YIXIN (02858.HK) has announced a significant upgrade to its artificial intelligence strategy, transitioning from a model-centric approach to a comprehensive governance system named Harness. This strategic evolution was unveiled at the 2026 World Internet Conference Asia-Pacific Summit held in Hong Kong on April 13-14, marking the company's second consecutive year of participation.
As a leading automotive finance provider, YIXIN operates across more than 340 cities in China and has expanded into overseas markets including Singapore and Malaysia, serving over 15 million customers cumulatively. The company plans to open-source parts of its AI infrastructure within the year to promote scalable and secure AI adoption throughout the financial industry.
YIXIN has achieved full-scale implementation of its proprietary Agentic large language model across all business processes. Currently, autonomous agent delivery accounts for 65% of outcomes, contributing to a more than 20% increase in conversion rates and over 100% improvement in operational efficiency. The company holds the distinction of being the first automotive finance provider in China to receive generative AI model filing approval and the first contributor of AI open-source projects in the global automotive finance sector.
The newly launched Harness governance framework represents a fundamental shift from focusing solely on models to establishing a complete system architecture. This dual-driver framework combines Agentic foundation models with Harness AI infrastructure, enabling seamless real-time switching between AI agents and human operators within the same workflow. The system incorporates millisecond-level circuit breakers that automatically trigger when models generate hallucinations or non-compliant commitments, instantly routing processes to human agents.
Harness establishes comprehensive audit trails throughout the data pipeline, ensuring full transparency and traceability from data ingestion to model application while supporting low-cost system updates. Positioned as an essential foundation for secure large language model implementation in finance, the framework safeguards AI model performance in business scenarios and reinforces compliance defenses.
This strategic advancement signals YIXIN's transformation from an AI technology adopter to a core capability builder and contributor. The implementation of the Harness system is expected to significantly enhance YIXIN's comprehensive AI governance capabilities while promoting safer, more compliant, and efficient AI applications throughout the automotive finance vertical.
Demonstrating technological leadership and global vision at the summit, YIXIN will continue to advance innovation in automotive finance, refine the Harness governance system, and deepen AI integration across business scenarios. Leveraging Hong Kong as a strategic hub, the company plans to expand global ecosystem partnerships and strengthen its overseas market presence, providing sustained momentum for intelligent transformation across the global automotive finance industry.
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