Sou Hu Wang·2025-07-16 10:57Core Insights - The article emphasizes that Qifu Technology is becoming a key partner in the digital transformation of Chinese banks by integrating financial intelligence with business scenarios [1][7] - Qifu Technology's financial intelligence platform, Deepbank, and its various AI applications are designed to meet the real business needs of banks [2][7] Group 1: Financial Intelligence Development - Qifu Technology launched its self-developed financial intelligence platform Deepbank, which includes four core applications: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant [2][3] - The financial intelligence system is built on a heterogeneous large model platform and a multi-agent collaborative framework, enabling deep understanding of financial semantics and user behavior [2][4] Group 2: Comprehensive Credit Solutions - The upgraded "Qifu Credit Super Intelligent Agent" includes five modules that cover the entire credit business process, enhancing decision-making capabilities [3][6] - The "End-to-End Credit Decision" module utilizes over 700 models and more than 1 billion historical decision data points to accurately assess user risk [3][4] Group 3: Technological Empowerment - Qifu Technology employs four technological engines: data flywheel, multi-modal fusion, self-evolution, and multi-agent collaboration to enhance the intelligence of its financial agents [4][5] - The AI Approval Officer can automatically extract key information from user applications and provide instant recommendations, significantly improving efficiency [5][6] Group 4: Practical Applications and Collaborations - Qifu Technology has demonstrated the effectiveness of its financial intelligence through partnerships with banks, leading to improved customer acquisition and reduced compliance risks [6][7] - A strategic cooperation agreement was signed with Guangdong Huaxing Bank to explore deep applications of AI in credit business, showcasing a collaborative model for digital transformation in banking [6][7]