Yiren Digital CFO Highlights Company’s AI Transformation and Next-Generation Fintech Strategy

Yiren Digital Ltd., a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and Southeast Asia, announced that its Chief Financial Officer, Mr. William Hui, delivered a keynote presentation at the Hong Kong Fintech Week on November 3, 2025. The presentation outlined the Company’s artificial intelligence (AI) transformation strategy, spotlighting its proprietary large language model, Zhiyu LLM, and its new agentic platform, “Magicube,” as central to shaping the next generation of fintech innovation.

During the address, Mr. Hui highlighted that the Company has established a strong foundation for AI development and delivered monetary benefits, supported by deep in-house talent, high-performance computing infrastructure, and extensive proprietary datasets accumulated from serving millions of consumers across Asia. These capabilities enable the Company to integrate AI across the full value chain of its financial services operations—from origination and risk decisioning to ongoing capital deployment and customer lifecycle management.

Read More on Fintech : Global Fintech Interview With Justin Meretab, Co‑Founder and CEO of Layer

Mr. Hui detailed the Company’s proprietary large language model, Zhiyu LLM, which has demonstrated strong performance in multi-language understanding and context analytics. The model has been deployed in Yiren Digital’s operations platform to enhance risk screening, streamline compliance workflows, automate customer service interactions, and accelerate client onboarding. Its application has resulted in meaningful improvement in operational efficiency and decision accuracy.

Mr. Hui also introduced the Company’s agentic AI platform, “Magicube,” which coordinates multiple specialized AI agents to autonomously collaborate on complex business functions, including sales, capital planning, and risk oversight. The platform allows AI agents to make dynamic decisions, monitor performance outcomes, and continuously adapt in real time. Magicube is designed as a scalable architecture capable of supporting both the Company’s existing lending business and potential expansion into new financial service verticals and other industry use cases.

“We believe that AI is reshaping the competitive frontier of financial services,” said Mr. Hui. “With Zhiyu and Magicube, we are not only enhancing the efficiency and resilience of our current business, but also laying the foundation for AI-native business models that extend well beyond traditional lending. Our goal is to build intelligent, scalable systems that will drive long-term value.”