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 ...

Company Dynamics - On June 12, China Post Consumer Finance Co., Ltd. held the "Beautiful Life, Start with You" event to launch the upgraded version 3.0 of the China Post Wallet APP, showcasing significant achievements in digital transformation within the consumer finance sector [2] - The chairman of China Post Consumer Finance emphasized the company's commitment to providing quality and convenient financial services since its establishment in 2015, aligning with national policy directions [2] APP Upgrade Features - The upgrade of the China Post Wallet APP 3.0 focuses on five key areas: interactive experience, service functionality, AI applications, brand trust, and Harmony ecosystem experience, optimizing 20 core functions [3] - The user interface has been redesigned for easier access to financial services, and the loan process has been simplified to three steps, making financial terms more understandable [3] - New features include "YO+ Credit Score" and "Credit Compass," which utilize multi-dimensional data models for personalized financial service matching and risk identification [3] - AI technology has been integrated, introducing a financial digital assistant and voice search capabilities to enhance service responsiveness [3] - The company has launched the "Post Forest" carbon account, promoting green finance by allowing users to earn points through online actions and inviting friends to reduce carbon emissions [3] Risk Management - The company employs a self-developed digital risk management platform and big data models to identify risks through customer profiling and AI algorithms, ensuring the appropriateness of credit services [4] - A comprehensive fraud risk prevention system has been established to protect customer rights against individual and group fraud [4] - The company has developed over 100 application systems with a self-research ratio exceeding 90%, exploring technologies such as cloud computing, microservices, big data, and artificial intelligence [4] Ecosystem Cooperation - China Post Consumer Finance is advancing the "China Post Consumer Finance +" strategy by deepening collaborations with its parent company and various internet platforms to create a diverse ecosystem for comprehensive financial service solutions [5] - Insights from industry experts and academics during the event highlighted the critical role of credit data in the digital transformation of consumer finance [5] - The company aims to leverage technology to create an inclusive financial future, emphasizing the importance of user experience and robust risk management [5]