Core Viewpoint - The article emphasizes the importance of financial technology companies like Xiaoying Technology in promoting financial services that benefit the public, particularly small and micro enterprises, through innovative and compliant practices [2][5][10]. Group 1: Financial Technology and Social Value - Xiaoying Technology is committed to integrating financial services into everyday life, moving from traditional institutional services to more accessible options for the public [2][10]. - The company has partnered with over 90 licensed financial institutions, covering all 31 provinces and municipalities in China, with a loan balance of 58.403 billion yuan and facilitating loans of 35.149 billion yuan in the first quarter of 2025 [2][10]. Group 2: Support for Small and Micro Enterprises - Xiaoying Technology has developed a service system that covers the entire lifecycle of small and micro enterprises, addressing their urgent funding needs [5][7]. - From January 2020 to December 2024, Xiaoying Technology assisted over 8 million small business owners and individual entrepreneurs in resolving funding issues [7]. Group 3: Technological Empowerment - The company launched the WinAgent intelligent development platform in the first quarter of 2025, significantly reducing the time required for AI application development from weeks to hours [8]. - Xiaoying Technology is enhancing user service and consumer rights protection through the introduction of "AI digital humans" to provide more personalized and efficient services [8][9]. Group 4: Consumer Protection Initiatives - Xiaoying Technology has established a comprehensive consumer protection plan, integrating AI technology to create a 360-degree security system that safeguards user data and prevents fraud [9]. - The company actively engages in user education, reaching approximately one million people through initiatives like the "anti-fraud column" and creative educational content [9]. Group 5: Future Outlook - Xiaoying Technology aims to continue its growth with a focus on compliance and responsible service, leveraging AI technology to enhance financial services for small and micro enterprises and new citizens [10].

Core Insights - The article highlights the significant milestone of Shuhe Technology as it celebrates its tenth anniversary and rebrands from "SHUHE GROUP" to "SHUHE TECH," reflecting a strategic shift and commitment to excellence in the fintech sector [1] - Shuhe Technology aims to provide optimal financial services for everyone, leveraging digital intelligence as a key driver by integrating cutting-edge technology with credit services [1] Group 1: Technological Empowerment in Credit Services - In the financial credit sector, technological innovation is essential for enhancing service quality and efficiency, with Shuhe Technology incorporating AI and big data into its credit service processes [2] - The company utilizes big data to analyze vast user data, creating detailed user profiles and offering personalized credit product recommendations, significantly improving service accessibility and matching [2] - Shuhe Technology's intelligent risk control is a core competitive advantage, employing advanced AI algorithms to build models that assess credit status and risks in real-time, thus enhancing credit evaluation and reducing lending risks [2] Group 2: Efficient Credit Matching Platform - Shuhe Technology has developed an efficient and transparent credit matching platform that uses intelligent algorithms to match user needs with financial institutions, facilitating quick and effective allocation of credit funds [3] - This precise matching model enhances the efficiency of fund utilization for financial institutions while providing users with high-quality and convenient credit services, promoting financial inclusivity [3] Group 3: Innovation and Intellectual Property - The company places a strong emphasis on technology research and intellectual property protection, having filed over 370 patents and received 97 software copyrights and 73 invention patents [4] - These achievements underscore Shuhe Technology's innovation capabilities and its core competitiveness in the fintech industry, earning it various accolades such as "High-tech Enterprise" and "Shanghai Specialized and Innovative Enterprise" [4] - The accumulation of patents and industry honors enhances the company's brand image and fosters market trust, motivating further technological advancements [4] Group 4: Customer Service Evolution - Shuhe Technology's subsidiary, Haibei, has evolved its customer service model to prioritize user experience, transitioning from basic text and voice interactions to an AI-driven customer service 3.0 model [5][6] - The AI customer service system boasts a 98% speech recognition accuracy and can proactively address user inquiries while suggesting solutions, significantly improving service quality [6] Group 5: Future Vision - Looking ahead, Shuhe Technology is committed to leveraging core technologies to advance inclusive finance and aims to be a lifelong intelligent financial partner for users, providing high-quality and personalized financial services [7]