Core Viewpoint - Qifu Technology (NASDAQ: QFIN; HKEX: 3660) reported a stable financial performance in Q1 2025, with total net revenue reaching RMB 4.69 billion (approximately USD 646 million), reflecting a 4.5% quarter-on-quarter growth, and a non-GAAP net profit of RMB 1.93 billion (approximately USD 265 million), despite a slight decline in net profit compared to the previous quarter, aligning with market expectations [1][2] Financial Performance - In Q1 2025, Qifu Technology achieved total revenue of RMB 46.9 billion and a non-GAAP net profit of RMB 19.3 billion [2] - The company successfully issued USD 690 million in convertible notes, providing ample financial support for strategic initiatives and enhancing shareholder returns [2] AI Strategy Implementation - Qifu Technology actively advanced its "AI + Finance" strategy, launching an AI-driven credit decision engine and asset distribution platform that connected with 163 financial institutions, serving over 58 million credit users [1] - The AI credit agent was officially implemented in Q1 2025, integrating various intelligent modules across the business chain, marking a significant step in AI application within the financial technology sector [2] AI Decision-Making Capabilities - The AI decision-making module utilizes classic analytical models to diagnose issues like profit stagnation, significantly improving decision-making efficiency by reducing analysis time from weeks to real-time responses [3] - The AI marketing module enhanced customer acquisition, achieving a 33% year-on-year increase in the conversion rate from new credit users to new loan users [3] Compliance and Risk Management - The AI compliance module improved efficiency by reducing the time required for regulatory document interpretation from 40 hours to 2 hours, with accuracy rising from 68% to 99.2% [4] - Qifu Technology's risk control innovations enhanced precision and efficiency, achieving over 95% accuracy in user characteristic consistency checks [5] Strategic Partnerships and Market Position - In Q1 2025, Qifu Technology's subsidiary signed contracts with three mid-to-large city commercial banks, with a 144% year-on-year increase in business scale driven by financial technology [6] - The company established strategic partnerships with multiple banks to implement AI-driven solutions in key areas such as marketing, risk control, and decision analysis, reinforcing its leading position in the financial technology sector [6]