The process of applying for an auto loan often involves preparing a stack of paper documents, a time-consuming task where forgetting a single item means a repeat trip. Submitting an application leaves borrowers in the dark about approval and disbursement timelines, reliant on constant follow-ups with financial advisors. There's also the persistent worry about privacy when handing over personal documents to others. The various challenges in the automotive financial services journey now have a novel solution powered by AI. At the "2026 World Artificial Intelligence Conference" (WAIC 2026) opening in Shanghai today (July 17), the AI-driven fintech platform YIXIN (HKEX: 02858) officially launched China's first Automotive Finance AI Smart Kiosk. This product materializes a full-chain, one-stop AI intelligent solution into a tangible physical terminal. Guided by an intelligent digital human, consumers can independently apply for auto finance services, compressing a process that typically required over 90 minutes down to just 15-20 minutes, delivering a more efficient, secure, and compliant service experience.
From 90 Minutes to a Mere 15: AI Simplifies Self-Service Auto Finance
At the WAIC, YIXIN's AI Smart Kiosk, which completely颠覆s the traditional offline auto finance model, attracted significant attention from professional attendees. According to on-site staff, with全程 anthropomorphic guidance from the AI digital human, users can independently complete all business steps on the kiosk—including pre-approval, information collection, card binding for repayment, and contract signing—without relying on a human advisor. The全程 visual operational guidance significantly lowers the barrier to use. The process, which previously required manual对接 at each stage and took about 90 minutes, can now be compressed to 15-20 minutes, marking a substantial efficiency gain.
This高效 experience is underpinned by YIXIN's full-chain, self-developed, one-stop AI intelligent solution. Reportedly, YIXIN has been advancing the application of AI in risk control and business since 2018, and in recent years has comprehensively布局 large language models and agent technology, accelerating the deep integration of AI with business operations. Centered on its self-developed Agentic large model, its agent capabilities now comprehensively cover the entire business流程 including intelligent calling, pre-approval, risk control, customer service, asset management, and quality inspection, achieving large-scale deployment and realizing an agent-driven AI Native process. "After a user submits materials and selects a vehicle model on the kiosk, the Agentic large model automatically dispatches multiple agents to perform document analysis, driving license recognition, and vehicle assessment, generating a pre-approval result and feeding it back to the user. The entire流程 is autonomously coordinated and advanced by agents, completing end-to-end business流转 without human intervention."
As of the end of May 2026, the YIXIN AI platform has cumulatively been invoked over 125 million times. Currently, agents autonomously handle 65% of business delivery, with business conversion rates提升 over 20% and overall operational efficiency提升 more than 100%. Among these, YIXIN's industry-leading intelligent risk control system enables fully automated,高效 approval with an average审批 time of just 8 seconds, serving as the core guarantee for accelerating the entire流程.
From Manual Handling to Harness Safeguards: A Compliance Framework Fortifies Security
Lengthy processes, complex decision-making, user privacy concerns, and high safety and compliance requirements have long been pain points in the traditional auto finance industry. The advent of the AI Smart Kiosk represents significant upgrades not only in efficiency but also in service flexibility and security/compliance. The device supports 7×24 uninterrupted service. Users can scan a code to同步 the process to their mobile端, allowing them to view the full-chain progress of their application anytime,彻底 breaking the time and space constraints of traditional offline dealership services.
More importantly, the kiosk employs a terminal self-upload model. Users' sensitive document information never needs to be handled by a third-party person全程, eliminating the risk of information leakage at its source and truly integrating safety, transparency, and efficiency. Security and controllability are ensured not only in the front-end user experience but also in the后台 operation of the kiosk's AI solution, which同样 emphasizes high compliance. YIXIN's Chief Technology Officer Jia Zhifeng stated: "In the financial sector, ensuring the safety and compliance of large models is not 'icing on the cake' but a business底线 and necessity." By 2026, YIXIN has established its own Harness governance system. Under this self-developed Harness framework, agents and human staff can switch seamlessly in real-time within the same order flow. When the model exhibits "hallucinations" or makes non-compliant promises, the system can trigger circuit-breaking and governance strategies at the millisecond level and switch to a manual链路, ensuring business operates compliantly. "AI applications in the vertical financial industry require both Agentic large models to unleash efficiency动力 and a robust Harness governance system as a compliance safeguard. Both are indispensable."
From Pilot to Expansion: Digital Intelligence Achievements Empower Industry Upgrade
Currently, the YIXIN Automotive Finance AI Smart Kiosk has been deployed in some new energy vehicle dealerships in China, with显著落地成效. Initial operational data up to June 30 shows that after deployment, the overall business processing time leads industry standards by over 50%, the self-service completion rate exceeds 95%, and both service efficiency and user experience have improved simultaneously.
Feedback from frontline practitioners and car owners confirms the kiosk's落地 value. A sales manager surnamed Li at an automaker's dealership said: "Previously, when customers applied for installments, advisors had to accompany them全程 in-store, limiting daily接待 capacity. Now with the kiosk, most customers can operate and apply independently, significantly提升ing processing efficiency." Car owner Mr. Chen shared: "Operating everything myself without handing my documents to others feels much more reassuring. And it's available anytime; I completed the installment procedures and picked up my car on the same day."
It is reported that YIXIN will accelerate the promotion of the Automotive Finance AI Smart Kiosk, gradually渗透 into diverse scenarios such as 4S stores, used car markets, and county-level outlets, breaking down service barriers in下沉 markets. In the future, the AI Smart Kiosk will also serve as a core hardware terminal for YIXIN AI, made available to financial institutions within the "Xin Che Tong" ecosystem to foster共同发展 across the industry. Furthermore, YIXIN will continue to advance its global布局, exporting automotive finance technology innovations, including the kiosk, to overseas markets, empowering the global auto finance industry's digital and intelligent升级 with Chinese technology.
"In the fintech field, AI capabilities are mostly 'hidden' in the后台, invisible and intangible to users, making it difficult to直观感知 the practical value brought by technology," stated Jia Zhifeng. The launch of the Automotive Finance AI Smart Kiosk "externalizes" the mature full-stack AI solution from the后台 into an immediate service that users can直观体验, marking a标志性 node for YIXIN's AI applications transitioning from "backend empowerment" to "frontend innovation." "The AI Smart Kiosk allows YIXIN's originally后台-hidden Agentic AI capabilities to首次 reach the user前台 in the form of a physical terminal, enabling AI to progress from 'usable' to 'visible, tangible, and trustworthy,' truly realizing technology's普惠 to the大众."
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