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通向財務自由之路

大家好呀！歡迎返嚟我哋個頻道，我哋會深入探討財務自由同智慧理財嘅話題。今日我哋要探討一個非常合適而且對我哋財務健康好重要嘅話題——點樣通過被動收入嚟實現財務獨立。呢個靈感來自Rachel Richards嘅深度書籍《被動收入、積極退休》（Passive Income, Aggressive Retirement）。

咁，Rachel Richards嘅信息精髓係咩呢？其實可以用一句話嚟講：多元化係關鍵。係呀，朋友哋，淨係靠傳統退休儲蓄嘅日子已經過咗。不如創造多種收入來源，咁樣可以畀你更穩固嘅財務基礎。

Rachel列舉咗好多種被動收入來源，例如係房地產投資、股息股票、在線業務同版稅。最正嘅係，佢話你其實唔需要成為專家先可以開始。只要將投資分散去唔同來源，你就可以有效減少風險，增強你嘅財務穩定性。

但Rachel唔單止講呢啲。佢仲分享咗自己實現財務獨立嘅個人經歷，仲有好多實用嘅節儉建議。係呀，量入為出好重要。呢個簡單原則係任何成功財務策略嘅基石。通過最小化唔必要嘅開支，你可以釋放更多嘅資金去投資你嘅被動收入項目。

而家，講下計劃同教育。財務獨立唔係一夜之間可以達成嘅。呢樣需要周密嘅計劃同持續學習嘅承諾。呢段旅程要求我哋主動管理投資，不斷睇市場趨勢，適應金融環境嘅變化。

Rachel本書最引人注目嘅係佢激勵人心嘅語氣。佢話畀我哋聽，財務獨立唔係遙不可及嘅夢想，唔係淨係屬於少數人。無論你而家嘅就業狀況或者財務情況如何，建立被動收入來源係可以實現嘅目標。只要有正確嘅心態同工具，你就可以開始鋪設通向積極同早期退休嘅道路。

總結一下，《被動收入、積極退休》係一本激勵同實用嘅指南。佢挑戰傳統嘅退休計劃，同時提供咗通向財務獨立嘅路線圖，其基礎係多元化、節儉同持續學習。喺我哋導航自己嘅財務旅程時，記住分散風險、明智管理生活方式同保持對投資選擇嘅教育嘅重要性。

多謝大家收睇！記得畀個讚、訂閱我哋嘅頻道，咁樣你就唔會錯過任何更新。希望你嘅財務自由之路繁榮而充實。下次見啦，繼續投資你嘅未來啦！

Insights into China's Digital Transformation and Innovation

During my recent study trip to Hangzhou, I had the opportunity to visit several prominent Chinese companies, gaining valuable insights into their innovation practices, strategic challenges, and the rapidly evolving business landscape in China. The fourth day of the trip was particularly insightful as it provided a comprehensive understanding of how Chinese companies are navigating the digital transformation journey across various industries.

Geely Holding Group Co., Ltd.: Pioneering the Future of Mobility

Our visit to Geely Holding Group was eye-opening, showcasing how a traditional car manufacturer is transitioning into a tech-driven mobility company. Established in 1986, Geely entered the automotive industry in 1998 and has since evolved into a global player with a diversified brand portfolio, including Geely Auto, Lynk & Co, Zeekr, and Volvo Cars. Their emphasis on sustainable technologies, electric vehicles (EVs), and autonomous driving signifies a bold shift toward a future where car ownership may decline, giving way to shared mobility services.

Key Takeaways:

• Innovation Leadership: Geely is pioneering the transition from gasoline-powered vehicles to electric, hybrid, and methanol-powered models. They are not just adapting to market trends but are setting them, particularly in autonomous driving and in-house chip development with their proprietary StarEagle chip.
• People and Culture: The company has established universities to address talent shortages and is actively engaged in corporate social responsibility (CSR) initiatives, like the Blue Guardian Project. This reflects Geely's dedication to cultivating an ecosystem that fosters innovation and social impact.
• Future of Mobility: A major highlight was Geely's belief that the future of car ownership will transform into car-sharing services. This shift in focus will not only change their customer base from individual consumers to service providers but will also require a different approach to product development and marketing.

My reflection on Geely's approach underscores the importance of adaptability and foresight in the automotive industry. As the market evolves, so must the strategies companies use to remain competitive and relevant.

Anheng Information Technology Co., Ltd.: Shaping the Future of Cybersecurity

Our next stop was Anheng Information Technology (DAS-Security), a leading cybersecurity firm in China. DAS provides a wide range of solutions, including cloud security, penetration testing, and AI-driven security operations. They hold a substantial market share in government cybersecurity within China, emphasizing the critical role of cybersecurity in the digital age.

