Qifu Technology (QFIN.US) participated in the opening ceremony of the 2026 Lujiazui Forum held in Shanghai from June 17 to 18.
The forum, themed "Financial Development and Cooperation under the Global Governance Initiative: New Vision, New Challenges and New Opportunities," focused on discussions around financial openness, technological innovation, and inclusive finance.
The company noted that the forum's two core themes—"Technological Innovation Empowering High-Quality Financial Development" and "Enhancing the Effectiveness and Precision of Inclusive Finance"—not only chart a course for industry innovation but also align with its own exploration and practices.
Qifu Technology expressed that the current era presents both opportunities and challenges, with opportunities outweighing the challenges.
On the challenge side, regulatory compliance requirements for the industry are continuously increasing.
The greater opportunity, however, lies in AI-driven infrastructure upgrades rapidly moving the financial sector from digitization and mobility into an AI-powered, intelligent era.
The company pointed out that AI capabilities have evolved from simple question-and-answer models to intelligent agent abilities that can help complete tasks, not just answer questions.
In its view, the transformation brought by AI extends far beyond productivity gains; it is set to fundamentally alter organizational operations and workflows, leading to profound changes in production relationships.
In this process, the value of data is being redefined.
In the AI era, data is transitioning from a business byproduct to a core asset.
Simultaneously, long-accumulated operational experience and risk control capabilities are being modeled and operationalized through AI.
The combination of data assets and capability models is becoming a new core competitive advantage for financial institutions.
This shift is particularly evident in the field of inclusive finance.
Qifu Technology highlighted that there are currently 25.7 million unregistered small and micro-business operators in China who are often difficult to identify within the traditional financial system.
The company's ability to "see" them stems from a decade of accumulated behavioral data, transaction characteristics, and operational footprints.
Precise identification enables precise risk control, which in turn enables precise pricing.
As risk identification capabilities continue to improve, more users can access financial services that match their actual risk profiles.
While deepening its domestic inclusive finance business, Qifu Technology is also actively expanding into overseas markets.
The current period represents a convergence of two major opportunities for fintech: AI integration and global expansion.
Chinese companies with AI capabilities possess significant competitive advantages in the global fintech market.
The company believes that translating technological advantages into financial services requires a deep understanding of each market's regulatory requirements, infrastructure, and user habits.
While market conditions vary, the common factor is that the capability and technological barriers built by Chinese companies today provide a distinct advantage, allowing them to surpass the performance of local incumbents in a relatively short time, leading to strong confidence in its global expansion prospects.
Qifu Technology stated it will continue to advance the deep integration of AI with financial services, balancing technological innovation with stable development, continuously improving the efficiency and precision of financial services, and contributing more to high-quality financial development and inclusive finance initiatives.
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