Based on AI technology, the robo-advisor brand “AI Investment” of ICBC has been put into service recently. After logging in the ICBC Mobile Banking and simply clicking “AI Investment”, ICBC customers can enjoy intelligent and professional investment services such as “Click to Invest” and “Click to Change Positions”, thus realizing customized asset allocation.

As is explained by an ICBC official, the “AI Investment” offers services with simplified operating procedure and human-oriented design. Specifically, based on the acceptable investment risk level and investment period chosen by customers, “AI Investment” analyzes such various markets as stock market and bond market through intelligent investment model, so as to recommend fund investment portfolio tailored to customers. With a minimum purchase amount of RMB10,000, the purchase of fund portfolio will be completed just by simply clicking the “Click to Invest” button. In case of inconsistence between fund portfolio and market investment situation, “AI Investment” will recommend customers to adjust their fund portfolio as per the results of re-calculation. In this way, the “Click to Change Position” service helps customers adjust their fund portfolio, so as to keep abreast with the latest market situations with the least effort.

Insiders believe that, for quite some time, the cumulative return on investment in China’s domestic stock market is higher than that of other major markets in the world. However, due to increasing volatility in the stock market, individual investors are inclined to purchase fund during the stock market frenzy, while hesitate to buy at the bottom of the stock market, which not only leads to the miss of opportunities, but also causes poor investment results, even severe losses. Furthermore, at present, there are over 4,300 funds in the market, which poses huge challenges on investors to choose the most suitable one. These problems require strong professional capability and great efforts, which, to some extent, prevent many customers from fund investment. However, “AI Investment”, as an intelligent investment and finance management method, provides customers with professional investment consulting services with relatively low thresholds. Through “AI Investment”, customers can enjoy personalized asset allocation plans, higher investment efficiency with lower time costs and opportunity costs, and benefit from the achievements of inclusive finance and technological innovation.