Core Insights - The financial industry's digital transformation has evolved from simple tool replacement to a more complex cognitive upgrade, indicating a competitive race towards financial intelligence that will shape the next decade [1] - The company, immediately consumer finance, has developed the first financial large model "Tianjing" in the country, and has iterated to Tianjing 3.0, showcasing its ambition to transform from a traditional consumer finance provider to a technology innovation engine [3][4] - The consumer finance sector is facing unprecedented challenges as it shifts from incremental expansion to stock competition, with declining consumer demand and increasing competition from small banks and internet platforms [4][5] Industry Challenges - Consumer demand for credit is weakening, with a reported reduction of 262.4 billion yuan in short-term household loans in the first five months of 2025, and a 12% year-on-year decline in the total balance of 31 consumer finance companies, estimated at 1.1 trillion yuan [4] - The number of consumer finance companies has increased to 35 in 2024, an 8% year-on-year growth, intensifying market competition [4] - The average interest rate for consumer loans has decreased from 8.5% in 2023 to 7.2% in 2024, compressing profit margins across the industry [4] Company Performance - The company's revenue for 2024 was 15.149 billion yuan, a decline of 4.09%, while its asset scale shrank from 71.28 billion yuan to 65.56 billion yuan, marking an 8.03% decrease [7] - To maintain cash flow and profitability, the company has increased its collection efforts, with collection fees rising from 2.82 billion yuan in 2023 to 3.128 billion yuan in 2024 [7] Compliance and Reputation Issues - The company has faced a surge in complaints related to aggressive collection practices, with 9,547 complaints in the last 30 days, accounting for 17.38% of total complaints [6][7] - Regulatory scrutiny has intensified, with new regulations mandating strict compliance in areas such as loan interest rates and collection practices, increasing operational costs and compliance pressures [7][8] International Expansion - The company is exploring overseas expansion, particularly targeting the Mexican market, which is the third-largest financial inclusion market globally [9] - However, significant challenges exist, including cultural differences, regulatory compliance risks, and competitive pressures from local players [11][12]

提升服务智能化水平一直是金融机构的核心命题之一。作为业内率先发布零售金融大模型的 金融机构，马上消费的"天镜"已覆盖营销、客服、用户运营、企业智能等零售金融的八大领 域，全面服务了超2亿用户。 2023年8月，马上消费依托两亿用户数据，自主研发出全国首个金融领域大模型"天镜"，覆 盖了智能营销交互、数据决策支持、防伪安全等八大应用场景。去年11月底，马上消费在此 基础上升级迭代，推出"天镜"2.0，实现了在模型技术创新、具体应用等核心领域的突破性进 展，有效解决了零售金融常见的问题。 蒋宁表示，和"天镜"2.0相比， "天镜"3.0的核心突破在于开启了从个体智慧到群体智慧的系 统性跃迁 。与以往模型不同，它 不再仅依赖逻辑学习，而是深入挖掘企业中散落的隐性经 验 。 允中 发自 凹非寺 量子位 | 公众号 QbitAI 6月6日， 由中共重庆市委金融委员会办公室、重庆市商务委员会、重庆两江新区管理委员 会共同指导，由消费金融服务联盟、打击金融领域黑产联盟（AIF）联合主办，马上消费等 19家金融机构、重庆广播电视(总台)第1眼TV等协办的"2025消费金融生态大会"在重庆举 行。 作为金融大模型技术国际标准制 ...