The 2026 Mid-Year Strategy Summit hosted by Gelonghui featured the announcement of the "Jinge Award" list of outstanding companies.

Recognized for its comprehensive integration of artificial intelligence technology across business processes and its innovative practices in continuously advancing the intelligent upgrade of financial services, LexinFintech Holdings Ltd. (NASDAQ: LX) was honored with the "Artificial Intelligence Innovation Enterprise Award."

Other listed companies receiving awards alongside Lexin included China Ping An, Bank of Communications International, Sunshine Insurance, and SF Holding.

Industry Transition to Practical AI Applications

Currently, the field of artificial intelligence is transitioning from a phase focused on large model capability competition to one centered on industrial implementation.

Industry observers believe that companies capable of enduring through technology cycles are not merely those employing advanced models, but more importantly, those that can transform AI into a new quality productive force that sustainably generates commercial value.

Early AI Development and Financial Application

As one of the earliest financial technology enterprises in China to initiate research and application of artificial intelligence technology, Lexin has consistently maintained its commitment to technological investment.

The company has continuously iterated its locally deployed "Singularity" AI large model, consistently enhancing core capabilities such as data extraction, model construction, and financial knowledge distillation.

It has now established an AI agent system endowed with financial adaptive capabilities and constructed an "AI Composite Agent Matrix."

This matrix has cumulatively deployed over 100 AI agent roles, covering critical business scenarios including risk control, customer service, operations, and research and development.

This enables data collaboration and task linkage among different agents, truly integrating AI as a productive force within business operations.

Expansion of AI Implementation in 2024

This year, Lexin has accelerated its AI deployment, positioning artificial intelligence as a key engine for new quality productive forces and achieving scaled applications across multiple business areas.

In the risk control domain, the company upgraded its algorithmic model capabilities, further improving user identification accuracy and better supporting differentiated pricing and credit limit management.

The customer service system incorporated large model multi-turn intent understanding, significantly enhancing user intent recognition accuracy in complex dialogue scenarios and markedly improving service experience.

On the research and development front, the widespread adoption of AI coding tools has further boosted business development and testing efficiency.

Concurrently, the company established a Skill Hub platform to modularize, accumulate, and enable the reuse of AI capabilities, laying a foundation for the large-scale application of AI.

AI's Role in Risk Management Evolution

For the financial industry, the value of AI extends beyond efficiency gains to the continuous evolution of risk management capabilities.

Leveraging its privately deployed "Singularity" AI large model, Lexin integrates over a trillion data points from credit transactions and multi-dimensional user behavior data.

This enables real-time credit scoring calculations, dynamic optimization of risk control strategies, and the identification of latent risks—such as associated fraud and abnormal fund flows—that are difficult for traditional rules to detect, using complex relationship graphs.

In scenarios including pre-loan strategy generation, telemarketing, and post-loan management, AI agents are increasingly involved in strategy optimization and decision support, continuously enhancing the precision of business operations.

Extending AI to Consumer Protection

AI capabilities are also being extended to consumer rights protection.

Lexin continues to refine its "5S Protection System" for consumer safeguarding, utilizing technologies like AI and big data to achieve full-process coverage of consumer rights protection.

In 2025, the company further upgraded its data security governance system, addressing 86 security vulnerabilities throughout the year and cumulatively intercepting 560 million malicious attacks, maintaining a record of "zero data leaks."

Relying on its AI anti-fraud model cluster, the platform can complete complex transaction risk identification in milliseconds, having sent over 88 million anti-fraud alerts to users cumulatively throughout the year.

Externalizing Technological Capabilities

Notably, Lexin's AI strategy is not confined to internal efficiency improvements.

By systematically and modularly exporting the technological capabilities accumulated in areas like risk control, customer acquisition, and operations, Lexin assists partners in improving their digital operational capabilities and user outreach efficiency.

This transforms its years of accumulated digital and intelligent technology capabilities into a core competitive advantage for external services.

Driving Industry Development with Intelligent Technology

As AI evolves from a point solution into a core enterprise capability, the financial technology industry is entering a new stage of high-quality development driven by intelligence.

As a leading new consumption digital technology service provider in China, Lexin, guided by its mission to "make consumption better through technology," leverages industry-leading technologies like big data and artificial intelligence.

The company continuously creates new consumption models, using technology to assist over 20 million merchants and nearly 200 financial institutions in enhancing efficiency and operational capabilities.

It serves over 200 million high-quality, high-growth consumers in China, promoting consumption upgrades and supporting the development of the real economy.

Receiving the "Artificial Intelligence Innovation Enterprise Award" from Gelonghui not only reflects capital market recognition of Lexin's AI technology innovation capabilities but also demonstrates the phased achievements it has attained in the deep application of AI in financial scenarios, the construction of digital intelligent service capabilities, and the cultivation of new quality productive forces.

Award Selection Criteria

The "Jinge Award" was established by Gelonghui based on an investment logic of "global perspective, investing in China," covering all listed entities on the Hong Kong Exchange, the Shanghai and Shenzhen stock exchanges, as well as the New York Stock Exchange, NASDAQ, and the American Stock Exchange.

Through a combination of quantitative data analysis and expert review, the award selects representative enterprises across various sectors.

The "Artificial Intelligence Innovation Enterprise Award" specifically recognizes leading companies that have achieved technological breakthroughs in the AI field and successfully translated them into tangible commercial value.