中邮消费金融董事长王晓敏表示，中邮消费金融自2015年成立以来，积极响应国家政策号召，在金融"五篇大 文章"的指引下，坚定不移地走在为客户提供优质、便捷金融服务的道路上。十年磨一剑，中邮钱包APP 3.0焕 新升级，在产品体系建设、用户体验提升与AI应用领域等多维度实现了创新突破，将为支持提振消费提供更好 的金融服务。 在金融与科技交汇处，中邮消费金融正以科技为笔，以普惠为墨，勾勒更具包容性的金融未来。6月12日，中 邮消费金融有限公司（以下简称"中邮消费金融"）成功举办"美好生活 邮你开启"——中邮钱包APP3.0暨数智化 生态发布会。 中邮钱包APP3.0优化了交互体验，首页布局焕然一新，金融服务快速直达，贷款流程精简至3步，金融术语通 俗易懂化，大幅提升操作体验，降低使用门槛。创新推出YO+信用分和"信用罗盘"，基于用户行为、信用资产 和履约记录等多维度数据建模和评分，实现用户个性化金融服务更精准匹配，帮助用户识别隐性风险，陪伴用 户信用成长。运用AI技术赋能，上线金融数字人智能顾问和语音搜索功能，提供更有温度的服务，实现智慧响 应，随时应答。 中邮消费金融科技发展部负责人朱威表示，科技金融作为"五篇大 ...

Core Viewpoint - The launch of the upgraded "Postal Wallet APP 3.0" by China Post Consumer Finance aims to enhance customer experience and support consumption through innovative financial services [1][3][4]. Group 1: Product Innovation - The Postal Wallet APP 3.0 has undergone a comprehensive upgrade focusing on five key areas: interactive experience, service functionality, AI-driven financial services, brand trust enhancement, and new experiences within the Harmony ecosystem [5]. - The app has optimized user interaction, simplifying the loan process to three steps and making financial terminology more accessible, significantly improving user experience and lowering barriers to use [8]. - New features include YO+ credit scoring and "Credit Compass," which utilize multi-dimensional data modeling to provide personalized financial services and help users identify hidden risks [8]. Group 2: Risk Management - The company emphasizes the importance of self-developed risk control systems as a core competitive advantage, utilizing a digital risk management platform and big data models to accurately identify customer risks [8][9]. - A comprehensive fraud risk prevention system has been established to protect customer rights against individual and group fraud [8]. Group 3: Technological Development - The company is committed to full-chain independent research and development, with over 90% of its systems self-developed, and has applied for 146 invention patents, of which 101 have been authorized [9][10]. - The integration of AI technologies has led to the development of tools like "Postal Vision" and virtual digital assistants, enhancing customer service and operational efficiency [9][10]. Group 4: Ecosystem Expansion - The company is focused on building a "Postal Consumer Finance+" ecosystem, collaborating with various partners to create a diverse and open ecosystem that offers comprehensive financial and lifestyle services [11]. - The collaboration with academic and industry leaders during the launch event provided valuable insights into the role of credit data and technology in the digital transformation of consumer finance [11]. Group 5: Future Vision - The company envisions a more inclusive financial future, leveraging technology to enhance user experience while ensuring robust risk management [12].