<p>. 1 . 2 . 4 . 8 . 10 . 15 . 18 . 20 . 21 . 22 . 23 1 /2018130%43%/ 1+N1N” 1+N 2 1 &nbsp;实时定制 &nbsp;智能客服 &nbsp;智能化技术 &nbsp;RPA 控制风险 &nbsp;优化决策 &nbsp;数字化技术边界向智能化延伸 &nbsp;我 们不难看出，数字化转型已经逐步进入了一个智能化的阶段 &nbsp;将演进路径划分为三个阶段 &nbsp;A B C 自动控制 &nbsp;实时分析报告 &nbsp;商业分析 &nbsp;IOT 云架构 &nbsp;精准 营销T 客户 标签 &nbsp;千人 千面 &nbsp;分析风控 &nbsp;产品 线上化 &nbsp;移动 应用 &nbsp; 生物识别 &nbsp;线上服务 &nbsp;协作平台 &nbsp;5G ARVR 实时 营销 &nbsp;自动审批 &nbsp;智能决策建议 &nbsp;智能顾问 &nbsp;实时服务 &nbsp;区块链 &nbsp;大数据 &nbsp;智能检测 &nbsp;精准定价 &nbsp;基于 分析 &nbsp;体验优化 &nbsp;智能核身 &nbsp; 交易实时监控 &nbsp;A B C 3 2 &nbsp;30%15%40%2 &nbsp;4 2 40%13%60%60%22%26%3 &nbsp;13% 27% 26% 12% 22% Source Deloitte Service LP, State of AI in Enterprise, 2nd edition survey, 2018 5 44/4 &nbsp;5 6 IT6 &nbsp;资本规模 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;数据规模 &nbsp;大众化产品 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;定制化产品 &nbsp;排他性关系 &nbsp;优化匹配 &nbsp;高转换成本 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;高留存效益 &nbsp;7 8 1+N &nbsp;, 1+N &nbsp;1“N”1+N &nbsp;1 &nbsp;1()</p>