On April 2nd, the 2026 Financial AI Alliance Conference concluded successfully in Hangzhou. During the event, Qifu Technology officially joined the upgraded Alibaba Cloud Financial AI Alliance as a core technology partner. Leveraging its self-developed AI credit agent product system, Qifu Technology will collaborate deeply with Alibaba Cloud and over one hundred ecosystem partners to jointly explore the multi-billion-yuan financial AI agent market and assist the banking industry in accelerating its transition to an AI-native era. This conference signifies that the intelligent transformation of the financial industry has entered a new strategic phase driven by AI, moving beyond mere ecological collaboration. The Alibaba Cloud Financial AI Alliance has evolved through three major leaps over six years, transitioning comprehensively from "cloud-native" to "AI-native." As a key member of the alliance, Qifu Technology showcased its AI agent matrix covering the entire credit process, including marketing growth and credit risk control, positioning itself as a core technology enabler for banking intelligence transformation.
Peng Xinrong, Head of AI Products at Qifu Technology, explained that building upon two flagship products—AI Credit Officer and AI Loan Officer—the company is continuously advancing technological iterations. This has led to the development of two major multi-agent series focused on marketing growth and credit risk control, forming a comprehensive AI credit agent product matrix. Based on an Agent-native concept, the AI Credit Officer focuses on upgrading credit business approval and risk management processes and tools. It aims to create a next-generation, end-to-end super agent for credit approval and risk control with autonomous planning, intelligent scheduling, and continuous evolution capabilities. This system covers the entire credit risk management chain—pre-loan, in-loan, and post-loan—and establishes an integrated online-offline automated feedback and iteration mechanism. Through a combination of multiple agents, including AI Due Diligence Officer, AI Credit Officer, AI Anti-Fraud Specialist, AI Modeler, and AI Strategist, and leveraging both large and small AI models, the system achieves a comprehensive upgrade from "rule-driven linear execution" to "intelligence-driven dynamic optimization." It can also be seamlessly integrated with banks' existing credit and risk management platforms for rapid implementation and results.
Based on a performance-outcome-oriented philosophy, the AI Loan Officer focuses on enhancing credit business marketing and growth processes and tools. It establishes a coordinated model linking "frontline account managers + multi-level command centers at branches and business headquarters," creating a multi-level, multi-dimensional marketing and growth intelligent system series that covers the entire chain from "operation → customer segmentation → prospecting → conversion → performance." Through a multi-agent combination including AI Loan Officer, AI Supervisor, AI Operator, and AI Growth Officer, the system directly empowers account managers and operational teams to conduct full-chain marketing activities. It also provides management with transparent, attributable, and continuously optimizable business management tools, helping banks achieve a capability leap from "experience-driven" to "data-intelligence collaborative."
When discussing the implementation process for institutional clients, Peng Xinrong shared that Qifu Technology will collaborate with institutions to co-build large model post-training solutions, end-to-end evaluation systems, and digital twin experimental environments. This approach aims to help institutions develop continuously evolving AI-native capabilities locally, establish verifiable benchmark metrics, and ensure that technological capabilities are measurable, product value is verifiable, and business contributions are traceable, forming a complete value cycle. Currently, Qifu Technology's AI products are being implemented in several medium and large-sized banks. Following its alliance membership, the company will further integrate technology, scenario, and market resources to promote the upgrade of AI capabilities from standalone tools to systematic capabilities supporting bank credit operations. Looking ahead, Qifu Technology will continue to deepen its expertise in financial AI, leveraging the alliance ecosystem to provide banks with comprehensive, full-process AI implementation support. This effort aims to help financial institutions achieve systematic intelligent upgrades and jointly build a new foundation for high-quality industry development.
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