马化腾终于放出大招，腾讯推出天御系统终结，这次谁也逃不出去
前段时间阿里钉钉CEO无招去谷歌，谷歌的高管问无招你们有没有过10亿（日活）的产品？当时无招不知如何回答，虽然中国的互联网已经处于世界领先，但放眼中国目前也没有过10亿的产品，唯一接近10亿的还是另一个互联网巨头腾讯的产品。
目前腾讯手上拥有两个巨无霸级别的社交产品，一个叫微信，一个叫QQ，这两个产品几乎已经垄断中国互联网的半壁流量。用户数量是多了，但是风险与安全却成了巨大的安全隐患。
加之互联网金融的高速发展，很多人脱离传统银行，更习惯把钱放在理财平台与第三方支付平台，人们的财产也得到了威胁，互联网安全问题迫在眉睫。
欺诈、盗号、伪造等等问题已经火烧眉毛！
估计是马化腾也看不下去了，腾讯云天御反欺诈系统出炉！
腾讯依靠海量的社交数据进行侦查识别，通过人工智能运算进行判断分析，依托腾讯十余年的黑产对抗经验，为银行、互金、消金等企业单位实时甄别欺诈风险。
拥有超10亿的月活跃账户，社交、支付、游戏、安全等众多领域，腾讯大数据为腾讯云天御反欺诈服务提供了国内最大的用户画像库。腾讯云天御反欺诈不仅能做到对互联网金融客户99.9%的超高查得率，还能对欺诈行为做全方面的精细刻画。
百度也推出了类似的风控系统，
而最近，百度利用人工智能和大数据技术优势，推出金融大数据风控平台——“般若”。般若源自梵语，意思为“终极智慧”，2017年百度智能金融展示了”般若”的威力，在信用领域，可以将风险区分度提升13%，在反欺诈领域，可以提升识别骗贷团伙的成功率。
简单的来说，百度依靠人工智能与数据处理技术，对金融平台进行分析计算，并且加以识别，随着时间的逐渐成熟，般若必定的会涉足传统的金融机构，扩宽金融边界。
除了BAT外，中国第四大互联网公司京东也早已开始了金融的布局，目前只能依托京东电商平台获取支付数据与金融数据，虽然刘强东曾提出“五年百分百超阿里”但相比蚂蚁金服京东金融仍然有一段路要走。
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