Key Takeaways:

• AI-Driven Security: DAS employs artificial intelligence to reduce alarm noise, streamline threat detection, and enable smart decision-making. Their AI-based Heng-Nao Security Large Model is particularly effective in identifying weak-feature attacks, a testament to their technological prowess.
• Market Challenges: Despite its domestic success, DAS faces significant hurdles in expanding internationally. Regulatory compliance, market perception, and competition with established US-based cybersecurity providers are key obstacles to their global ambitions.
• Customized Solutions: DAS's emphasis on customizing solutions based on deep client engagement, particularly for government and enterprise clients in China, highlights their customer-centric approach. This strategy is crucial in a market where security needs vary significantly across different sectors.

This visit brought to light the complexity of cybersecurity in a global context. As companies like DAS strive to expand internationally, they must navigate diverse regulatory environments and overcome market skepticism, particularly concerning data privacy and the quality of Chinese products.

New H3C Technologies Co., Ltd.: Enabling Digital Transformation

H3C Technologies impressed us with its global leadership in digital solutions and infrastructure. Originally a joint venture between Huawei and 3Com, H3C has become a key player in AI-driven solutions, digital infrastructure, and smart technologies. Their "AI in all" strategy underscores the central role artificial intelligence plays in their product offerings.

Key Takeaways:

• AI-Driven Solutions: H3C integrates AI into various aspects of their products, from smart factory solutions that use robotics and high-resolution CCTV for live monitoring to smart classrooms equipped with AI-driven technologies. Their focus on AI-driven digital infrastructure demonstrates how AI is becoming the backbone of digital transformation.
• Brand Awareness: A significant challenge H3C faces is building brand awareness in markets like Singapore. To expand globally without relying on third-party vendors, H3C must establish its value chain and provide direct customer support outside China.
• People Practices: H3C fosters a highly innovative workforce, encouraging employees to adopt a "Navigator" mindset that emphasizes continuous learning, innovation, and customer-centricity. This cultural approach reinforces the company's commitment to shaping the digital future.

H3C's journey illustrates the importance of aligning technological innovation with strategic market expansion. For companies seeking to compete globally, having a clear value proposition and direct engagement with customers is vital.

Hangzhou Qulian Technology Co., Ltd.: Revolutionizing Data Management with Blockchain

Our final company visit was to Hangzhou Qulian Technology, a leading blockchain technology provider in China. Qulian specializes in developing enterprise-level blockchain platforms for industries such as finance, supply chain, and smart cities.

Key Takeaways:

• Blockchain Solutions: Qulian's blockchain platforms enable secure, decentralized data management, improving transparency, efficiency, and trust in various digital ecosystems. Their innovative use cases in finance and supply chain management highlight the transformative potential of blockchain technology.
• Challenges: Despite the promise of blockchain, Qulian faces challenges related to scalability, performance, and regulatory uncertainties. Overcoming industry skepticism and educating stakeholders about the benefits of blockchain are essential for widespread adoption.
• Government Alignment: The company's close relationship with the Chinese government facilitates navigating complex regulatory landscapes. However, it also raises questions about how such an approach might translate to other regions like Singapore.

This visit reaffirmed blockchain's potential to revolutionize various industries. However, for companies like Qulian, the journey toward global adoption will require careful navigation of regulatory environments, technological challenges, and market perceptions.

Final Reflections

The study trip to Hangzhou provided an in-depth understanding of how Chinese companies are driving innovation and tackling the challenges of digital transformation. Geely, DAS-Security, H3C Technologies, and Qulian Technology each represent different facets of this transformation—from mobility and cybersecurity to digital infrastructure and blockchain.

A common thread across these companies is their emphasis on in-house technology development, strategic partnerships, and the need to adapt to changing market dynamics. These insights highlight that in a rapidly evolving business landscape, agility, technological innovation, and customer-centric strategies are key to success.

The experiences and learning points from this trip will undoubtedly influence my perspective on digital transformation and how companies can strategically position themselves in a competitive global market.

探索大腦學習秘訣

"嘿，大家好，歡迎返嚟我嘅頻道！今次，我哋會探討一個好有趣又好重要嘅話題——我哋嘅大腦點樣學習嘢。我哋會深入研究斯塔尼斯拉斯·德哈內嗰本書《我們如何學習：為什麼大腦比任何機器都學得更好……目前為止》嘅見解。如果你對高效學習有興趣，想揭開背後嘅神經科學，咁就繼續睇落去，呢條影片就係為你準備嘅！

首先，講吓注意力。可以將注意力睇成學習嘅閘門。我哋嘅大腦需要專注喺特定嘅信息上，同時過濾啲干擾。斯塔尼斯拉斯·德哈內指出，我哋喺完全投入到某項任務或者主題時，學嘢會特別好。

咁，我哋應該喺教育環境中點樣用呢個道理呢？例如，動態節奏和多感官參與呢啲技巧，可以大大提升注意力。對於教育者嚟講，關鍵係要開發啲策略，能夠抓住並維持學生嘅注意力。學習應該係充滿活力同吸引人嘅！

