Core Insights - Yirendai has successfully navigated the rapid development of the fintech industry over the past decade, leveraging AI technology to enhance its business operations and maintain growth momentum [2][3] - The company aims to optimize existing business processes through AI, while also exploring opportunities to provide AI-enabled solutions to other industries [2][3] Business Strategy - Yirendai's strategy focuses on AI applications, enhancing internal efficiency and external technology output [5][6] - The company has established a comprehensive AI application framework, including risk control, customer service, marketing, and enterprise management [12][13] AI Technology and Applications - Yirendai has developed its own "Zhiyu" large model and various intelligent agents to address specific business pain points, ensuring compliance and operational efficiency [12][13] - The company has implemented AI solutions that significantly improve customer response times and operational efficiency, such as a 98.66% customer call pickup rate and a reduction in fund management time from a week to just 10 minutes [13][14] Talent and Data Resources - Yirendai has cultivated a diverse talent pool, combining expertise in technology, data analysis, and business operations, which supports its AI product development [17][18] - The company has accumulated a vast amount of data, which is essential for training AI models and enhancing business operations [16][18] Future Outlook - Yirendai is positioned to expand its AI capabilities beyond the financial sector, aiming to empower various industries through its technology and experience [21][22] - The company plans to deepen its AI integration in risk prevention and personnel training while fostering partnerships for AI application development [19][21]