信也科技：AI在信贷领域的角色由“预测”向“决策”迈进

Core Insights - The credit industry is transitioning from "human-machine collaboration" to "human-machine integration," with AI evolving from a predictive role to a decision-making role, becoming a crucial force in the systemic restructuring of the industry [2] Group 1: AI in Credit Services - AI applications are making credit services more intelligent and inclusive, participating in decision-making rather than merely assessing risk [2] - AI's influence permeates every aspect of credit operations, redefining the operational logic of the entire industry [2] - Generative AI enhances customer acquisition by providing real-time insights into behavioral data, enabling institutions to identify potential customers more accurately [2] Group 2: Risk Management and Customer Service - AI models continuously self-learn and dynamically adjust scoring systems, making risk assessment more scientific and efficient [2] - Advanced algorithms like graph neural networks can identify complex fraud chains, allowing for early detection of potential risks [2] - Generative AI improves customer service by offering natural and immediate conversational experiences through semantic understanding and contextual awareness [2] Group 3: International Expansion and Financial Performance - The integration of large and small AI models is seen as a key direction for the next phase, combining the understanding capabilities of large models with the precision of small models in specific scenarios [3] - As of Q2 2025, the company has provided credit technology services to 8.7 million users through its overseas fintech platforms, with a cumulative transaction volume of 33.5 billion yuan [3] - International business accounted for 22.3% of the group's total revenue in Q2 2025, indicating a robust growth strategy in emerging markets like Indonesia, the Philippines, and Pakistan [3]