第二個要素係積極參與。學習唔係純粹被動咁吸收信息，而係要積極參與其中。德哈內強調咗以問題為基礎嘅學習、動手活動同互動討論嘅力量。

不如想像一下，一個學生唔再只係信息嘅接受者，而係積極參與者，不斷探索、質疑和發現。咁樣嘅學習方式，可以激發佢哋對知識嘅好奇心，同深入理解所學到嘅材料。

接住，就係錯誤反饋。學習嘅一個重要部分係接受錯誤。德哈內強調咗建設性反饋循環嘅重要性。錯誤應該被視為成長嘅機會，而唔係失敗。

創造一個錯誤唔再被恐懼，而係被欣然接受成為掌握知識嘅墊腳石嘅學習環境，可以培養韌性同對學習嘅積極態度。

最後一個要素係鞏固——將短期成果轉變為長期知識嘅過程。根據德哈內嘅說法，呢個過程係包括反复練習同睡眠喺強化同抽象學習信息中嘅關鍵作用。

持續嘅練習，加上充足嘅休息，確保學習成為我哋認知工具箱嘅一部分。呢個提醒咗我哋，有時休息同努力工作同樣重要。

所以，通過將呢四個學習支柱——注意力、積極參與、錯誤反饋同鞏固——融入我哋嘅教育實踐中，我哋可以改變我哋教導同學習方式。德哈內嘅見解提供咗一個強有力嘅藍圖，使我哋嘅教學方法同大腦嘅自然傾向對齊。

讓我哋憧憬一個充滿活力嘅教室，錯誤被慶祝，注意力被巧妙引導，同尊重睡眠作為學習過程一部分嘅教育系統。呢個唔係一個夢想，而係一個可以實現嘅現實。一起嚟創造一個最佳學習嘅環境。

多謝大家今日收睇！如果你覺得呢條影片有幫助，唔好忘記點贊、訂閱同打開通知鈴鐺，了解更多有關學習科學嘅見解。下次見！"

中國數位轉型與創新見解

在我最近前往杭州的學習之旅中，我有機會參訪多家中國知名企業，深入了解他們的創新實踐、策略挑戰以及中國快速發展的商業環境。旅程的第四天特別具有啟發性，讓我全面了解中國企業如何在各行業中推動數位轉型之旅。

吉利控股集團有限公司：引領未來移動出行

我們對吉利控股集團的參訪令人耳目一新，展示了一家傳統汽車製造商如何轉型為科技驅動的移動出行公司。吉利成立於1986年，於1998年進入汽車行業，並自此發展為擁有多元品牌組合的全球化企業，包括吉利汽車、領克、極氪和沃爾沃汽車。他們對可持續技術、電動汽車（EV）和自動駕駛的重視，表明其朝著未來發展的重大轉變，其中汽車所有權可能下降，共享出行服務將成為趨勢。

主要收穫：

• 創新領導力：吉利在從燃油車向電動車、混合動力車和甲醇動力車型的轉型中處於領先地位。他們不僅適應市場趨勢，還在自動駕駛和內部芯片開發（如自主研發的StarEagle芯片）方面引領潮流。
• 人才與文化：公司通過建立大學來解決人才短缺問題，並積極參與企業社會責任（CSR）活動，例如「藍色守護計畫」，彰顯吉利對培育創新和社會影響力生態系統的承諾。
• 移動出行未來：吉利認為未來的汽車所有權將轉變為汽車共享服務。這一轉變不僅改變了其客戶群，從個人消費者轉向服務提供商，還需要採用不同的產品開發和行銷策略。

我對吉利模式的反思強調了適應能力和前瞻性在汽車行業中的重要性。隨著市場的發展，公司也必須調整策略以保持競爭力和相關性。

安恒信息技術股份有限公司：塑造網路安全的未來

接下來，我們參訪了中國領先的網路安全公司安恒信息技術（DAS-Security）。該公司提供包括雲安全、滲透測試以及AI驅動的安全運營等多種解決方案，並在中國政府網路安全市場中佔有重要份額，凸顯了網路安全在數位時代的重要性。

主要收穫：

• AI驅動安全：DAS利用人工智慧減少警報噪音、簡化威脅檢測並實現智能決策。他們基於AI的「衡腦安全大模型」在識別弱特徵攻擊方面表現出色，彰顯其技術實力。
• 市場挑戰：儘管在國內取得成功，DAS在國際擴展方面面臨顯著困難。合規性、市場認知以及與美國知名網路安全供應商的競爭是其全球化的主要障礙。
• 定制化解決方案：DAS強調通過深入客戶參與來定制解決方案，尤其針對中國的政府和企業客戶，這一策略在需求差異顯著的市場中至關重要。

