AI Technology
Qfin strategically invests in artificial intelligence within the fintech sector, focusing on breakthroughs in credit AI agents, AI applications, and financial security. By leveraging AI to intelligently redesign business processes, the company continuously unlocks the full potential of technology empowerment.
1. Credit AI Agent
Leveraging years of fintech expertise in vertical applications, Qfin has developed a credit AI agent deeply embedded across the entire business chain. It encompasses over 100 core intelligent modules spanning data analysis, operations, compliance, risk strategy, financial reconciliation,significantly boosting end-to-end operational efficiency.
AI Marketing Module
Targets customer segments through strategic mapping, analyzes needs via profiling, and reduces document resubmissions through pre-screening, thereby improving marketing effectiveness.
AI Approval Module
Standardizes credit approval criteria, shortens processing time, and enhances risk detection, ensuring high-quality and efficient credit approvals.
AI Decisioning Module
Leverages classic analytical models to diagnose business issues and generate real-time optimization solutions.
AI Compliance Module
Applies knowledge graphs and algorithmic models to shift compliance from reactive correction to proactive prevention.
· 2,000+ regulatory policies tracked in real-time · 300+ risk assessment models powered by deep learning · 50+ proprietary compliance algorithms
End-to-End Core Risk Control Module
Facilitates modular, multi-agent collaboration—including anti-fraud, pricing benchmarks, base credit limit, and credit approval decisions—to deliver precise risk assessment and efficient credit decisions. This balances explainability, efficiency, and decision quality to identify more creditworthy customers and offer superior credit solutions.
2. AI Applications
Qfin leads the deep integration of large language models in fintech, embedding advanced technologies into core business scenarios such as customer service, software development, and credit assessment. This empowers simultaneous improvements in user experience and operational efficiency, driving the overall advancement of the industry.
Jarvis
By embedding financial expert models, Jarvis integrates professional industry knowledge, extensive domain experience, and large language model technology across three core expert systems (requirements, coding, and testing), establishing an intelligent financial technology framework throughout the entire R&D lifecycle.
· 20% improvement in delivery efficiency under the same R&D investment · Requirement deployment cycle shortened from 14 days to 6 days
XiaoQi
Utilizing fully automated, zero-human-intervention workflows and multi-round intelligent interactions, XiaoQi enables users to complete operations like credit limit increases and repayments via voice commands with millisecond-level responses, significantly enhancing service efficiency and user experience.
· 300% increase in service efficiency · Fully automated, zero-human-intervention · Millisecond-level response time
Qfin Copilot
By precisely targeting business scenarios and analyzing billions of historical call records, Qfin Copilot extracts effective communication strategies and intent-matching dialogue templates, enabling agents to quickly and accurately capture user intents.
· 1.2% improvement in business processing accuracy all service centers · 50% boost in management efficiency · 98.8% accuracy in intent recognition
ChatBI
Built on a multi-agent architecture, ChatBI enables collaborative task decomposition and tool invocation, serving as an intelligent analysis and decision-support system tailored to financial scenarios.
SME Graph
Focused on precisely assessing the operational capabilities of small and micro businesses, this system incorporates relationship graphs, product graphs, and eventic graphs, autonomously decides and retrieves as needed over 81.3% of product chains and 73.1% of logic chains within the knowledge graph to deliver customized end-to-end service solutions.
Xiao'Ao
Through AI-powered online assistance, automated monitoring, and real-time analysis, Xiao’ao embeds intelligent security capabilities throughout the entire business chain, reducing human errors, optimizing process safety risks, and achieving intelligent risk mitigation, thereby comprehensively enhancing operational security efficiency.
3. Financial Security
Qfin has built a comprehensive, end-to-end information security management system that deeply covers data security, network security, and business security—empowering the secure, compliant, and sustainable growth of digital financial services.
Holographic Data Security Platform
Nova Cloud
Shield Platform
Shanhai Security Intelligence System
Zero Trust Network Security System
Real-Time
Anti-Fraud
Technology
Industry Standards for Financial
Security
Holographic Data Security Platform
An intelligent protection system covering the entire data lifecycle within financial enterprises. It enables enterprise-level data security management through data security governance, holographic real-time traceability, and multidimensional data control. Unified policy enforcement and visualized operations support secure and efficient data usage across the organization.
Nova Cloud Shield Platform
Provides real-time monitoring and dynamic control of corporate data throughout its lifecycle. The system's intelligent analysis and risk early-warning mechanisms trigger immediate alerts upon detecting abnormal data usage,ensuring the security and compliance of data assets.
Shanhai Security Intelligence System
Acquires real-time threat intelligence, establishes anti-fraud mechanisms, and manages public sentiment. It supports risk screening, early warning, detection, analysis, decision-making, and response. As of the end of 2024, the system collected approximately 13.84 million pieces of phishing URL intelligence, issued 21.4 million anti-fraud warnings for the Jietiao Safety Center, and prevented losses of approximately RMB 259 million.
Zero Trust Network Security System
Utilizes ACL automation and real-time access risk detection to ensure network security with a fully managed, zero-friction access experience. This system is expected to improve operational efficiency by approximately 30%.
Real-Time Anti-Fraud Technology
Leverages deep learning and adaptive image processing to build a high-precision multi-modal OCR system capable of extracting complex visual data with over 95% accuracy in specific scenarios. By the end of 2024：138,000 AI-driven fraud alerts issued;119,000 fraud-related attempts blocked；over 29,000 potential victims protected；RMB 280 million losses mitigated.
Industry Standards for Financial Security
Qfin has contributed to the formulation of multiple industry standards, including Guidelines for Financial Data Security Governance, Technical Specifications for Financial Data Protection, and Emergency Response and Handling Guide for Financial Data Security.