Here's how I made the switch.
Nine months after his last trade, Tom was on a Manhattan sidewalk when he heard, “Are you Thomas Covey Hardin?” and found himself upstairs at a Wendy’s with two agents and a flipped FBI badge. “We know about your four trades,” they told him, and even mentioned his baby nephew by name; his first thought was not heroic—it was, “Oh my God, my parents are gonna kill me,” followed quickly by fears of prison and losing his wife. Over the next seven years, he wore a wire, helped build dozens of insider‑trading cases, spiraled into shame and depression, and watched his thirties disappear while he tried and failed to start businesses with a Google‑searchable felony on his name. He says it was his wife who insisted on him taking small, concrete steps to normality and redemption — running 5Ks, volunteering at church, being a stay‑at‑home dad. And one night he realized he was finally sleeping again because, finally, “I was thinking less about myself.”
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基于实测数据，冻结交易和紧急挂失两项业务的“AI+人工”平均解决率仅为54%。其中，几乎所有银行的AI客服都能识别“紧急挂失”诉求，实测人员通过输入卡号或身份证号码验证成功后，即可转入人工客服处理。只有民生银行95568客服热线仍然停留在传统的“语音提示+按键菜单”系统阶段，无法通过自然语言对话进行操作。该行有关负责人此前曾公开表示，仅2025年上半年，该行就新增了78个AI智能体平台细分应用场景。
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