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托风控大模型，强化欺诈检测与商户信用评估，覆盖支付宝80%的交易场景。但差异性在于场景深度：支付仍依赖用户主动操作，AI仅作后台支持。蚂蚁的AI支付在商户端渗透率72%高于京东45%，但在代理式消费者端体验上稍显落后，因为遵循“安全优先”与“体验优先”的战略原则。该图片可能由AI生成

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