Core Viewpoint - The implementation of the new regulations on internet lending by commercial banks has prompted listed fintech companies to proactively adjust their business structures, leading to a mixed performance in their third-quarter results as they seek new growth points to cope with regulatory challenges [1][2][4]. Business Adjustments and Performance - Listed fintech companies have begun to shrink high-risk matching business scales and deepen AI applications in response to the new lending regulations [1][4]. - Qifu Technology reported a 20.36% year-on-year decline in net profit to 1.433 billion yuan, despite a 19.12% increase in revenue to 5.206 billion yuan [4]. - Xinye Technology achieved a 6.43% year-on-year revenue growth to 3.487 billion yuan and a 2.66% increase in net profit to 641 million yuan [5]. - Yirendai's total revenue grew by 5% to 1.555 billion yuan, while net profit decreased by 10.64% [6]. - Jianyin Technology saw a 39.64% increase in net profit to 377 million yuan [5]. - Lexin's net profit surged by 68.39% to 521 million yuan, benefiting from flexible business adjustments [5]. Impact of New Regulations - The new lending regulations are expected to have a more pronounced impact on the performance of listed fintech companies in the fourth quarter, with anticipated declines in earnings [2][7]. - Industry experts suggest that the regulations will concentrate resources among compliant leading institutions, while smaller firms face rising compliance costs and narrowing cooperation channels [2][7]. AI Application and Efficiency - Companies are increasingly leveraging AI in customer service, risk control, and automated approvals to enhance efficiency and reduce costs [9][10]. - Qifu Technology reported a significant increase in its AI-driven financial technology output, with a 218% quarter-on-quarter growth in its subsidiary's business [9]. - Lexin's self-developed AI model improved user demand recognition accuracy by over 20% [10]. - Yirendai's AI strategy has led to a substantial increase in transaction amounts and borrower service numbers [10][11]. Overseas Market Expansion - In response to stricter domestic regulations, fintech companies are intensifying their overseas market strategies to seek diversified revenue growth [13][14]. - Xinye Technology's international business revenue reached 25% of total revenue, with significant growth in loan balances in Indonesia and the Philippines [13][14]. - Yirendai is also expanding its overseas presence, with expectations of international revenue contributing 4% by 2025 and over 10% by 2026 [14][15].

Group 1 - The World Artificial Intelligence Conference (WAIC) was held in Shanghai, highlighting the challenges faced by over 1.1 million small and micro enterprises in China, including poor risk resistance and information asymmetry [1] - Qifu Technology showcased its self-developed financial AI platform Deepbank and four core AI assistants, emphasizing the importance of high-quality data and a dynamic financial knowledge graph for the evolution of its credit intelligence [1] - The AI Compliance Assistant significantly improves compliance efficiency, reducing the time to interpret regulatory documents from 40 hours to 2 hours and increasing policy adaptation accuracy from 68% to 99.2% [1] Group 2 - The financial AI industry faces challenges related to the limitations of large models, including difficulties in understanding and executing instructions in complex scenarios, leading to potential inaccuracies [2] - Qifu Technology has discussed the application of embodied intelligence in financial business scenarios but currently does not prioritize it, as finance primarily operates in a digital realm without the need for physical interaction [2]

Core Insights - The article emphasizes that Qifu Technology is becoming a key partner in the digital transformation of Chinese banks by integrating financial intelligence with business scenarios [1][7] - Qifu Technology's financial intelligence platform, Deepbank, and its various AI applications are designed to meet the real business needs of banks [2][7] Group 1: Financial Intelligence Development - Qifu Technology launched its self-developed financial intelligence platform Deepbank, which includes four core applications: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant [2][3] - The financial intelligence system is built on a heterogeneous large model platform and a multi-agent collaborative framework, enabling deep understanding of financial semantics and user behavior [2][4] Group 2: Comprehensive Credit Solutions - The upgraded "Qifu Credit Super Intelligent Agent" includes five modules that cover the entire credit business process, enhancing decision-making capabilities [3][6] - The "End-to-End Credit Decision" module utilizes over 700 models and more than 1 billion historical decision data points to accurately assess user risk [3][4] Group 3: Technological Empowerment - Qifu Technology employs four technological engines: data flywheel, multi-modal fusion, self-evolution, and multi-agent collaboration to enhance the intelligence of its financial agents [4][5] - The AI Approval Officer can automatically extract key information from user applications and provide instant recommendations, significantly improving efficiency [5][6] Group 4: Practical Applications and Collaborations - Qifu Technology has demonstrated the effectiveness of its financial intelligence through partnerships with banks, leading to improved customer acquisition and reduced compliance risks [6][7] - A strategic cooperation agreement was signed with Guangdong Huaxing Bank to explore deep applications of AI in credit business, showcasing a collaborative model for digital transformation in banking [6][7]

Group 1 - The event "Dual Empowerment: 2025 Guangzhou AI and Modern Finance Integration" was held in Guangzhou, focusing on the integration of AI and finance [1] - The former Deputy Governor of the People's Bank of China, Li Dongrong, emphasized that digital finance serves as a connector and booster for other financial sectors, driven by data elements and digital technology [1] - The CEO of Qifu Technology, Wu Haisheng, stated that the application of large models in finance is about to enter an explosive phase, enhancing AI penetration in the financial sector [1] Group 2 - Qifu Technology's President, Zhou Xuqiang, projected that the credit approval sector will undergo profound changes in the next 5 to 10 years, with deep integration of AI and financial operations [2] - Qifu has developed four financial AI agents: AI Marketing Assistant, AI Approval Officer, AI Decision Assistant, and AI Compliance Assistant, based on their proprietary heterogeneous model platform [2] - Qifu has partnered with multiple financial institutions, including Guangdong Huaxing Bank, to explore the application of AI agents in various business scenarios, focusing on marketing, risk control, decision analysis, and compliance [2]