中邮钱包APP3.0正式发布 让消费金融服务更轻、更简、更友好

Core Viewpoint - China Post Consumer Finance is leveraging technology to create a more inclusive financial future, as demonstrated by the launch of the upgraded "China Post Wallet APP 3.0" [1][3] Group 1: Product and Service Innovations - The upgraded China Post Wallet APP 3.0 features a revamped user interface, streamlined loan processes reduced to three steps, and simplified financial terminology to enhance user experience and lower barriers to use [3] - New features such as YO+ credit score and "Credit Compass" utilize multi-dimensional data modeling to provide personalized financial services, helping users identify hidden risks and support their credit growth [3][4] - The company has developed over a hundred application systems with a self-research ratio exceeding 90%, and has filed 146 invention patents, of which 101 have been authorized [4] Group 2: Technological Advancements - The company has introduced AI technologies, including the large model "Youyuanjian" and virtual digital assistant "Youxiaobao," to enhance customer service, risk assessment, and marketing operations [4] - The implementation of cloud computing, microservices, big data, and AI has enabled the company to build agile business iteration capabilities and establish four core competencies: intelligent customer acquisition, refined risk management, systematic asset preservation, and smart customer service [4] Group 3: Strategic Vision - The chairman emphasized the company's commitment to providing high-quality and convenient financial services in alignment with national policy directives since its establishment in 2015 [3] - The focus on technological innovation is seen as a key driver for high-quality development in the financial industry, with ongoing efforts to deepen the application of intelligent technologies [4]