On May 27, Chinese fintech company Qifu Technology (Nasdaq: QFIN; HKEX: 3660) announced its unaudited financial results for the first quarter of 2026. The company consistently bases its operations on "user experience, stability, and high quality," strengthening technology with a focus on service enhancement. It has achieved goals of "better service, lighter assets, superior quality, and higher efficiency." As of the end of Q1 2026, Qifu Technology has cumulatively provided digital credit services to over 64.8 million approved users. Disbursements for the quarter reached 65 billion yuan, with further optimization in asset quality. Additionally, the AI-empowered fintech output business maintained rapid growth, with Qifu Shuke's Q1 2026 business increasing by approximately 700% year-over-year.
**Advancing AI Native Organization Upgrade for Higher-Quality Service to the Real Economy** Aligned with the clear guidance for compliance improvement, refined control, and high-quality development in the financial industry, the company leverages AI integration as a key driver. Vertically, it deepens its focus on inclusive financial services for micro and small enterprises (MSEs). Horizontally, it optimizes organizational upgrades and innovates R&D models to comprehensively enhance high-quality operational capabilities. Following the guidance of the "Notice on Doing a Good Job in MSE Financial Services for 2026," MSE finance is shifting from "scale-driven" to "quality and efficiency-driven." In response, the company utilizes its AI and big data capabilities to accurately reach and match the financing needs of business entities. In Q1, it cumulatively identified 16.35 million small and micro operators and 25.7 million potential MSEs, representing increases of 220,000 and 370,000 respectively from the previous period. The proportion of new MSE users rose to 29.3%, effectively expanding service coverage. Leveraging large model feature mining and multimodal data fusion capabilities, the risk control and conversion systems were continuously optimized. The drawdown approval rate in Q1 increased by 1.95 percentage points quarter-over-quarter, while the risk level decreased by 0.8 percentage points quarter-over-quarter. Simultaneously, the company utilizes intelligent algorithms to tailor suitable credit products and optimize term and pricing rules, solidly implementing inclusive financial services. Benchmarked against the high-quality development requirements of the fintech industry—building AI capabilities, ensuring technical compliance governance, and enabling human-machine collaboration—the company comprehensively upgraded to an AI Native organization in Q1. It transformed accumulated business experience and historical data into an intelligent knowledge base, empowering risk control, product, operations, and other business segments. This fundamentally enhances the business acumen, decision-making quality, and professional scope of personnel across departments, efficiently adapting to industry compliance requirements and complex business development needs. Taking R&D as an example, the company's delivery efficiency per R&D personnel increased by 65% in 2026, surpassing the industry average. The top 20% of engineers now use billions of tokens daily, with engineering maturity ranking among the top tier of domestic internet companies. Technologically, the company's self-developed multi-Agent framework has completed validation for controllable execution paths. The R&D model has upgraded from traditional Spec-Driven Development to Harness Engineering, centered on track-based and strategic constraints. Moving forward, quantifiable ROI will serve as the benchmark for deep engineering, continuously strengthening the overall technological moat.
**FocusPRO Accelerates Output, Fintech Business Achieves Multi-Dimensional Breakthroughs in Product, Technology, and Scale** In Q1, Qifu Technology continued to accelerate its fintech output business. Qifu Shuke facilitated loan disbursements of 9.95 billion yuan for partner banks, a year-over-year increase of approximately 700%. This rapid growth is attributed to the FocusPRO digital intelligence solution as the core, establishing an integrated technology output system encompassing intelligent products, industry standards, and ecosystem collaboration. In terms of product and commercial implementation, Qifu Shuke fully integrated AI capabilities into the FocusPRO digital intelligence solution, continuously improving operational efficiency and risk control accuracy. The company provided an AI Loan Officer product to a listed bank in East China, deploying it comprehensively across the bank's retail, MSE, and corporate business segments, thereby integrating AI capabilities into the bank's core business processes. Based on practical experience in real business scenarios, the company outputs AI evaluation standard capabilities to the industry. Building upon the original evaluation benchmark, it newly launched the video evaluation task FCMBench-Video-V1.0, upgrading credit AI from static identification to dynamic assessment. This benchmark can evaluate large models' video comprehension and dynamic risk control capabilities, providing a reference for financial institutions in selecting AI products. Regarding ecosystem collaboration, the company continues to expand financial AI industry synergy. Qifu Shuke officially joined the Alibaba Cloud Financial AI Alliance as a core technology partner. Subsequently, leveraging the FocusPRO product system, it will collaborate with Alibaba Cloud and ecosystem partners to support the intelligent upgrade of the banking industry.
**Serving Users with High Standards, Deepening Charitable Support, Diversely Practicing Social Responsibility** Qifu Technology adheres to creating social value and continuously elevates service standards through technology. Through regular service satisfaction skill training and iterative adaptation of product features to user needs, it maintains a user satisfaction rate consistently above 99% annually. While operating steadily, Qifu Technology continuously fulfills its corporate social responsibility, solidly implementing various inclusive public welfare projects. The company recently released its 2025 ESG report, detailing annual inclusive support and green finance achievements: it assisted financial institutions in disbursing 104.09 billion yuan in loans to MSEs and 10.11 billion yuan in the agriculture, rural areas, and farmer (three rural) sector, cumulatively serving 4.119 million users in this sector. Concurrently, it deepened its focus on the green finance track, cumulatively assisting financial institutions in disbursing 24.51 billion yuan to environmental protection enterprises and providing 37.05 billion yuan in loans to new energy vehicle owners, supporting low-carbon consumption and industrial green transformation. In philanthropy, beyond implementing various industrial support projects in Yunnan, Fujian, Qinghai, and other regions, the company is exploring ways to deepen charitable efforts by focusing on specific locations to profoundly promote rural industrial upgrades. Following last year's volcano livestream charity initiative in Ulanqab, Inner Mongolia, the company signed a public welfare support framework agreement with the People's Government of Chahar Right Rear Banner in the city, specifically supporting the construction of a cheese town R&D center, continuously aiding the quality development of local characteristic agriculture and animal husbandry. Furthermore, the company closely follows financial policy direction, placing greater emphasis on efficiently internalizing the latest compliance requirements throughout its entire operational process. In May 2026, the company如期 launched its annual Compliance Awareness Month活动,持续 integrating compliance concepts into the entire business process to solidify the foundation for standardized corporate operations.
In 2026, Qifu Technology will continue to closely follow national financial regulatory policies and industry high-quality development requirements, adhering to the baseline of compliant operations and the principles of prudent and steady management. The company will take AI native technology upgrade as its core driver, continuously deepening its focus on the inclusive MSE finance sector. Simultaneously, leveraging its mature fintech output capabilities, it will assist partner financial institutions in their intelligent transformation and upgrade, continuously empowering the financial industry towards high-quality, standardized, and sustainable development.
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