Jiayin Technology Reconstructs the New Fintech Ecosystem with Hardcore Strength

As the wave of the digital economy sweeps across the globe, fintech has become the core engine driving industry transformation. Since its establishment in 2011, Jiayin Technology has embedded technological innovation into the company’s DNA, building a smart financial ecosystem covering the entire chain of risk control, operations, and services based on big data, artificial intelligence, and cloud computing. With code writing trust and algorithms defining efficiency, it continues to lead in the fintech sector.

A hardcore technology matrix solidifies the foundation for innovation. After over a decade of deep cultivation, Jiayin Technology has built a technical system centered around an 'atomic technology platform,' encapsulating core capabilities such as AI algorithms and data governance into standardized modules, incubating a series of industry benchmark intelligent platforms. In the critical financial area of risk management, the 'Mingjian' intelligent risk control system constructs a full lifecycle protection network, integrating proprietary algorithms like 'Shilan' audio mining and 'Mingjing' text mining. The new model increases risk capture rates by 60%, blocking fraudulent loans for over 2.81 million people cumulatively in 2024, preventing nearly 6 billion yuan in potential losses. Moreover, the combination of a multi-million-level voiceprint database with multimodal biometric recognition technology achieves precise interception of malicious attacks from black industries, keeping the overdue rate above 90 days stable at an excellent level of 1.12%.

Deep AI Empowerment Reshapes Service Efficiency. Facing the wave of artificial intelligence, Jiayin Technology is not only an adopter but also an ecosystem builder. The 'Lingxi' AI Agent Center integrates knowledge flow and workflow based on RAG technology, upgrading business personnel into 'super individuals.' The 'Nüwa' Intelligent Assistant Platform enables 100% AI-assisted customer service operations, serving over 1.6 million daily interactions with a conversation summary accuracy rate of 90%. Leveraging proprietary large models, it reduces service costs by 80% year-over-year. These achievements have earned Jiayin Technology the 'Golden Voice Award,' known as the 'Oscar of customer service,' establishing it as a benchmark in the industry. On the R&D front, the 'Mingyi' Auto ML platform cuts model training time in half, while the 'Tianlu' DevOps platform builds an efficient and agile R&D hub, accelerating technological innovation implementation.