2025AI 2025AI AIAI 2025AILook, in 2025, Tian Tian Fund achieved a total of 258 million transactions for fund subscription and redemption (including regular investment), with a total sales amount of 2.61 trillion yuan. Among them, the sales amount of non-monetary funds reached 1.58 trillion yuan.As the scale of consignment sales steadily increases, TianTian Fund's strategic focus is undergoing a noticeable shift, namely from traffic-driven to technology- and service-driven. In the above annual report, TianTian Fund clearly puts forward the concept of "continuously deepening the innovation of technology-driven services," focusing on building a digitized service system covering the full user lifecycle. The core lies in the deep expansion of AI applications and the continuous optimization of platform interaction logic. TianTian Fund is working on creating a value symbiotic system of "intelligent dialogue, intelligent fund selection, intelligent investment," attempting to move wealth management services from "intelligent" to "wise." This statement reflects TianTian Fund's upgraded understanding of the role of AI. Intelligence mainly reflects efficiency improvement at the tool level, while wisdom points to a deep understanding and forward-looking anticipation of user needs. Perhaps to achieve this goal, TianTian Fund has invested in two major systems at the research and development level, the Data AI Center and the Intelligent Application Arrangement Center, to provide underlying support for personalized demand matching and precise service delivery. At the same time, TianTian Fund is also enhancing its full-chain wealth management services, strengthening cooperation with fund advisory institutions to build an integrated pre-investment, mid-investment, and post-investment accompanying service. All three major consignment giants mentioned AI Looking at the 2025 report cards of the three giants, a prominent common feature is: the market's rebound directly drove the growth of sales and holdings of weighted funds. As the A-share market heated up in 2025, stock index funds became the main battleground for fund inflows, with Ant Fund, CMB Bank, and TianTian Fund all achieving significant growth in scale and revenue through their layout in equity and index funds. In addition to market dividends, what is more noteworthy about the commonality in the business strategies of the three giants is the comprehensive competition shift from a scale competition to a service and technological capability competition. The most prominent signal is that "AI" has become a high-frequency term mentioned by all three institutions. Ant Fund explicitly integrates AI technology into daily operations and plans to increase investment in 2026; CMB Bank reshapes its retail service system through digitization and applies AI capabilities to personalized customer service and asset allocation; TianTian Fund upgrades from "intelligence" to "wisdom" and restructures the user's full-chain service experience with AI. The emergence of this trend is not accidental. Currently, no institution will neglect AI. In the industry's view, as the trend of index investment deepens and the public fund industry develops high quality, the competition logic of consignment institutions is reorganizing. The growth model that relied on channel advantages, price wars, or the expansion of single product scale in the past is becoming increasingly inadequate in the current market environment. Customers' demand for advisory capabilities, holding experience, and long-term support is growing, forcing consignment institutions to establish moats through refined operations and professional services. AI technology has become a key tool to realize this transformation. From front-end intelligent recommendations, interactive experience, to mid-end investment research support, asset allocation, and backend operational efficiency, risk control, AI is comprehensively penetrating the business chain of consignment institutions. For example, Dongfang Wealth also disclosed TianTian Fund's research and development investment situation, developing two systems, the Data AI Center and the Intelligent Application Arrangement Center, to enhance the company's product service capabilities and user experience. Previously, institutions have repeatedly mentioned personalized services tailored to individual needs, most of which have not been able to achieve, but with the application of AI, this ideal is becoming a reality, and all institutions are seeking breakthroughs. This article is reprinted from CaiLian Press, GMTEight Editor: Chen Wenfang.