Core Viewpoint - China Post Consumer Finance is leveraging technology to create a more inclusive financial future, as demonstrated by the launch of the upgraded "China Post Wallet APP 3.0" [1][3] Group 1: Product and Service Innovations - The upgraded China Post Wallet APP 3.0 features a revamped user interface, streamlined loan processes reduced to three steps, and simplified financial terminology to enhance user experience and lower barriers to use [3] - New features such as YO+ credit score and "Credit Compass" utilize multi-dimensional data modeling to provide personalized financial services, helping users identify hidden risks and support their credit growth [3][4] - The company has developed over a hundred application systems with a self-research ratio exceeding 90%, and has filed 146 invention patents, of which 101 have been authorized [4] Group 2: Technological Advancements - The company has introduced AI technologies, including the large model "Youyuanjian" and virtual digital assistant "Youxiaobao," to enhance customer service, risk assessment, and marketing operations [4] - The implementation of cloud computing, microservices, big data, and AI has enabled the company to build agile business iteration capabilities and establish four core competencies: intelligent customer acquisition, refined risk management, systematic asset preservation, and smart customer service [4] Group 3: Strategic Vision - The chairman emphasized the company's commitment to providing high-quality and convenient financial services in alignment with national policy directives since its establishment in 2015 [3] - The focus on technological innovation is seen as a key driver for high-quality development in the financial industry, with ongoing efforts to deepen the application of intelligent technologies [4]

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]