I've recently been testing various practical application scenarios for AI assistants and found that the AI features in Alipay and several major exchanges are genuinely useful. Transfer notifications, market analysis, and smart prompts are all quite practical and basically cover the functions I need on a daily basis. The only one I don't really get used to is Doubao, probably because its interaction logic doesn't quite fit my usage habits. But honestly, integrating AI into financial tools is definitely not just a gimmick—it really does improve efficiency. This wave of technological implementation is truly well executed.