news/data/embeddings/20260616/64ac85d4c4a2a45d.json

{
  "url_hash": "64ac85d4c4a2a45d",
  "source_id": "yicai",
  "title": "AI版支付宝发布，超级应用抢滩智能体生态",
  "text": "标题:AI版支付宝发布，超级应用抢滩智能体生态\n[sentiment=neutral importance=3 event_type=产品发布 公司=支付宝,微信 行业=金融科技,互联网服务]\n摘要:支付宝发布AI版“阿宝”，超级应用加速布局智能体生态，但未提及具体A股公司。\n正文:6月16日，AI版支付宝正式发布，命名“阿宝”，支付宝完成全端AI化。此前，腾讯管理层曾披露微信会开发AI智能体，伴随着“阿宝”的推出，超级APP们都在按下布局智能体生态的加速键。\n目前，AI版支付宝已启动邀请测试，后续将逐步向全量用户开放。记者体验AI版支付宝发现，更新后的支付宝保留了原版本和AI版，用户进入支付宝显示原页面，左滑则可切换至AI页。AI页界面相对简洁，仅有“阿宝”和“资产”两个功能页，通过与智能体对话可调用大量AI功能。\n例如，直接跟“阿宝”说“帮我查下公积金”，智能体就会自动打开公积金服务入口，支付宝内嵌的生活缴费、服务预约等生态都接入了AI化，用户可以通过AI完成预约家电维修、寄快递、打车、点餐等服务。\n也有一些用户调侃，AI版支付宝最“给力”的场景是蚂蚁森林偷能量。记者发现，只要跟“阿宝”说“偷能量”，智能体就会进入蚂蚁森林页面，挨个点开好友界面，自动收取能量，完全无须用户手动操作。\n在这背后，对于用户数超10亿的超级应用来说，如何吸引许多较少接触原生AI应用的用户走向AI入口也是一项考验。无论是选择同时保留原版本和AI版，还是在蚂蚁森林等非商业化但高频的场景做AI投入，都是超级APP所面临的，需要平衡庞大且多样用户群体不同AI接受度的课题。\n此外，管钱这件事，支付宝没有直接交给 AI，而是用一个独立的“资产”页面呈现给用户。用户的余额宝、小荷包等资金明细在这里整合，个人账户的可视化及金融投资的“盯收益”在这里AI化，不过，涉及资金变动或支付环节，必须本人确认。这意味着，在涉及资金管理等重点领域，AI化所需要面临的安全风险和用户信任问题仍需谨慎处理，边界仍在被探索中。\n值得关注的是，无论是微信还是支付宝，超级App们从功能集合转向智能体中枢正在成为趋势。互联网产业分析师张书乐对第一财经记者分析，在处理部分用户复杂需求时，支付宝和微信都在试图以智能体来兼容平台内小程序，包括其他厂商提供的小程序，达成第二桌面效果。作为超级应用，如果不能实现这种便捷用户体验，未来就可能被其他平台吞噬流量和用户活跃度。但AI版的推出仅仅是个开始，超级应用们AI化成功与否的关键变量还在于这些智能体基于平台调性的智能体验。\n企迈CEO王友运则表示，对于AI版的支付宝，商家端的期待一方面是支付宝能否提供一些入口供商家使用，让消费者有很便利的入口找到附近的店，完成点单、履约交易，二是支付宝能否联合更多SaaS厂商一起去做很多行业的标准，比如门店很多信息标准怎么建设，会员权益怎么建设，把这些标准建成AI能够理解、读取、使用的场景。\n据悉，后续支付宝将推出面向开发者、商家与服务商的 Agent 开放平台。\n这也意味着，一个全面AI化的版本推出只是超级应用们未来之争的开始。当“阿宝”们开始尝试成为更多用户数字生活的智能代理，超级APP的竞争也正从流量入口的抢夺，转向Agent生态厚度与场景理解深度的终极较量。",
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