7.54 million precise leads! Conversion rates tripled! Minute-level services implemented! The “secret formula” for digital wealth management in securities firms is here!
The Securities Association of China recently released 19 outstanding cases of digital wealth management practices by securities firms, showcasing an AI-driven industry transformation advancing at full speed!
Farewell to the “one-size-fits-all” guessing game! Big data and AI models are enabling securities firms to “read minds,” accurately capturing the needs of millions of investors. With policy tailwinds, technological waves, and client awakening as triple catalysts, digital wealth management has evolved from an “elective course” to a survival imperative!
These 19 case studies reveal: From AI understanding client needs, to intelligent tools empowering advisors, to operational revolutions slashing costs while doubling efficiency—digital transformation is reshaping every aspect of wealth management. Soaring efficiency, reinvented experiences, and evolved business models—these “digital pioneers” are charting a new paradigm for wealth management!
AI Mind-Reading: How Are 7.54 Million Leads Generated? Decoding Billions of Needs
Big data, cloud computing, and AIGC models not only reduce service costs but also enable securities firms to achieve mass client coverage and precision operations, driving the industry toward intelligent and personalized services.
As a pioneer, Guotai Haitong launched the Junhong Lingxi securities model with billions of parameters, establishing four core platforms to provide 6.3 million clients with innovative services across the entire investment cycle, laying the foundation for the industry’s digital service framework.
After technological groundwork, accurately capturing client needs becomes critical. Traditional models often struggle to discern true client intent due to reliance on structured behavioral data, but Xiangcai Securities broke through this limitation. Their client intent recognition project integrates structured data (e.g., behavioral tracking) and unstructured data (e.g., call recordings), leveraging large models’ semantic understanding and multimodal analysis to build a comprehensive intent recognition system. Since January 2024, it has generated nearly 7.54 million marketing leads, covering 1.28 million clients. Eight hundred employees use the “Xiang Butler App” for follow-up, shifting from “guessing needs” to “precisely identifying needs.”
From need recognition to service delivery, the granularity of client profiling directly impacts service quality. In the past, securities firms faced client distrust due to “cookie-cutter” services, but deep application of big data has resolved this issue. Guojin Securities introduced an industry-leading CDP (Client Data Platform), enriching client tags through data integration, surveys, and manual labeling, enabling self-service audience segmentation and automated tagging. Service staff can now perform client filtering and data推送 without technical expertise, significantly improving data efficiency. CITIC Securities went further, building a four-dimensional tagging system with over 3,000 attributes and a three-dimensional operations platform. In scenarios like client funding and inactive client reactivation, conversion rates tripled, and activation efficiency nearly doubled, achieving precise supply-demand matching.
Precise profiling enables service tiering, while a scientific client classification system is key to differentiated services. In securities services, risk suitability is as crucial as need matching—clients vary greatly in risk tolerance and investment goals, requiring tailored services. Changjiang Securities’ “Yangtze Dragon” system classifies clients into five tiers by “assets + value” and 15 groups by trading, wealth management, or allocation preferences, forming a “standardized products + customized services” framework. Through service, intelligence, and risk adaptation, it matches clients with appropriate services. Dongwu Securities focuses on risk levels, asset size, and service needs, empowered by AI models in platform development.
Advisor “Plug-ins” Activated! How Smart Tools Boost Efficiency
Driven by digital tech, securities firms are accelerating product and business model innovation. Tools like robo-advisors and algorithmic trading not only meet diverse client needs but also propel the industry from traditional brokerage to comprehensive wealth management.
Digitally empowering advisors is a key starting point. Huatai Securities created “Liao TA,” a dedicated advisory platform enabling full-process digital support, shifting focus from “product pitching” to “client engagement.” It later launched “Wen TA,” an AI-powered Q&A system. Guotou Securities focused on brokerage transformation, forming a smart trading team to offer Alpha-T strategies and quantitative tools. Algorithms enable rapid trade adjustments, helping advisors optimize timing and reduce costs, while smart risk monitoring provides professional backing.
Extending from advisor empowerment to full-cycle client services, Guotai Haitong merged tech with professional advisory. Analyzing five years of data from 3.3
