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guan leiming

technical director | java

alipay’s ai life manager: the collision of dreams and reality

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as a financial tool platform, alipay has always faced the challenge of building a content ecosystem. rather than trying to create an "ai life manager", it is better to say that it is exploring how to build a more complete and attractive content ecosystem based on financial services. however, this road is full of thorns and fog.

first, the entry problem has always troubled alipay. the level of video content is too low, and the priority of local life services is too obvious, making it difficult for content to occupy the user's attention in the first place. once the content takes priority, local life services will be downplayed, which is a dilemma in itself.

secondly, how to build a content ecosystem is a difficult problem. douyin, kuaishou, bilibili and other content platforms all have their own unique tonality, while alipay's tonality seems to lack characteristics and soul. faced with such a situation, it seems a bit difficult to attract high-quality creators and accumulate user traffic.

"crisis often has two meanings: danger and opportunity." this sentence is particularly profound in the situation of alipay. with the interoperability of taobao and wechat pay, the siphoning effect of alipay's high-frequency payment scenarios will become more obvious, while its own content ecology is difficult to break through the bottleneck.

however, alipay's financial service advantages are still worth exploring. it can combine its content ecology and financial services, take "finance" as the core, constantly break the label of "content", and through in-depth exploration, finally achieve the perfect integration of content and finance.

faced with opportunities and challenges, alipay must make a choice. will it choose to continue to work hard to build a content ecosystem, or return to financial services? this will determine the future development direction of alipay and whether alipay can find its own unique position in the future.

2024-09-09