On March 22, the 2026 Annual Meeting of the China Development Forum commenced at the Diaoyutai State Guesthouse in Beijing. As the first major national-level international forum of the year, it gathered global leaders from politics, business, and academia under the theme "China in the 15th Five-Year Plan Period: High-Quality Development and Shared New Opportunities." Qifu Technology was invited to participate.
The outline for the 15th Five-Year Plan emphasizes enhancing consumer-focused inclusive policies, expanding financial supply in the consumption sector, and creating a number of new, highly visible consumption scenarios with broad impact. Following the 2025 focus on "AI Driving Industrial Upgrading and International Opportunities," the application of artificial intelligence in industrial settings remained a central topic of discussion at this year's forum.
Qifu Technology expressed the view that AI-driven financial services are helping to broaden the reach of inclusive finance and are becoming critical infrastructure that connects supply with consumption, thereby promoting the qualitative improvement and expansion of the consumer market. For instance, one significant value of AI is its ability to make previously unquantifiable information identifiable, enabling financial institutions to serve the real economy, particularly small and micro-business operators, with greater precision. These operators serve as a vital link between supply and demand. Empowering them with AI not only boosts vitality on the supply side but also injects sustained momentum into the consumer market.
It can be said that AI is accelerating the financial industry's shift from scale-driven growth to quality-driven development. The core value of fintech platforms is evolving from merely improving efficiency to enhancing risk identification and resource allocation capabilities within a compliant framework. Qifu Technology has already implemented AI technologies across various areas, including risk identification, intelligent customer service, and operational decision-making, and continues to explore AI's potential in complex financial scenarios.
From Qifu Technology's perspective, China possesses unique, irreplicable advantages in applying AI within finance—these include vast and diverse real-world application scenarios, high-value data accumulation, and a large, multi-tiered market structure. These conditions allow AI technology to continuously iterate and optimize within high-frequency, complex business environments, advancing "AI + Industry" from concept to systematic capability building.
When discussing international opportunities, Qifu Technology noted that Chinese companies lead globally in the application of AI technologies, enabling the development of AI capabilities that evolve based on real-world scenarios. This provides Chinese firms with a new competitive edge in the global marketplace. According to the CPA Australia "2025 Business Technology Application Survey," 92% of Chinese enterprises have adopted AI tools like DeepSeek, significantly exceeding the Asia-Pacific average. As the global economic landscape shifts, an increasing number of Chinese companies are competing internationally based on technological capability rather than cost advantage alone. AI enhances the adaptability of products and services, making it easier for businesses to understand and respond to different market demands, thereby improving their global service capabilities.
In 2026, Qifu Technology plans to leverage its AI technological strengths to accelerate its expansion into overseas markets, including Europe, Latin America, and Southeast Asia. Building on its mature AI-powered credit technology experience from China, the company aims to broaden its business development horizons and embrace global growth opportunities.
During the 2026 Annual Meeting of the China Development Forum, Qifu Technology's CEO, Wu Haisheng, was invited to attend the forum's opening ceremony, as well as luncheon and dinner events hosted by the Shanghai and Beijing municipal governments, participating in discussions on how companies can leverage their strengths to support regional high-quality development.