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Ultimately, BofA is not predicting the overnight disappearance of the human insurance agent, nor is it suggesting that massive corporations like Coca-Cola will suddenly buy complex insurance policies from a chatbot. However, BofA warns that an agency business currently perceived as having 3% to 7% organic revenue growth could see that slip to 1% to 5% in the face of disruptive technology. BofA concludes that with 10% to 20% of current business potentially facing disintermediation, the industry’s premium valuations leave very little room for error.
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更有意思的是那些只属于它的细节。专属的 Lumia 专业拍摄 支持完整的 4100 万像素模式和超采样变焦；超敏感触控戴着手套也能操作；再加上实体两段式快门键，本身就已经很像一台相机。如果再装上官方拍照手柄，体验就彻底升级了——独立电池、标准 1/4 螺口、半按对焦、全按快门，还有实体变焦拨杆。握在手里的那一刻，它几乎就是一台小型数码相机。