QFIN(US:QFIN) Xin Hua Cai Jing·2025-06-18 09:13Core Insights - The rapid iteration of artificial intelligence (AI) technology is significantly impacting the financial industry, with AI being a key topic at the 2025 Lujiazui Forum [2] - Qifu Technology, a financial technology company based in Shanghai, is focusing on AI to assist banks in their intelligent transformation, contributing to the development of Shanghai as an international financial center [2] - The CEO of Qifu Technology, Wu Haisheng, stated that the "AI + finance" sector is still in the investment phase but has already shown improvements in marginal efficiency, particularly in credit assessment and risk control for small and micro enterprises [2] Company Insights - Qifu Technology is developing a "super intelligent credit agent" that aims to enhance financial service processes and improve efficiency and quality [2] - The intelligent agent incorporates multi-step planning, memory, and reflection mechanisms, allowing for autonomous interaction in real scenarios and continuous learning [2] - The company has a research and development team of over 1,000 people, with hundreds focused on the integration of AI technology and finance, and has filed 961 patents and holds over 80 copyrights [3] Industry Insights - The financial industry faces challenges with unstructured data and fraud, making the implementation of reasoning technologies in credit risk control complex [3] - Shanghai is positioned as a global financial center and AI hub, providing multi-dimensional support for financial technology companies, including policies, technology, capital, and internationalization [3] - The industry is at a critical point of transformation, where intelligent agents could redefine financial services by autonomously completing demand analysis, strategy formulation, and effect evaluation [3]