????:1??????????:???????????

2?????wx

3???????????

4??????

5?2023??????

? ??? ????????

“??????????????????????????10?????,???2.9?????????!????????,??????????”

?«?????????»??,??????????6?,??????“××??????”???????,??????????,??????????

???,????????????,??????,?????????,???????????????????2.8%,?????????1%,????????????????????????????1???????????????????????????????,?????????????

?????,????????10?????,????????2.8%?????????5%??????,???????????????????,?????????????5???????????????????

???????????,?????????,??????,????????????????????2.9??????????????“?????????,?1%,??????36??????????????,???????????????????????2.9???????????????????,?????????????????????????1.5????”

??,??,????????????????????????????“??????????????”,??????????????????,??????2.9?????????????????????????????????,????????????????????????????,???????,???????1.7??????“??????????,????????5%,?????,?????1.2??????,?????????????!”

????,?????????????,???????,????????????,????????????????,??????

????????

????

“??????,???????××???,?????????,??????1????????,????????????2??????????,????R?”

???4???????????,????????,?????????,??????××?????????,??????????????,??????,????????????????××????????

???????,???????????××???????????????,??,?????,“?????”?

??,???,????????3%????????,????,???1.9%,???????????App??????????????,???????

“????,????????????,?????,??????????0.4%?????????????????????????70????2800???????????????”???????????,????,???????????????????????,???????????????“????????????????”,?????????????????????“??????????”?

????????,???????????????,????????????????,??,????????????????:??????????,??????????,??????;????????????,????,????“????????????,??????????”;?????????????????????,?,“??????????,???0.4%”;????????????????,????????“???1.9%??1.8%,??????”?

????????????????,????????????????“???????????????????”“?????????”??????????????????????????,???????????????,???????,????

“?????????????????????,??????????????????,???,???????????????????????,?,???????????,??????????,?????????????”????,???????App,???????70?,?????????????????????????????3.4%,????????????12????“?????1.9%,?????????????????????,?????????????,??????????”

?????????????????????????,??????????????“??????????,????????????????POS???????40??,?????????22.5?????????????,????????????????????17.5????????????,??????”??????,???????,??????“????0.4%”,?2800???????

??,???,???????,???????,??6.72??????????(????2800???????????????????????,?????????24???????,?????App?????????????),???????????????????????15%???????????????????????????,?????????????:???????????“??????????,????????1.9”,????????????“%”,???“?????????????”????????????????????,??,????????????????????????,????????3.5??????????

“??????,??????,?‘????’‘????????????????????’‘????????????’??,??????,??????”????????????,??????,?????????????????????,?????????????“???????”,?????????????????????,??????????????????,????3.5??????

???“?”“??????????????????????”?,???????????????????????????“??”????,?????????????????,?????????????????“?????????”,???????????,???????????????????;????????“??????????”??????????(??????????????????),???????????????????,?????????????????,????????,???????

???,???????,???????????????????,????5?10??????50??????????????????????????????????????????100????????????????;?????????????,“???????”?“?????????????????”?;??????????????????,???????12???????,???24???????,??????????????????????,????????????

??????????????????????,?????????????????,?????????,???????????,?????,??????????????,??????????????,??????????????????

???????

???

???????,?????????

????????????,????????????,???????????“?????????????????????????????????????????????????,????????????????????????????”??????,????????,???

“??????????‘??????????’?????????????????????????,???????????????,??‘??????,??,???????’??????????,?????????????”???????????

??,?????????????????????????????????????????????????????,???,??????????????????(?????????????)???????????????,?????,????,?????????,???????????,??????????????

????????????????????,??,??????????????????,???????????,??

??,??????????????,??????????,??????,???????,??????????????????????,???????????????????,?????????

?????????????????????,?????????????????,????????????????,???????????

“????????”?????????,????,????????,?????????????,???,?????????????????????,????????????,????,?????,????

“????,????????????????,?????????,????????????????????????,??????????,??????????‘????????’‘?????????????????’?????????????????????????????????,??‘?????’‘???????????????????’???????????”?????

????????????

???????????????

?????????????????,??????????

???????2022???????????????,?,????,??????,???????????????????????????????????????????????????????,???????????????????

2023???????12??,?????????????????????????????????????«????? ?????????????»;2024??????1????,???????????????????????????????????AI?????????????????????,????????30???

??????

2023????????????3???????????,??????????«???????»,????????,??????????????,??????

??????,??????????,???????????????,?????????????,?????????????????????????????????????

???????,????????????????,?????????App??????AI?????????????????????,????????????????????????

“??????????????????????????,????????????????,?????????,????????????????????????,???????????????????????????????”????????????????????

?????,?????????,???????????,???,?????????,?????????,??????????????????????????????,???????????????????????????????

(????????????) ????????????:????