On September 16, Yixin Group (02858) Chief AI Scientist and Senior Vice President Zhang Lei attended the 2026 IT Value Summit Digital Value Annual Conference, hosted by Titanium Media, where he delivered the first systematic explanation of the "Human-Centric Long-Horizon Agent" AI paradigm and shared large-scale deployment results of the Agent-driven revolution across the entire auto finance value chain.
In doing so, Yixin Group (02858) has provided the industry with a brand-new pathway for AI to leap from being a supporting tool to becoming an intelligent native capability.
The IT Value Summit is one of the longest-running and most prestigious technology conferences in China's enterprise digitalization space. This year's event centered on "Systematic Implementation of AI," shifting the discussion from "whether the technology is viable" to "how AI applications can be deployed, how industries can be organized, and how value can be realized." On this subject, Yixin Group (02858), as an AI innovator deeply rooted in the auto finance sector, holds substantial authority to speak.
Zhang Lei noted during his presentation that auto finance is a typical business requiring complex decision-making across long chains. From customer admission, document submission, approval, solution matching, delivery and contract signing, to asset management, the process exhibits characteristics such as extended task spans, cumbersome workflows, difficult dynamic decision-making, and strict compliance controls. Therefore, a genuinely industry-fit long-horizon agent cannot be confined to "completing a single task with fixed steps." Instead, it must engage in long-cycle interactions with customers whose states are continuously changing, all while working toward clear business objectives.
"In enterprise-level scenarios, what truly matters is not more steps, but, given a defined business goal, executing long-horizon interactions while continuously dealing with a person who changes," Zhang Lei stated. Based on this assessment, Yixin Group (02858) has proposed the "Human-Centric Long-Horizon Agent" as a new AI paradigm.
This framework is jointly constructed by three components: a human understanding model, a vertical domain model, and the Harness engineering layer. The human understanding model continuously models customer car-purchase intent, budget, trust level, and buying decisions, serving as the key to improving agent effectiveness. The vertical domain model is deeply adapted to auto finance rules, dynamically optimizing communication and service strategies around business objectives. The Harness engineering layer connects a full-chain data loop, supporting real-time, seamless switching between agents and human operators within the same order flow. When the model exhibits "hallucinations" or makes non-compliant commitments, the system can trigger circuit-breaking and governance measures in milliseconds and switch to human handling, balancing efficiency with risk control.
Zhang Lei emphasized: "The intelligent transformation of auto finance is not about AI replacing humans, but about AI understanding people and business better, continuously creating value within safe and compliant boundaries." This AI system has already achieved large-scale deployment across the entire business chain at Yixin Group (02858).
As of the end of June 2026, Yixin Group (02858) had deployed 45 agents across real business scenarios, covering core segments including marketing, risk control, approval, and customer service. These agents process 230,000 tasks daily, drive 90% of business processes autonomously through auto finance Agentic AI, and have improved overall operational efficiency by 45.4%. It was also revealed that its AI can independently follow up with the same customer for more than 20 days, execute a single task continuously for over 16 hours, and make long-cycle customer service a reality.
Zhang Lei stated that, as an AI-driven fintech platform, Yixin Group's (02858) innovations serve not only its own operations but also emphasize technology enablement, actively providing one-stop AI intelligent solutions to upstream and downstream industry partners. As the industry shifts from scale-driven growth to a dual focus on efficiency and compliance, Yixin Group (02858) will continue to drive the adoption of the "Human-Centric Long-Horizon Agent" across more scenarios, offering a replicable model for industry-wide intelligent transformation and helping auto finance move toward higher-quality, more sustainable development.