On November 2, the 2026 World Internet Conference Wuzhen Summit opened, and the concurrently held Light of the Internet Expo announced the results of the "New Light" series of recommendations. MYbank's small and micro inclusive finance AI agent "Bailing 2.0" won the New Shining Scene Award, making it the only bank to be included on the list.
It is reported that the "New Shining Scene" is positioned as a "model for industrial implementation," focusing on whether digital and intelligent technologies have achieved solid results in specific business operations and whether they possess value that can be implemented, replicated, and promoted.
As a technology bank without offline branches, MYbank has continuously innovated its services around the real needs of small and micro business operators since its founding. In recent years, small and micro financial services have been moving from solving the question of "whether services exist" to solving the question of "whether services are good." The needs of small and micro business operators are specific and change quickly, while professional capabilities such as credit, risk control, approval, and finance and taxation are scattered across different departments of a bank, making it difficult to coordinate promptly around a single customer. How to make these capabilities, which previously mainly served large enterprises, reach small and micro businesses in a personalized and scaled manner has become the direction of MYbank's ongoing exploration of an AI bank.
At this year's Bund Summit, MYbank launched its first small and micro inclusive finance AI agent, "Bailing 2.0," providing credit, bill, and finance and taxation services to 42 million small and micro users. Operators do not need to first figure out which product to apply for; they only need to say what they are operating and what problem they are encountering. Bailing will ask follow-up questions to clarify the real goal, invoke the bank's analysis, risk control, and processing capabilities, and work with the customer to form a plan. The processing time for complex needs has been shortened from 3 days to 10 minutes.
A restaurant owner only said, "I want to increase my limit." Bailing 2.0 did not directly submit a limit increase application, but instead asked follow-up questions to identify the new store location, overall investment, and own funds, reframing the "limit increase" as "raising funds to open a new store," and calculated a funding gap of about 400,000 yuan. After the customer confirmed, within 10 minutes, his available limit rose from 150,000 yuan to 400,000 yuan, which could be used in installments according to the store opening progress. Service is no longer about selecting standard products from a shelf, but about forming solutions on the spot through real interaction. A single sentence from a customer mobilizes the capabilities of the entire bank.
MYbank has already implemented eight major AI workbenches, refining risk analysis from "customer groups" to "customers," and distilling the experience of senior approval experts into AI capabilities. During the typhoon disaster in July this year, a request from an affected grower for a deferred repayment triggered MYbank to deliver service plans within one hour to tens of thousands of upstream and downstream customers in the industrial chain. AI is responsible for understanding needs, scheduling capabilities, and executing verifiable work, while key judgments and ultimate responsibility remain with humans.
As of the end of 2025, MYbank's number of comprehensive financial service customers reached 77.22 million, and its customer asset management scale reached 1.2 trillion yuan. From a digital bank to an AI bank, MYbank continues to advance the application of AI in core business processes, enabling every need of small and micro business operators to mobilize the coordinated response of the entire bank.
Comments