Comparison of AI Financial Applications in China and the US (Part 1)

Artificial intelligence is reshaping the global financial industry at an unprecedented pace. From quantitative research and investment to intelligent customer service, from product pricing to risk management, AI’s reach has extended to every link in the financial value chain. In this profound transformation, China and the United States, as the two largest financial markets in the world, have taken very different development paths—each with its own market structure, regulatory ecosystem, data infrastructure, and user behavior—together shaping distinct yet mutually inspiring AI financial landscapes. This article systematically compares the application of AI in the financial sector in China and the U.S. across six core dimensions: investment research and asset allocation, product innovation, financial advisory services, marketing and sales, account management and investment platforms, and customer service. Each dimension includes representative case studies, structured comparative analysis, and key differences, aiming to provide readers with a panoramic view that combines depth and breadth.

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