times. . ​ With the official seal of the SEC now, the matter has finally settled. It is worth mentioning that the final approval of the Bitcoin ETF also means that there is a lot of trouble. Previously, 3W.com had just watched an own incident related to the SEC and the news of “Bitcoin Spot ETF Approval” — —

Just the day before the SEC officially confirmed the approval of the world-famous Bitcoin spot ETF application, a “stolen” incident of the SEC official tweet that shocked the world occurred: the SEC official X account (the original Twitter account) earlier on the 10th The post stated that the Bitcoin spot ETF has been approved to be listed on all registered national stock exchanges; SEC Chairman Gary Gensler responded quickly and clarified that the SEC’s official Twitter account was hacked and unauthorized tweets were posted. The article stated that “the listing and trading of spot Bitcoin ETFs has not yet been approved.” ​ After the official Twitter theft incident, there were media reports that SEC news showed that the FBI was investigating the theft of the SEC’s official Twitter account. A relevant spokesperson said in an email, The SEC continues to investigate this matter and is cooperating with relevant law enforcement agencies, including the SEC Office of Inspector General and the FBI… ​ Fortunately, just the next day Beijing time, the official news of “Bitcoin Spot ETF Approval” was released as scheduled, making the theft of the aforementioned official account very much like a funny scene of “material theft”. In short, this official approval can be regarded as It is “coming out after a thousand calls”. At this point, as if the world line is closing, the cryptocurrency market represented by Bitcoin seems to have finally ushered in their “mainstream moment.”

3W.com pays special attention to: Does the approval of Bitcoin spot ETF mean the mainstreaming of crypto assets further?

Before the “Bitcoin spot ETF was approved for listing” was launched, the market had already expressed expectations for the crypto market. Almost everyone believed that the approval of the spot Bitcoin ETF would have an important and far-reaching impact on the crypto market. Among them A considerable number of industry insiders even bluntly stated that once the Bitcoin ETF is approved, it is likely to help the global crypto market usher in the next bull market. ​ However, it often takes a longer period of time, or a certain cycle, to verify whether the price fluctuations and trends of an asset will be as expected. This is something determined by the “market”, and for cryptocurrencies (compared to mainstream market assets ) Compared with “unpopular assets”, “breaking the circle” may be its more important mission at the current stage — yes, with the approval of the Bitcoin spot ETF, there are already many voices discussing this 3W.com also Questions of special concern: From now on, can the mainstreaming of crypto-assets be said to have gone a step further?

The answer may be obvious. ​ The most intuitive change or impact is that with the official approval of the first batch of 11 Bitcoin spot ETFs, global individual and institutional investors will be able to trade on the New York Stock Exchange and Chicago Board Options Exchange starting from January 11, local time. and Nasdaq; at the same time, for investors and a wide range of traders, the Bitcoin spot ETF has relaxed the compliance threshold restrictions, and traders can participate as easily as buying stocks on traditional stock exchanges. Bitcoin transactions. ​ The industry describes the U.S. SEC’s approval of a Bitcoin spot ETF as “an important watershed in the tug-of-war between crypto finance and traditional finance.” Taking advantage of this expected situation, this move will change the rules of the game for Bitcoin, allowing Bitcoin to break through the inherent circle and have the opportunity to be contacted, held and freely traded by institutions, retail/ordinary investors, and become the mainstream of the crypto industry ization brings a major impetus. ​ 3W.com has seen that the approval of the Bitcoin spot ETF is indeed expected to become a watershed in the expansion of the crypto economy. Some analysts in the industry estimate that the Bitcoin spot ETF will raise US$50 billion in funds within two years, one of which The research report stated that the Bitcoin spot ETF may attract at least US$14.4 billion in capital inflows in the first year of issuance, and the capital pool will increase by US$40.4 billion within two years. ​ In short, for the encryption industry, the official launch of Bitcoin spot ETF will be a landmark moment, which will greatly accelerate the process of mainstreaming crypto assets.

