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What’s new: Ant Group Co. Ltd. has launched a life assistant app powered by artificial intelligence (AI), tapping the nascent technology as the Chinese fintech giant seeks new revenue sources following a major overhaul of its business.支付宝推出独立App“支小宝”，成为蚂蚁集团推出的第三个客户端。在9月5日的2024 Inclusion外滩大会上，支付宝发布了首款AI独立App、AI生活管家“支小宝”。此外，支付宝还发布了另外两款AI产品，AI金融管家“蚂小财”及AI健康管家，双方都没有独立App，内嵌在支付宝中使用，“蚂小财”还同时可在蚂蚁财务App中使用。
The Zhixiaobao app, powered by Ant Group’s large language model (LLM) BaiLing, can help users complete tasks such as ordering meals, hailing taxis, booking tickets, and finding dining and entertainment options through text or voice chat, the company said Thursday. Zhixiaobao is also accessible through the Alipay payment app.“支小宝”基于蚂蚁百灵大模型，连接支付宝的生活服务生态，可以通过对话快速订票、点餐、打车、查询附近吃喝玩乐等。
The background: The company, which is affiliated to Alibaba Group Holding Ltd., is pushing ahead in AI, payments and international expansion following a bruising regulatory crackdown that began in November 2020, two days before it was to launch a world record-setting $34.5 billion IPO.The Hangzhou-based firm was eventually fined 7.1 billion yuan ($984 million) last July at the end of a years-long government-led restructuring.
In a revamp announced in March, Ant Group’s overseas unit Ant International, the database operation OceanBase and Ant Digital Technologies will become three independently run businesses, with their own boards of directors.The company spent a record 21.2 billion yuan on research and development last year, according to its sustainability report. It won approval from the Chinese government last year to use its BaiLing model to provide services to the public.关于“支小宝”的商业模式问题，蚂蚁集团大模型应用部总经理顾进杰表示，希望能够离商业更近，“支小宝”的很多功能已经是“支付+链接”，同时在积极探索和研究商业的可能性，但同时表示，目前首要的是产品和产品体验，尚未考虑做用户增长，“当我们还没有找到PMF（产品市场契合度）的时候，（用户增长）还没有那么着急”。
Writing by Kelsey Cheng
Editing by Jonathan Breen
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