I also find it quite funny that the standard for Chinese internet companies is to have xx finance, trying every possible way to get users to unintentionally click and activate their own internet loans, using all means to call, and guiding users through the UI to make installment payments / only pay the minimum payment to generate more interest for the company. I wonder how many people who have used domestic apps have received countless advertising calls and text messages suggesting installment payments, and how many have casually clicked on discounts when shopping, only to find that what was reduced was the interest money. What I detest is not the function itself, but this pervasive malicious guidance. When using some foreign apps, I actually feel they are more straightforward, rarely engaging in such malicious guiding behavior.

I remember there was a picture that said Foreign AI: Big model celestial battle Domestic AI: Doubao, Yuanbao, Qianwen, red envelope, 10 billion subsidies... The technological innovation of big models is basically unrelated to these old zombie internet giants, but back in the day, their innovation in internet finance came quickly.