此參訪揭示了全球網路安全的複雜性。像DAS這樣的公司在擴展國際業務時，必須應對多樣化的法規環境並克服市場對數據隱私和中國產品質量的懷疑。

新華三技術有限公司：推動數位轉型

新華三技術展示了其在數位解決方案與基礎設施領域的全球領導地位。原為華為與3Com的合資公司，新華三已成為人工智慧解決方案、數位基礎設施和智能技術的關鍵角色。他們的「AI萬物」戰略突顯了人工智慧在其產品中的核心角色。

主要收穫：

• AI驅動解決方案：新華三將人工智慧整合到其產品的各個方面，從使用機器人和高清閉路電視進行實時監控的智能工廠解決方案到配備AI技術的智慧課堂。他們對AI驅動數位基礎設施的專注表明人工智慧正成為數位轉型的基石。
• 品牌意識：在新加坡等市場建立品牌知名度是一項重大挑戰。為了在全球擴展中不依賴第三方供應商，新華三必須建立自己的價值鏈，並在中國以外提供直接客戶支持。
• 人才實踐：新華三鼓勵員工採用「導航員」心態，強調持續學習、創新和以客戶為中心。這種文化方法加強了公司對塑造數位未來的承諾。

新華三的發展歷程說明了將技術創新與市場擴展戰略對齊的重要性。對於尋求全球競爭的公司而言，擁有清晰的價值主張並與客戶直接互動至關重要。

杭州趣鏈科技有限公司：利用區塊鏈重塑數據管理

我們的最後一站是杭州趣鏈科技，一家中國領先的區塊鏈技術供應商。趣鏈專注於為金融、供應鏈和智慧城市等行業開發企業級區塊鏈平台。

主要收穫：

• 區塊鏈解決方案：趣鏈的區塊鏈平台實現了安全、分散的數據管理，提升了各數位生態系統的透明度、效率和信任。他們在金融和供應鏈管理中的創新應用突顯了區塊鏈技術的變革潛力。
• 挑戰：儘管區塊鏈的潛力巨大，趣鏈仍面臨與擴展性、性能以及法規不確定性相關的挑戰。克服行業的懷疑並教育利益相關者有助於區塊鏈的廣泛採用。
• 政府合作：公司與中國政府的緊密合作有助於應對複雜的法規環境。然而，這種方式在其他地區（如新加坡）是否有效尚待觀察。

此訪問再次證實了區塊鏈在改變多個行業方面的潛力。然而，像趣鏈這樣的公司要實現全球採用，還需要謹慎應對法規環境、技術挑戰以及市場認知問題。

最後反思

杭州的學習之旅深入探討了中國企業如何推動創新並應對數位轉型的挑戰。吉利、安恒、新華三和趣鏈分別代表了這一轉型的不同面向——從移動出行和網路安全到數位基礎設施和區塊鏈。

這些公司的共同特點是強調內部技術開發、策略性合作夥伴關係，以及適應不斷變化的市場動態的必要性。這些見解表明，在快速變化的商業環境中，靈活性、技術創新和以客戶為中心的策略是成功的關鍵。

從這次旅行中獲得的經驗與學習點，無疑會影響我對數位轉型的觀點，以及公司如何在競爭激烈的全球市場中戰略性地定位自己。

Reflection on Study Trip to Hangzhou

The recent study trip to Hangzhou provided an invaluable opportunity to explore innovative practices in technology and retail. It was fascinating to witness the thriving ecosystem of tech companies and their efforts in digital transformation, risk management, and e-commerce. Two companies stood out during this trip: Tongdun Holdings and Yowant (Yaowang). Each company showcased its unique approach to integrating cutting-edge technologies into their business models, highlighting key lessons in risk management, customer engagement, and leveraging digital platforms for growth.

Exploring Tongdun Holdings: A Leader in Risk Control and Decision-Making Solutions

Tongdun Holdings impressed us with its use of big data and AI in providing intelligent risk control and decision-making solutions. Founded in 2013, Tongdun has grown to serve over 10,000 customers worldwide, specializing in areas like fraud detection, credit risk assessment, and anti-money laundering. One of my key takeaways was how the company blends advanced technology with a startup mentality, constantly pushing for innovation with a sense of urgency.

One notable aspect of Tongdun’s approach is its credit scoring models. These models use data points such as loan history, payment behavior, and even social credit to assess individual creditworthiness. Moreover, their risk scoring models incorporate user behavior, device characteristics, and geolocation data to detect and prevent fraud in real-time. The company’s ability to adapt its solutions for various markets, taking into account geopolitical and economic factors, was particularly insightful.

The emphasis on people practices stood out as a critical factor in their success. Despite challenges in hiring talent that combines technical expertise, language proficiency, and cultural fit, Tongdun invests heavily in internal talent development. Their commitment to agile methodology and bi-weekly iterations enables rapid deployment and improvement of solutions, especially in their SaaS and API-based products. This adaptability is crucial in an industry where fraudsters are constantly evolving, and staying ahead is key to maintaining a competitive edge.

