马上消费赵国庆：创新产品开拓场景，技术精准对接消费新需求

Group 1 - The consumption finance industry is facing new opportunities and challenges amid a backdrop of increased consumer spending and regulatory policies [2] - The industry is experiencing a "Matthew effect," where leading companies gain more advantages, prompting smaller institutions to seek ways to break through [2] - The focus is on balancing compliance operations with innovative development to unlock a new landscape in the consumption finance ecosystem [2] Group 2 - The chairman of the leading consumption finance company, Ma Shang Consumption, emphasizes the need for product innovation and technology to expand service scenarios and accurately identify user needs [3][4] - The company plans to increase AI investments to better identify user demands and enhance service precision, particularly in the context of building an international consumption finance center in Chongqing [3][4] - Ma Shang Consumption has a significant portion of its workforce in R&D, with nearly 3,000 out of 4,100 employees dedicated to technology [3] Group 3 - The current economic environment is leading to structural changes in consumer credit demand, with an increase in rigid demand and a decline in improvement demand due to changing consumption habits among high-income groups [4] - The company has applied for over 2,500 patents and established more than 100 standards, positioning itself as a leader in industry standards and institutional innovation [4] Group 4 - Ma Shang Consumption is addressing industry challenges such as high service costs and low data decision efficiency through digital intelligence [4][7] - The company is focusing on three main areas for technology investment: improving service efficiency, enhancing data decision-making capabilities, and building an open platform for various consumption scenarios [7] - The deployment of a retail finance large model has significantly improved customer service response times and risk identification accuracy [7][8] Group 5 - The company emphasizes the importance of multi-dimensional collaboration in building competitive advantages in digital intelligence, integrating strategy, talent, organization, management, and technology [8] - The AI platform developed by the company has lowered the barriers to using large models, allowing business personnel to independently access AI capabilities [8]