Core Insights - QFIN Technology (奇富科技) continues to enhance its "AI + Finance" strategy, significantly increasing investments in AI, which has led to improved user experience and business vitality [1] - The company connected with 165 financial institutions, providing digital credit services to over 60 million users, facilitating loan amounts of 84.6 billion RMB, a year-on-year increase of approximately 16% [1] - QFIN Technology's subsidiary, QFIN Digital Technology (奇富数科), achieved a business scale growth of 150% year-on-year in the second quarter [1] AI-Driven Risk Management - QFIN Technology showcased a range of intelligent products at industry forums, focusing on risk control, customer acquisition, operations, and compliance, gaining significant attention [2] - The AI algorithms improved key performance indicators in risk assessment models, enhancing the precision of the risk control system [2] - The company developed a comprehensive risk assessment model that significantly increased the coverage and accuracy of its knowledge graph [3] Strategic Investments in AI - The company accelerated its strategic investments in AI, increasing the workforce for algorithm and intelligent agent development by over 80% compared to the previous year [4] - QFIN Technology's voice team achieved recognition at major conferences, establishing itself among the top tier of global voice technology research [4] - The subsidiary QFIN Digital Technology is focusing on creating intelligent products tailored for financial institutions, including AI-based roles such as AI Approval Officer and AI Compliance Officer [4][5] Product Development and Market Expansion - The FocusPRO digital inclusive credit solution is evolving into a more intelligent credit super agent, enhancing the capabilities of banking partners [6] - The company has established joint laboratories with multiple banks to test and deploy intelligent agent applications in critical areas like credit approval and risk management [6] - QFIN Technology's lending volume through fintech solutions saw a significant year-on-year growth of approximately 150% [7] Social Responsibility and Innovation - QFIN Technology is committed to social responsibility, focusing on financial security, ethical technology development, and public welfare initiatives [8] - The company launched innovative projects to support rural industries and employment, including a job service feature that aggregates real-time recruitment information [9] - The CEO emphasized the transformative role of AI in reshaping financial business models and the company's commitment to expanding its capabilities in financial services [9]

Core Insights - The 13th Internet Security Conference (ISC.AI 2025) in Beijing focuses on digital security and AI, with the theme "ALL IN AGENT" [1] - Qifu Technology showcases its Lumo AI compliance assistant, highlighting its potential in financial compliance [1][3] Group 1: Product Features - Lumo AI is designed as a compliance CTO for financial institutions, significantly reducing regulatory document interpretation time from an industry average of 40 hours to just 2 hours [1] - The accuracy of policy adaptation has increased from approximately 68% to 99.2%, and the efficiency of compliance gap identification and rectification suggestions has improved by 20 times [1] - The automation execution rate of the entire compliance process exceeds 85%, enhancing efficiency, quality, and risk control capabilities [1] Group 2: Technical Support and Certifications - Lumo AI includes a dynamic library of over 2000 financial regulations, integrates more than 300 risk assessment models, and utilizes over 50 financial-specific algorithms [2] - The company has achieved dual international and domestic certifications, including ISO/IEC 27001 and ISO 27701 for information security and privacy management [2] - Qifu Technology's products have passed various security certifications, establishing a benchmark for mobile financial application security [2] Group 3: Industry Impact - Qifu Technology's Lumo AI compliance assistant provides a practical path for financial institutions to navigate complex regulatory environments, promoting a more efficient and robust compliance landscape [3]