From the visit, a key learning point was the difference in business culture between B2B and B2C companies. B2B businesses, like Tongdun, require relationships with government officials and banking clients, whereas B2C companies can be more casual and iterate faster. Embracing change and reorganizing structures based on business demands are key to their leadership style.

Yowant: Blending Online and Offline Commerce

The visit to Yowant (Yaowang) was equally enlightening, providing a glimpse into the future of retail. As a global leader in social e-commerce, Yowant connects international brands with influential KOLs (Key Opinion Leaders) and celebrities to drive engagement and sales. The company’s innovative business model revolves around a live streaming ecosystem, allowing brands and influencers to promote products 24/7.

One of the most intriguing aspects of Yowant’s model is its ability to merge the online and offline retail experience. The Yowant X27 Theme Park in Hangzhou is a unique 24/7 consumer complex that allows influencers to livestream, while visitors can explore various brands in a beautifully decorated setting. This integration of "digital-reality" experiences creates a win-win situation for both the brands and the influencers. During our visit, we observed how influencers could select products they wish to promote in their livestreams, offering a level of flexibility and creative autonomy that traditional retail models cannot match.

However, it was also evident that this model comes with its challenges. Despite the innovative approach, the physical mall suffered from low foot traffic, primarily due to its remote location. This highlights the delicate balance between the online shopping trend and the in-person experience, especially in a market where consumers primarily make purchases online but seek experiences during their offline visits.

My key takeaway from this visit is that Yowant's model represents the future of retail, combining online streaming with offline experiences. While it may not be directly applicable to markets like Singapore due to space constraints, it has the potential to disrupt traditional retail businesses. For example, live streaming furniture assembly could revolutionize businesses like IKEA, merging the convenience of online shopping with the immersive in-person experience.

Key Learnings from the Trip

Reflecting on this study trip, several key lessons stood out:

1. Embrace Change: Both companies demonstrated the importance of embracing changes in technology and market dynamics. Tongdun constantly innovates to stay ahead of fraudsters, while Yowant adapts to the latest trends in e-commerce and influencer marketing.

2. Focus on Talent: Tongdun's struggle to find talent that combines technical skills, cultural fit, and international language proficiency underscores the global challenge of building high-performing teams in tech-driven industries.

3. Customer-Centric Approaches: A customer-first mindset was evident in both companies. Tongdun's real-time risk detection solutions and Yowant's flexible live streaming environment cater to evolving customer needs, demonstrating the importance of agility in today's market.

4. Blending Online and Offline Experiences: Yowant's innovative approach to blending online live streaming with offline experiences offers a glimpse into the future of retail, where creating engaging experiences for consumers is just as crucial as the products themselves.

Overall, the Hangzhou study trip was an eye-opening experience, providing insights into the intersection of technology, commerce, and customer engagement. It reinforced the notion that innovation, adaptability, and a focus on customer needs are essential for thriving in the fast-paced digital economy.

課本冇講嘅人生技能：情商、自我認知同韌性

嗨，大家好！歡迎上嚟我哋嘅頻道。今日我哋要深入探討一個好多人成日諗嘅話題——啲學校冇教我哋嘅嘢。我哋都好熟悉平日學校裏面學數學、科學同埋歷史嗰啲科目，雖然呢啲嘢好重要，但佢哋唔一定可以幫我哋應付現實生活嘅複雜性。不過唔使擔心，我哋喺度幫你填補呢個空隙！

最近我發現咗一本好正嘅書，叫《学校没教的事》（What They Forgot to Teach You at School），係由The School of Life出版嘅。呢本書就係教我哋點樣喺呢個經常令人手忙腳亂嘅世界裏面實現個人滿足同埋幸福嘅一份寶貴資源。依家等我哋逐步了解下。

首先係情商！試下諗下，如果情商同閱讀同寫作一樣喺學校咁受重視，咁會唔會改變我哋嘅一生呢？

（畫面切換到一個人管理情緒、建立健康關係、輕鬆應對生活挑戰嘅動畫）

情商係關於有效管理我哋嘅情緒同理解我哋嘅心理需求。呢本書教我哋點樣用成熟嘅態度去應對生活中嘅起落。諗下，如果你知道你可以應付生活中嘅任何挑戰，咁會令你有幾安心啊！情商唔只係一個花巧嘅術語，而係個人同職業成功嘅關鍵技能。

