Core Insights - The core competitive advantage of Qifu Technology in financial AI lies in the deep integration of data assets, real-world scenarios, and its fintech DNA, creating a synergistic effect [1][3] - Since launching its financial large model strategy in 2023, Qifu Technology has shifted its service model from providing technical solutions to banks to delivering AI "productivity" [2] Data and User Base - Qifu Technology has accumulated over 100 million user financial data over nine years, forming a significant professional barrier that is difficult to replicate [1] - The business scale of Qifu Technology's subsidiary, Qifu Shuke, empowered by fintech solutions, surged approximately 144% year-on-year by March 2025 [3] AI Applications and Efficiency - Qifu Technology has developed the industry's first intelligent agent that empowers core credit business, consisting of various modules such as end-to-end credit decision-making and AI compliance assistants [2] - The efficiency leap is evident as intelligent agents have evolved from auxiliary roles to independent "digital employees," significantly enhancing the AUC of core scenario models by 1% [2] Cognitive and Perceptual Enhancements - Multi-modal intelligent agents have rapidly improved user understanding, driving key model AUC up by nearly one point, while image-enhanced intelligent agents have optimized over 70% of core user labels [2] Production Model Evolution - The end-to-end risk decision-making intelligent agent is taking shape, integrating over 700 models and more than 7,000 strategy modules, gradually becoming a strong supplement to traditional risk control systems [2][3] Strategic Collaborations - Qifu Technology's AI + finance strategic collaborations with multiple banks are accelerating the implementation of its solutions [3]