Beijing, China, June 27, 2025 (Globe Newswire) – June 26, 2025, The future of finance China 2025 It was held by Asian bankers In Beijing. Lexinfintech has received the “best AI technology for Chinese financial technology companies” in Asia, recognizing its pioneering innovation and applications in large-scale models of AI and agent-based automation.Asian bankers The award is renowned for its rigour and was selected by an international panel of bankers, consultants and scholars through a multi-round evaluation process over several months. The award, often referred to as the “Oscars” in the Asia Pacific region, included other recipients of the Asian Bank's annual awards, including major financial institutions such as the China Industrial and Commercial Bank (ICBC), China Construction Bank (CCB), and China Merchant Bank (CMB).
AI is one of today's hottest social topics, and is deeply restructuring development logic across the industry. Powered by machine learning, deep algorithms and other technologies, AI not only dramatically improves the efficiency of intelligent operations and financial risk control, but also drives innovation and reconstruction of business models. This will provide a detailed explanation of how Lexin's CTO Elwin LU will realize how it works for artography such as large-scale models and agent-based automation, such as agent-based automation, during the future finance summit. According to customers.According Lu, Lexin is the first in the industry to comprehensively apply AI across the FinTech value chain. Innovation and implementation of AI technology has become one of Lexin's new quality productivity and core competitive barriers.
AI Agent is one of the most popular applications of AI today. According to Erwin Lu, Lexin uses reinforcement learning algorithms and a financial knowledge distillation framework to develop its own financial adaptive AI agent. These agents have already been applied in areas such as pre-loan strategy generation support, strategy verification, and automatic post-release monitoring. Based on AI-produced AI agents, Lexin plans to deploy 100 “AI Agent Positions” within a year, including roles such as AI Customer Service Quality Inspector and AI Data Analyst.
Large AI models are also an important vector for Lexin's AI technology applications. Lexin is one of China's earliest financial platforms to deploy and utilize Deepseek. As early as last year, Lexin introduced the Deepseek V2. This year, the company continues to integrate cutting-edge large-scale models such as the Deepseek R1 and QWEN3. Through the “Data Distillation + Domain-Specific Fine Tuning” technical framework, Lexin repeatedly strengthened its locally deployed “singularity” AI large-scale model, applied across R&D efficiency, internal tools, and business enablement. It helped generate 860,000 lines of code per month and proposed 210,000 code quality improvement proposals over the past year. “With the large support of the model, engineers have more than doubled the efficiency of code writing,” Erwin Lu said.
In addition to working with AI agents and large language models, Lexin's AI technology is embedded throughout the digital lending lifecycle, including marketing and user acquisition, risk management, and post-loan management. Key innovations include the “Gauss” customer data platform for standardized data assets, the “Riemann” anomaly attribute system for intelligent analytics, the “Turing” simulation engine to support smart decision-making, and the AI-powered platform for recommendations for automated risk strategies. These deep-rooted capabilities in technology and risk management drive consistent business improvement. In the first quarter of 2025, Lexin's overall credit risk declined quarterly, and profit margins steadily improved. The non-GAAP EBIT reached RMB580 million, the highest level in the last 13 quarters, reflecting the company's strong and sustained growth momentum.
Lexin is recognized from Asian bankers Seventh year in a row. Since 2019, the company has received several prestigious awards from Asian bankers, including “Best Lending Technology in China” (2019), “Best AI and Innovation Lab in China” (2020), and “Best Digital Business Model” (2021), and “Best Digital Consumer Loan Services in China” (2021). “Digital Business Model” Award. In the future, Lexin will continue to increase its strategic investment in AI, accelerating its deployment in core areas such as risk management, sophisticated operations and employee productivity. These initiatives aim to drive businesses towards smarter, data-intelligent, and high-quality growth.