跟住，我哋講下實用技能。學校可能教咗我哋代數，但佢哋有冇教過我哋點樣報稅或者做職業決策呢？

呢本書提供咗管理財務、應付職場挑戰同埋處理日常壓力嘅課程，呢啲壓力有時真係令人不堪重負。呢啲都係必不可少嘅工具，佢哋使我哋可以優雅咁處理生活中嘅實際問題。

依家，講吓自我認識。了解我哋自己——我哋嘅價值觀、優勢同埋弱點——會帶我哋走向一條更加真誠嘅生活之旅。

通過認識真實嘅自己，我哋可以做出同我哋核心價值觀相符嘅決策。呢個會帶來更加大嘅滿足感同埋幸福感。了解自己唔只係自我改進，更加係關於真誠同有意義地過生活。

最後，呢本書探討咗韌性。生活充滿咗失敗、挫折同情感創傷，但我哋對呢啲挑戰嘅反應決定咗我哋前進嘅道路。

韌性係指每次跌倒後可以更加堅強咁站起來。佢培養咗內心嘅力量，讓我哋可以以積極嘅態度去應對生活嘅考驗。

總而言之，《学校没教的事》結合咗傳統學術教育同埋實用智慧。佢唔單止準備我哋去成功，仲讓我哋茁壯成長，畀我哋必要嘅工具去過上一個平衡而有意義嘅生活。

所以，等我哋一起將呢啲課程融入我哋嘅生活。優先考慮情商、實用技能、自我認知同埋韌性。呢啲係支持我哋追求充實同幸福生活嘅支柱。

多謝大家收睇！如果你覺得呢條片對你有幫助，請俾個like、訂閱我哋嘅頻道，仲有記得撳個鐘仔去接收更多呢啲內容。喺下面留言話俾我哋聽你嘅諗法。你希望喺學校學到啲乜嘢？等我哋開始對話啦！下次見，保重同繼續成長啦。

杭州學習之旅的反思

近期的杭州學習之旅提供了一個探索科技和零售創新實踐的寶貴機會。能夠見證科技公司蓬勃發展的生態系統，以及它們在數字化轉型、風險管理和電子商務方面的努力，令人深感興奮。本次旅程中，兩家公司尤為引人注目：同盾科技和耀網（Yaowang）。每家公司都展示了其將尖端技術融入業務模式的獨特方式，並強調了在風險管理、客戶參與以及利用數字平台促進增長方面的關鍵經驗。

探索同盾科技：風險控制與決策解決方案的領導者

同盾科技憑藉其在風險控制與決策解決方案中的大數據和人工智慧應用給我們留下了深刻印象。成立於2013年的同盾，已經成長為服務超過一萬家全球客戶的企業，專注於欺詐檢測、信用風險評估和反洗錢等領域。我的主要收穫之一是該公司如何將先進技術與初創企業心態相結合，在緊迫感中不斷推動創新。

同盾的信用評分模型尤其值得關注。這些模型通過貸款歷史、支付行為甚至社會信用等數據點來評估個人信用。此外，他們的風險評分模型結合用戶行為、設備特徵和地理位置數據來實時檢測和防止欺詐。同盾根據不同市場的地緣政治和經濟因素調整解決方案的能力，尤其具有啟發性。

人員管理的重視成為其成功的關鍵因素之一。儘管在招聘兼具技術專業能力、語言能力和文化契合度的人才方面面臨挑戰，同盾對內部人才發展進行了大量投資。他們對敏捷開發方法論的承諾和每兩週一次的迭代，使得SaaS和API產品的解決方案能夠快速部署和改進。在欺詐者不斷進化的行業中，這種適應能力對於保持競爭優勢至關重要。

本次訪問的一個重要學習點是B2B和B2C公司之間的商業文化差異。B2B企業，如同盾，與政府官員和銀行客戶的關係非常重要，而B2C公司可以更加隨意並且迭代更快。根據業務需求接受變化並重新組織結構是其領導風格的關鍵。

耀網：融合線上與線下的商業

參觀耀網（Yaowang）同樣令人耳目一新，提供了一個了解零售未來的窗口。作為社交電商的全球領導者，耀網將國際品牌與KOL（關鍵意見領袖）和名人連接起來，以促進參與和銷售。該公司的創新業務模式圍繞著直播生態系統，讓品牌和影響者能夠24/7地推廣產品。

耀網模式的一個引人注目的方面是其將線上與線下零售體驗融合的能力。位於杭州的耀網X27主題公園是一個獨特的24/7消費者綜合體，允許影響者進行直播，同時訪客可以在美麗裝飾的環境中探索各種品牌。這種"數字-現實"的融合體驗為品牌和影響者創造了雙贏的局面。在訪問期間，我們觀察到影響者可以選擇他們希望在直播中推廣的產品，提供了一種靈活性和創意自主性，這是傳統零售模式所無法匹敵的。

然而，也顯而易見的是，這種模式也伴隨著挑戰。儘管其創新方法，該實體商場的客流量因偏遠地理位置而相對較低。這說明了在線購物趨勢與親身體驗之間的微妙平衡，尤其是在消費者主要在線購物，但同時尋求線下訪問時的體驗市場中。

