Yiren Digital CFO Highlights Company's AI Transformation and Next-Generation Fintech Strategy

Core Insights - Yiren Digital is focusing on AI transformation to enhance its fintech services, with key innovations including the Zhiyu LLM and the Magicube platform [1][5]. Group 1: AI Development and Strategy - The company has built a strong foundation for AI development, leveraging in-house talent, high-performance computing, and extensive proprietary datasets from millions of consumers across Asia [2]. - The Zhiyu LLM has shown strong performance in multi-language understanding and context analytics, improving operational efficiency and decision accuracy in risk screening, compliance workflows, customer service, and client onboarding [3]. - The Magicube platform coordinates multiple AI agents to autonomously handle complex business functions, allowing for dynamic decision-making and real-time performance monitoring [4]. Group 2: Business Impact and Future Goals - The integration of AI is expected to reshape the competitive landscape of financial services, enhancing efficiency and resilience while laying the groundwork for AI-native business models beyond traditional lending [5]. - Yiren Digital aims to build intelligent, scalable systems that will drive long-term value and expand into new financial service verticals and industry use cases [4][5].