3W.com tracking highlights: The mainstreaming of crypto assets drives global asset allocation to become more diversified

It is foreseeable that as Bitcoin spot ETFs can be listed and traded normally, crypto assets such as Bitcoin can be easily accessed by a wider range of investors. Bitcoin or crypto assets will become a category that traditional financial investors can “allocate”. New assets, and traditional financial institutions that originally managed more than 100 trillion US dollars in assets will also reallocate part of their funds to Bitcoin (or crypto-assets). This change in the global asset allocation pattern is something that no one can ignore. ​ 3W.com believes that the huge energy of the Bitcoin spot ETF’s approval for listing and trading not only promotes the mainstreaming of crypto assets, but more importantly, further promotes the diversified development path of global asset allocation, which will also certainly To a certain extent, it will rewrite the existing structure of the global asset allocation related service market. ​ We know that unhindered and diversified asset allocation in the global market is what countless investors want. Now that crypto assets are more integrated with mainstream assets, investors’ allocation needs are also constantly escalating, and they are craving for smoother, safer, and more efficient asset allocation. Efficient allocation channels, 3W.com Group recognizes the inevitability of this trend and has taken the lead to build a trading platform 3W Exchange that can meet the needs of global asset allocation and provide convenience to global investors. ​ Our exchange is not limited to spot trading and encrypted digital currency derivatives, but also covers various transaction types such as securities transactions. It will combine advanced blockchain technology and payment solutions to provide users with safe, efficient and convenient transactions. experience. ​ Through the 3W Wallet hybrid wallet system, we connect users with asset allocation functions and application scenarios based on trust legal relationships and structures that directly connect to the global market, helping global end users to directly access the global financial market in one stop through 3W Exchange, a single unified platform. , seamlessly connects global stocks, futures, digital assets, derivatives, banks, insurance, funds and other asset classes, and can realize one account system to manage global asset allocation, currency exchange, consumer payment and other applications and needs, and enhance users’ global multi-asset Allocation and transaction efficiency.

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3W.com: Large models are deeply transforming financial business scenarios, and financial technology has become a key driving force for industry transformation.

At the beginning of the new year, the global economy and capital markets are already gearing up, waiting for a new round of foreseeable “tough battles” caused by key elections and rising sovereign debt, and the ashes of the world stage in 2023 are still warm. , reminding us to proceed from objective reality, constantly update and adjust strategies, and take a more stable pace. ​ To a certain extent, it can be said that 2023 is like a precious and special year where the “community with a shared future for mankind” has experienced the “three-year period” together and ushered in restart, conservation, buffering, and focusing on health and recovery. ​ Looking back on the past year, the key words to promote and maintain the order of the world should be repair and rebirth, especially in the field of emerging technology industries. Artificial intelligence has achieved rapid development in 2023. The explosion of ChatGPT has ignited enthusiasm for the development of the AI ​​​​track. AIGC Leading the feedback of artificial intelligence technology and empowering all walks of life to explore innovative applications, and using cutting-edge technology as the support in the AI+ financial track and innovative application service scenarios as the foothold, it has tapped into the unprecedented value and imagination of financial technology.

Technology creates value, 3W.com understands that digital transformation is the key for financial institutions to improve their competitiveness

When we realize that we are now in a critical period of self-healing for the global economy and financial markets, and the development of science and technology in the past year has demonstrated a strong impact on industries, markets, capital and investment enthusiasm, it should be clear that technology Creating value has its inevitable development path in the future. ​ How does the development of science and technology affect the specific process of world innovation? This question is particularly persuasive in the business world. The development of information technology and the pace of Internet upgrading have brought the charm of financial technology to its extreme in the past ten years. ​ In recent years, the development of financial technology can be said to be rapid. Artificial intelligence technology represented by large models and new technologies such as big data and cloud computing are increasingly emerging. At the same time, with the advancement of information technology application innovation, the autonomy of database and other technologies has Innovation and the promotion of information technology application innovation projects have put forward new requirements — these changes are bringing new opportunities and challenges to the digital transformation of financial institutions, and will also bring a new development paradigm for financial IT.