我的主要收穫是耀網的模式代表了零售的未來，結合了在線直播和線下體驗。雖然由於空間限制，這種模式可能不直接適用於如新加坡這樣的市場，但它有潛力顛覆傳統零售業。例如，直播組裝家具可以革新像IKEA這樣的業務，融合在線購物的便利性與沉浸式的親身體驗。

學習旅程中的關鍵收穫

回顧這次學習之旅，有幾個關鍵教訓脫穎而出：

1. 接受變化：兩家公司都展現了接受技術和市場動態變化的重要性。同盾不斷創新以領先於欺詐者，而耀網適應電子商務和影響者營銷中的最新趨勢。

2. 專注於人才：同盾在尋找兼具技術技能、文化契合度和國際語言能力的人才方面的挑戰凸顯了在科技驅動行業中建立高效團隊的全球挑戰。

3. 以客戶為中心的方式：在兩家公司中都能看到以客戶為主的思維模式。同盾的實時風險檢測解決方案和耀網靈活的直播環境迎合了不斷變化的客戶需求，表明了在當今市場中保持敏捷的重要性。

4. 融合線上與線下體驗：耀網結合線上直播和線下體驗的創新方法，讓人窺見了零售的未來。在為消費者創造吸引人的體驗和提供產品本身同樣重要的背景下，該方法提供了有價值的參考。

總的來說，杭州學習之旅是一個令人耳目一新的經歷，提供了有關科技、商業和客戶參與交集的見解。它加強了創新、適應能力和以客戶需求為中心的關注對於在快節奏數字經濟中蓬勃發展的重要性。

生成式 AI 革命

Hello大家，歡迎返嚟我哋嘅頻道！今日我哋要講一個好勁又好興奮嘅話題——一個可能會重新定義點樣將最先進嘅AI解決方案整合到我哋嘅產品同服務中嘅突破性資源。我講緊嘅係Chris Fregly、Antje Barth同埋Shelbee Eigenbrode合著嘅《在AWS上生成式人工智能》呢本書。

呢本唔係簡單嘅科技書，佢係一本必讀指南，點樣利用AWS提供嘅強大基礎設施嚟整合生成式AI。咁而家我哋呀，深入睇落去啦！

生成式AI係人工智能中嘅前沿技術。佢可以用最少嘅人類輸入生成文本、圖像、音樂甚至代碼，真係好啟發人。但我哋點樣將呢種革命性嘅潛力轉化為我哋公司內嘅實際應用呢？

呢本書嘅亮點就係度啦。佢涵蓋咗生成式AI項目嘅成個生命周期，真係一個無價嘅資源。

首先，“用例定義”。呢個對於確保我哋唔係盲目跟風，而係實際識別生成式AI喺我哋公司獨特場景中嘅價值應用至關重要。

呢本書提供咗清晰嘅策略，點樣識別出生成式AI可以加大價值嘅地方，從一開始就打好成功基礎。

講完用例，跟住我哋講“模型選擇和微調”。你會喺書中搵到選擇合適嘅生成式AI模型同技術進行微調嘅詳細指南。無論係參數效率微調（PEFT）、低秩適應（LoRA）定係量化LoRA（QLoRA），呢本書會俾你所有優化模型嘅知識。

當你揀好靚模型，就到“部署同優化”啦。高效嘅部署對性能同成本管理極之重要。

呢本書介紹咗AWS Inferentia呢啲專用硬件，亦提供咗高效擴展模型嘅寶貴策略。

喺部署之後，**魔法就喺“集成與應用”出現啦。想像下，用檢索增強生成（RAG）創建有上下文識別嘅推理系統，或者開發先進嘅多模態應用程式。

呢本書對CTO、ML實踐者、應用程式開發人員、業務分析師、數據工程師、數據科學家特別有價值。佢彌補咗理論知識同實踐應用之間嘅差距，提供咗利用AWS滿足你生成式AI需求嘅路線圖。

總之，《在AWS上生成式人工智能》唔係簡單嘅書，佢係一個創新同轉型嘅工具包。佢提供深見、實踐指導同實操練習，將生成式AI帶入我哋公司嘅構造中。

多謝你哋嘅收睇！如果你覺得呢條片對你有幫助，唔好唔記得點個贊、分享同埋訂閱呀。一定要睇下《在AWS上生成式人工智能》——佢可能就係你一直喺搵緊嘅變革契機。

未來工作趨勢與商機大揭密

大家好啊！多謝晒你哋今日嘅收睇。我哋今次會深入探討一個大家都好關注嘅迷人話題——未來嘅工作同埋商機。我哋會攞靈感自坂口孝則嘅書《未来的賺錢方式 - 20年內最熱門的工作趨勢與跨界商機》入面嘅重要見解。咁，我哋開始啦！

