2025年技术趋势

Yourall-in-oneAISuperAnalyst formarketintelligence Instantinsightstobetontherightmarkets,stayaheadofcompetitors,andsourcetherightcompanies. Techtrends Enterprise Financialservices Thecyborgwealthadvisor04121924AIagentsaregivenmoneytospendCryptotakesmorebabystepstowardthemainstreamCompressedfintechvaluationscreateopportunitiesforacquirers Spatialcomputingforenterprisesisheretostay71 Retail&consumer 76Retail’spersonalizationimperative Healthcare&life sciences Industrials DiseasemanagemententersanewphasewithAIInvestmentfloodgatesopenforRNAtherapeuticsAutonomousrobotseyecaregiving303540 Thefuturedatacenterarrives8186Cheaperaccesstospacesparksinvestorrush AI AIM&AfuelsthenextwaveofcorporatestrategyLLMs’explainabilitymoment45515865Open-sourcecedestopLLMsbutdominatessmallermodelsTheUSisleadingtheAIarmsrace—fornow Financialservices Thecyborgwealthadvisor Financialservices Drowninginadminwork,financialadvisorsspendlessthanafifthoftheirtimewithclients Topperformers eke out an additional 9%of their time for clients—driving~200additional1-hour meetings per advisor per year Financialservices Togetthattimeback,wealthgiantslikeMorganStanleydoubledownonAIforadvisorproductivity MorganStanley’s wealth management business saw record net revenue in Q3’24 on theheelsof deeper AI integration Financialservices Butoutsideofthelargestandmostwell-resourcedfirms,wealthmanagersarecautiousaboutAI Wealthfirms’AI plans have been hamstrung by concerns around regulation and dataprivacy,as well as a lack of knowledge and technical skills Earlydays:NearlyhalfofwealthmanagersarestilllearningaboutAI,whileanotherthirdareimplementingitincrementally 62% offirmsseethelackofregulatoryguidelinesasatopobstacletoadoptingAI Source:Wiprostudy,September2024,n=100 Financialservices Oneofwealthmanagementfirms’biggestopportunitieswithAIistobringscaleandspeedtothe‘humanelement’ofadvisory AIcan augment financial advisors’capabilities at every point of the wealth value chain Financialservices PersonalizedclientengagementisoneofthemostmatureAIusecasesinwealthmanagement GenAIstartups are automating marketing tasks like copywriting and video creation Source:CBInsights—ThegenerativeAIinfinancialservicesmarketmap.Toidentifyplayersforthismarketmap,wereviewedgenerativeAIcompaniestargetinghorizontalapplicationsandshortlistedthosewithfundingmomentum(receivedfundingsincethestartof2022orwithtotalfundingof$30M+).Wethenfilteredbasedontheindustriesthecompaniesserve,selectingcompaniestargetingfinancialservicesapplications. Financialservices ForfirmslookingtobuildAIintoclientengagement,integrationwithexistingtechstackiskey Easeof integration is a selling point,as shown by positive customer reactions toNitrogen’sAI-powered client engagement and prospecting tool ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮II Financialservices Wealthmanagerscanselectfrom50+AI-focusedwealthtechpartnersthathavealreadyvalidatedtheirproducts Themajority of B2B AI wealth techs are growing client distribution,signalingcommercial readiness PotentialpartnersintheDeployingstageorlaterwithhighMosaicscores(measuringbusinesshealth) Financialservices AIagentsaregivenmoneytospend Financialservices AIagentsareemergingacrossthesoftwarelandscape,butthey’reutilityislimiteduntiltheycanmaketransactionsseamlessly Privatecompanies building the infrastructure for AI agents proliferate Note:AIagentsrefertoLLM-basedsystemsthatcanindependentlyreasonandexecutetasks.PrivatecompaniesthatareprimarilyfocusedonAIagentinfrastructureapplicationsonlyvisualized. ▮ ▮ ▮ ▮ ▮IIIII Financialservices Currentpaymentsinfrastructureisdesignedforhumans—andkeepingbotsout Onlinepayments flow today Financialservices CryptoemergesasthefirstAIpaymentrail Earlymovers Skyfire and Coinbase target agent-to-agent transactions to circumventhumanidentify verification required for bank accounts and credit cards 15 Financialservices Stripelaunchesdevelopertooltoenableagentstospendfunds Stripe’sand Coinbase’s entry signals a strategic push from established players toleadthe emerging agent-enabled payments ecosystem Financialservices Bigtechenvisionsthefutureofagentcommerce,butearningusertrustwillbekey AtGoogleI/O2024,CEOSundarPichaishowcasedGeminiperformingashoppingreturnend-to-end(May2024) AIagentsareontheroadmap—includingautonomousAIshoppingagents Eventually,“youcouldmaybegiveitabudget.”—TrishulChilimbi,VP&distinguishedscientistatAmazon|WIRED(October2024) Exploringcomputerusing-agentsthatcanhandlepersonaldatalikecreditcardinfotoaccomplishtasks|TheInformation(October2024) 17 Agenttrustlayerwillemergeasthefirstbigmarketopportunity Beforeautonomous spending can scale,watch for identity verification and accessmanagementplayers to build the“driver's license”for AI agents Financialservices Cryptotakesmorebabystepstowardthemainstream Financialservices Cryptohasreturnedtotheconversationforexecutives Quarterlymentions of crypto and related terms on earnings calls(as of Q3’24) ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮ ▮III F