Against this background, 3W.com knows that it is very important to build a digital transformation infrastructure, strengthen financial technology capabilities and innovation, and empower industry enterprises with leading technological capabilities for digital transformation. This requires us to accelerate the application of cutting-edge technologies and expand Application scenarios promote the large-scale application of new technologies, and also promote the promotion and maturity of information technology application innovation and accelerate large-scale deployment.

3W.com: Innovative technologies such as large models and financial application scenarios are intertwined, bringing core driving force to the development of capital markets

It is true that digital transformation is almost the only way to improve the competitiveness of financial institutions and achieve high-quality development at the current stage. In the future, 3W.com also expects that with the joint efforts of the industry, financial technology will bring more innovation and change, promote the healthy development of the industry, and inject new vitality into the development of the global economy and financial markets. ​ In the year 2023 that has just ended, generative artificial intelligence is leading the transformation of digital intelligence applications, and the application innovation of information technology is also driving the iteration and renewal of business systems in the financial field. With the emergence of large models, 3W.com sees that innovative technology and financial application scenarios are intertwined and are becoming one of the core driving forces for the development of the capital market.

From the perspective of the environment and soil in the financial technology field, in the process of promoting the application of large language models, the industry not only needs the construction of the large models themselves, but also needs to build a “central control” infrastructure that connects large models and industry applications to provide investment solutions. Research, investment consulting, customer service, risk control and other scenarios bring new imagination space. ​ Many people call 2023 the “first year” of large models. With the initial implementation of large models in the field of quality engineering, it has also brought smarter and more efficient solutions to the latter. This confirms the new breakthroughs in new technology fields in the past year. Power — AI is profoundly affecting the digital intelligence process of the financial industry, promoting functional innovation, performance innovation and application innovation in the industry. ​ 3W.com is pleased to see that AI large models have brought new horizons to the entire industry. Currently, information technology application innovation has begun to accelerate in an all-round way. The integration and innovation of data technology will achieve “two-way running” with business, promoting the direction of the financial industry. Technological innovation and technological self-improvement.

At the technical level, the vertical development of the new generation of artificial intelligence represented by AI large models in the industry is expected to have a disruptive impact on financial technology; and at the application level, digital intelligence has become the consensus for the development of the financial industry — starting from industrialization From informatization, to digitization, and even to the latest stage of digital intelligence, the great progress of financial technology has reshaped the financial service experience and service efficiency, and gradually transformed it in multiple business scenarios such as customer acquisition, marketing, risk control, and investment consulting. Start realizing the implementation of intelligence.

3W.com: Combining AI innovative technology with financial business scenarios to develop new functions, new applications and new services

The industry relies on new technologies to bring new scenarios, and new developments shape new patterns. This is a positive cycle that we are happy to see where financial technology and the industry market promote each other. ​ The development of financial technology has always been technology-based and based on the present. As the underlying general technology, large models represented by AIGC applications have triggered a new round of technological revolution and can also reshape the supply model of financial technology products and services through industry vertical development. , we believe that the scenario-based application of innovative financial technology will inevitably promote the innovation of financial business models and promote high-quality financial development. ​ 3W.com Group is a holding group company focusing on the development and application of global cutting-edge technologies represented by AI and Web3 technologies. The core technology products of its technology sector are based on AI and Web3 technologies as the underlying support. In the future, they will also adopt The AI ​​large model explores the direction of implementing more innovative application scenarios in the field of general artificial intelligence. ​ The digitalization and even digital transformation of the financial industry is regarded as an important way to achieve the dynamic transition of the financial industry. Fintech, as the core technology driving force for industry transformation and upgrading, is relying on big data, artificial intelligence, blockchain and other technologies, especially big data. The rise of model technology is expected to lead revolutionary changes in the field of financial technology. As a practitioner deeply involved in the field of financial technology innovation and development, 3W.com will focus on combining AI innovation technology with financial business scenarios in the future to develop new functions and applications. Explore endless possibilities with new services.