首先，講吓啲預計會爆炸性增長嘅行業：人工智慧（AI）、機械人技術同創意經濟。好興奮呀係咪？AI同機械人技術現在喺創新最前線，預計會以驚人方式改革我哋嘅生活。諗諗吓啲智能系統點提升效率同埋先進機械人揹起啲複雜任務嘅情況啦！

但呢啲唔淨係關乎效率。隨住更多例行工作自動化，對創意同埋情感智商嘅需求就會上升——呢啲都係機械做唔到嘅嘢。呢個轉變突顯咗人類創造力同同理心嘅價值。咁所以，如果你有創意思維嘅才華，依家正係你大放異彩嘅時間！”

跟住，我哋傾吓蓬勃發展嘅自我提升產業！隨住個人發展同心理健康嘅關注度不斷增加，對教育平台、健康計劃同生活指導服務嘅需求都會上升。依家啲人比以前更加積極提升自己嘅技能、健康同生活方式。投資呢個行業可能正係你嘅黃金機會。”

講到黃金機會，不如唔好忽略‘寵物經濟’。係呀，你冇聽錯！寵物而家真係成為我哋家庭嘅重要成員，優質嘅寵物食品、先進嘅獸醫服務同埋寵物娛樂市場都好興旺。呢個趨勢反映咗我哋對安慰、陪伴同感情滿足嘅需求。”

另外一個充滿機會嘅領域就係媒體產業。我哋消費內容嘅方式一直喺變，由數碼創新推動。大家對引人入勝、易於獲取嘅媒體內容需求不斷增加。如果你係創意專業人士或者精通技術嘅企業家，依家係進軍呢個領域嘅最佳時機。”

淨係唔好忘記，隨住全球人口老齡化，針對老年人嘅服務會變得非常重要。無論係創新嘅健康方案、輔助生活技術或者個性化照護，呢啲進步都會確保老年人嘅生活質素，並且為有前瞻思維嘅企業家打開新商業前景。”

“呢啲對我哋意味著咩呢？就係我哋要保持信息靈通，磨練技能，並準備好應對新嘅機會。未來充滿希望，但需要我哋主動去迎接。通過擁抱變革同創新，我哋唔淨係可以確保財務成功，仲可以對社會作出積極貢獻。”

總括嚟講，未來充滿機會，就等我哋去把握。記住呢啲見解，將我哋嘅努力同呢啲趨勢對齊，自信邁向更加光明嘅未來。多謝晒你哋今日嘅收睇，唔好忘記點個讚、分享同訂閱，攞取更多關於未來工作同商機嘅見解！

設計思維如何改變世界

今日我哋會深入探討一本成日改變全球組織創新同解決問題嘅精彩書。我講緊嘅係提姆·布朗寫嘅《設計改變世界：設計思維如何改變組織並激發創新》。

呢本書嘅核心係設計思維嘅魔力——一種以人為本嘅方法，強調同理心、創意同埋反覆改良。咁我哋即刻講吓5個改變我哋應對複雜業務挑戰嘅關鍵原則。

第一，係以人為本嘅方法。呢原則係要深入了解我哋設計對象嘅需求。我哋將同理心放喺核心位置，確保我哋嘅解決方案有意義同相關。試想像吓，站喺顧客、員工同利益相關者嘅鞋度行路——目的係搵出隱藏嘅見解嚟創造真正觸動心靈嘅解決方案。

第二係反覆改良嘅過程。創新唔係一蹴而就嘅。佢係不斷嘅創意、原型設計同測試嘅循環。呢種反覆改良嘅過程，容許我哋根據現實世界嘅反饋嚟進行調整同改善，創造一個持續增長嘅環境。

第三，我哋要講吓協作同跨學科團隊。創新喺唔同觀點交織嘅時候先可以蓬勃發展。設計思維主張打破隔閡，促進跨學科嘅團隊合作。多元化專業知識嘅交匯點解鎖創意潛能，從而導致更完備嘅解決方案。

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最後，係轉型影響。設計思維唔單止用喺產品開發上；佢可以革命性咁改變整個組織。從醫療保健到全球品牌，呢本書向我哋展示咗設計思維如何取得突破性嘅成果。

新版《設計改變世界》附有新案例研究同升級材料，提供咗對設計思維不斷演變世界嘅新見解。任何想要應對複雜性、促進創造力同推動有意義改變嘅組織必讀。

簡單講，設計思維畀咗我哋一個應對當今挑戰同機遇嘅強大框架。佢俾我哋焦點唔單止係解決問題，仲係創造價值同影響。咁我哋一齊採取以人為本嘅心態，擁抱反覆改良，鼓勵協作，大膽試驗。一起，我哋可以激發創新，帶領我哋走向更加光明嘅未來。

對於想深入了解呢種變革方法嘅人，我強烈推薦你哋去IDEO同HarperAcademic睇吓提姆·布朗嘅書。

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