Core Viewpoint - Ant Group's Sesame Credit has launched a solution for restoring operational profiles of small and medium-sized enterprises (SMEs), covering 50 million SMEs nationwide, aimed at improving the efficiency of financial institutions and large online platforms in identifying and serving quality merchants [1][2]. Group 1: Solution Overview - The solution targets industries such as e-commerce, local services, and chains, facilitating better connections between SMEs and large institutions [1]. - It enhances the potential customer reach rate to 50% and doubles the conversion rate from potential customers to paying members for a leading B2B platform [1][3]. - The solution serves over 60 million SMEs and approximately 125 million individual businesses in China, addressing the challenges of transparency and efficiency in linking large institutions with SMEs [1]. Group 2: Data and Technology - The operational profile solution utilizes an API to provide real-time evaluation metrics, integrating various data types including business registration, judicial information, and online sales performance [2]. - The underlying data covers 50 million SMEs and is updated hourly, improving the timeliness and predictive value of assessments [2]. - It integrates online and offline data across multiple industries, creating a comprehensive evaluation index that goes beyond traditional credit scoring [2]. Group 3: Application in Banking - In the banking sector, the solution allows banks to gain a clearer understanding of a business's overall operational strength, potentially leading to higher credit limits and lower interest rates [3]. - A B2B platform previously struggled with a low effective reach rate of under 30% and a conversion rate below 0.5%, but after implementing the solution, the reach rate improved to 50% and the conversion rate exceeded 1% [3]. Group 4: Additional Services - Sesame Credit also offers innovative services for SMEs, such as the Sesame Strength Mark, which has been claimed by over 8 million enterprises, enhancing their visibility in recruitment, e-commerce, and bidding platforms [4]. - The Sesame Enterprise Assistant leverages AI to provide SMEs with tailored bidding information and strategies, acting as an AI bidding manager for these businesses [4].

Core Insights - The introduction of "Zhima Enterprise Assistant," an AI employee for small and medium-sized enterprises (SMEs), aims to enhance the efficiency of bidding processes by providing timely and relevant bidding information and strategies [2][3][4]. Group 1: AI Functionality and Benefits - The AI assistant offers personalized bidding information by monitoring and analyzing data based on the enterprise's industry, region, and product characteristics, significantly improving the speed and accuracy of information retrieval [3][4]. - It provides in-depth analysis reports comparable to those of experienced bidding managers, including project details, competitor analysis, and pricing strategies, which traditional bidding software lacks [4][5]. - Users have reported a potential increase in efficiency of up to 50% in preparing bidding documents due to the assistant's capabilities [6]. Group 2: Market Context and Opportunities - With over 60 million SMEs in China, only about 500,000 have participated in bidding, indicating a significant opportunity for the AI assistant to help more SMEs engage in this area [3]. - The assistant's ability to provide deep analysis and strategic recommendations can help SMEs that previously avoided bidding due to resource constraints to participate more actively [6][8]. - The integration of additional features, such as "AI Enterprise Query," allows users to conduct research without switching applications, further enhancing operational efficiency [6]. Group 3: Data Integrity and Evolution - The assistant leverages a proprietary database to ensure the accuracy of information, addressing common issues of misinformation associated with generic AI models [7]. - Continuous learning mechanisms are in place to adapt the assistant's capabilities based on user feedback, enhancing its analytical performance over time [7]. Group 4: Supporting Financial Solutions - SMEs can showcase their strengths through "Zhima Enterprise Strength Mark" and "Bidding Credit Reports," which can improve their chances of winning bids [8]. - Successful bidders can access financing options like "Winning Bid Loans" from online banks, providing additional support for post-bid operations [8].