The time for archiving visits has been reduced by half. Qifu Technology (03660) AI loan officers enhance the operational efficiency of bank customers.

On August 26, Qifu Technology, Inc ADR Class A (QFIN.US, 03660) announced its unaudited financial report for the second quarter of 2026. The report revealed that the company won bids for intelligent construction projects from two banks, focusing on marketing enhancements and credit risk control through CKH HOLDINGS. The AI loan officer will be applied across various business sectors, including retail, micro and small enterprises, and corporate clients, assisting relationship managers in the complete process from opportunity identification and customer visits to business conversion. Currently, the AI loan officer-related program has been implemented at a publicly listed bank. In regard to marketing and growth in the credit business, Qifu Technology, Inc ADR Class A has established a collaborative model called "frontline of customer managers + multi-level command centers at branch offices and business headquarters" through Qifu Digital Technology. Additionally, it combines AI loan officers, AI operators, AI supervisors, and AI growth officers to cover customer operations, customer group analysis, opportunity mining, business conversion, and performance management, forming a multi-level intelligent system from frontline marketing operations to operational management support. At the frontline of customer management, AI loan officers provide support in scenarios such as new and existing customer lead mining, opportunity screening, customer record creation and visits, telephone and WeChat communication, and event opportunity identification, further connecting product applications and transactions. AI operators primarily support customer tasks and operations, recommendation and action planning for to-do items, as well as execution of these tasks. During specific operational processes, AI can identify customer opportunities, automatically recommend products, generate to-do items, and provide corresponding rationales and communication scripts. After customer managers execute visits, record creation, and subsequent operational activities, the results continuously flow back, thereby forming a closed-loop of operational data. Application data shows that this intelligent system helps customer managers reduce record creation and visit time by half and improves opportunity conversion rates by 20% to 30%. At the branch and business headquarters level, AI supervisors provide performance analysis and recommendations, quality checks and enhancements of the sales process, as well as support for process coaching, reviewing, and training. The AI growth officer focuses on aspects such as customer segment generation, group analysis, strategy experimentation, strategy generation, channel routing, and operational insights and diagnostic analysis, providing management with operational management leverage. Through continuous feedback from frontline business results, multi-level command centers can optimize customer groups, strategies, and channel configurations, driving a transition from experience-driven marketing operations to data intelligence collaboration. In addition to inclusive credit, the related marketing multi-intelligences can also be applied to retail wealth management. The AI wealth assistant can form differentiated asset allocation suggestions based on customer transaction flows, asset structures, product holdings, and risk preferences, helping customer managers enhance AUM, wealth management revenue, asset allocation rates, and net increases in the number of non-deposit clients. In the future, Qifu Technology, Inc ADR Class A will continue to promote the integration of multi-intelligent capabilities into the bank's customer management processes, centered around actual business scenarios, and will further consolidate project practices into reusable and sustainably optimized marketing growth capabilities.