#China #Beijing #AI Transformation #Fintech Innovation #Yiren Digital

Yiren Digital Achieves Prestigious Award for Technology Innovation

Yiren Digital Ltd. (NYSE: YRD), a prominent player in the fintech space known for its advancements in digital consumer lending and financial technology, has achieved a remarkable milestone by winning the "Technology Innovation Leadership Award for Listed Companies" at the 23rd China Financial Annual Champion Awards. This prestigious accolade was presented on December 11, 2025, during a significant conference held in Beijing, focused on the theme "Charting a Breakthrough for China's Economy."

The conference brought together an impressive assembly of over twenty leading economists and policy experts, who engaged in discussions regarding critical subjects such as China's 15th Five-Year Plan, macroeconomic outlook, technological innovations, and the restructuring of capital markets amidst global volatility.

The China Financial Annual Champion Awards are among the most prestigious recognitions in the financial sector, celebrating companies that contribute significantly to the advancement of China's economy and financial landscape. This award serves not only as a benchmark for excellence but also provides insights into economic and financial trends expected in the coming year. Yiren Digital’s recognition underscores its commitment to continuous innovation and operational excellence in AI-driven digital transformation.

Since its IPO in 2015, Yiren Digital has undergone a significant evolution, expanding its AI research and development capabilities and transitioning from a fintech entity to a comprehensive smart technology organization. By integrating advanced AI automation within its operations, Yiren has successfully transformed its AI capabilities into concrete productivity enhancements, bolstering both innovation and corporate performance.

As Yiren Digital embarks on its tenth year as a publicly traded entity, it reinforces its commitment to redefining business models through AI, fostering deeper integration of technology and finance across the entire fintech ecosystem. The company’s focus on the "AI+" strategy, supported by its dedicated AI Lab, has given rise to an expanding suite of proprietary AI models that are employed across various business functions. These advancements have significantly improved data management, precision in customer acquisition, smart marketing, customer service, and risk management, together optimizing overall operational efficacy.

A cornerstone of Yiren Digital's strategy is its unwavering commitment to early adoption, consistent investment, and sharp strategic focus. The company allocates substantial resources annually towards research and development, reinforcing its competitive edge in the industry. Its core AI model, "Zhiyu," deployed in April 2025, stands at the forefront of its technological infrastructure, boasting capabilities for multi-agent collaboration and contextual memory to facilitate intricate, human-like interactions that bolster a robust AI framework.

Moreover, Yiren Digital has significantly revolutionized its service capacity through the introduction of the Magicube AI Agent Platform, which streamlines customer engagement with enhanced precision and efficiency. By leveraging the synergy between human intelligence and AI, this platform alleviates typical constraints linked to human-centric service methodologies.

Recently, the Magicube AI Agent Platform underwent a significant 2.0 upgrade, enhancing several key functionalities, including:

• - Intelligent Marketing Optimization: Improved conversational routing for more effective customer engagement.
• - Automated Content Creation: An upgraded system for generating succinct and meaningful content, dramatically boosting efficiency.
• - Intelligent Quality Control: New flexible configurations and batch inspection capabilities for improved service consistency.
• - Code Security Enhancements: Stricter detection systems aimed at maintaining system stability and security.

With these enhanced capabilities, Yiren Digital is poised to accelerate the development of a coordinated "digital task force" that will underpin the next chapter of operational intelligence.

Looking forward, Yiren Digital remains steadfast in its pledge towards technological innovation in AI, aiming to play a pivotal role in the evolution of digital intelligence and significantly drive industry-wide transformation. As advancements in AI continue to evolve, the company is well-positioned to shape future trends and positively influence societal development.

About Yiren Digital

Yiren Digital Ltd. stands as a leading figure in the fintech industry, focusing on digital consumer lending, insurance, and next-generation financial innovation across China and Southeast Asia. By leveraging cutting-edge AI and emerging technologies, Yiren Digital seeks to bolster customer experiences, enhance operational efficiency, and promote financial inclusivity. With ongoing advancements in AI and digital finance, the company is laying the foundations for its vision of becoming a worldwide leader in AI-powered and blockchain-enabled financial technology. More details can be found at Yiren Digital IR.