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.
与此同时，Model Y在2025年的销量比2024年减少了近5.5万辆。这意味着SUV这一品类的竞争尤其激烈，格局能在一年内快速发生变化，对汽车厂商而言，这是挑战中蕴藏的机会。
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