以用户为中心的经营策略让奇富科技成为更多用户的选择，截止二季度，通过AI驱动的信贷决策引擎 及资产分发平台，奇富连接165家金融机构，为超过6000万授信用户提供数字化信贷服务，撮合放款量 达846亿元人民币，同比增长约16%，成为提振消费、扶持小微经营的助推力之一。 2025年8月15日，奇富科技（NASDAQ: QFIN; HKEX：3660）发布2025年第二季度未经审计财务报告。 奇富科技持续强化"AI+金融"战略，加大AI领域投入，AI在场景中的深度渗透全面激发业务活力，极大 地提升了用户体验，并高效赋能银行。 同时，以AI驱动信贷价值链升级，向银行体系化输出技术能力为业务核心的奇富数科（奇富科技子公 司），二季度实现业务规模150%的同比增长。 AI智能体驱动风控突破，全面赋能业务 6月举办的陆家嘴论坛及中国国际金融展上，奇富科技展示了一系列智能体产品，涵盖风控、获客、运 营、合规等方面，凭借扎实的技术功底与贴合业务场景的创新，赢得了行业内外的广泛关注。 其中，风控领域的突破代表着AI真正应用于核心业务场景，重构金融科技基建能力。在风险判断基础 能力上，智能算法通过7×24小时不间断的自我学习与参 ...

奇富科技首席算法科学家费浩峻日前在接受记者采访时表示，金融AI的核心竞争力植根于数据资产、 真实场景与金融科技基因三者的深度融合，以及由此产生的协同效应。 （文章来源：新华财经） 从当前的技术研究与行业实践来看，费浩峻认为表示AI智能体的落地更多集中在成熟场景，客服领域 便是典型例子。过去，客服多以人工助手的角色存在，如今通过多个智能体的协同，已能完成大多数工 作。 费浩峻透露，公司最近新上岗了两个模型研发智能体，可实现"7×24"小时不间断工作，极大提升了工作 效率。仅一个月，核心业务场景的模型性能就有了将近1%的提升。且它们能持续自主工作，显著释放 了人力成本。 对于未来的发展，费浩峻提出了两个重要方向：一是打造端到端的决策风险智能体，希望其逐步替代现 有的风险决策逻辑，实现从数据输入到风险判断、决策输出的全流程自动化；二是开发经营与风险辅助 决策智能体，尽管目前让它完全独立承担经营决策还存在难度，但期望通过持续迭代，使其未来能成长 为可独立开展工作的 "决策人员"。 费浩峻认为，从现在开始，随着技术的不断成熟，大约两年后，AI智能体可能会更多以"数字人"的形式 出现。"到那时，大家或许不会再提'智能体' ...

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]