china’s AI Landscape: Yiren Digital Gains Competitive Edge

Yiren Digital (NYSE: YRD), a prominent AI-driven platform offering diverse financial and lifestyle services in China, has achieved a significant milestone. Their proprietary “Zhiyu Large Model,” an advanced Smart language model, has secured regulatory approval for commercial deployment. This achievement underscores Yiren Digital’s position as a leader in AI innovation within the competitive Chinese market.

This approval, granted under the Interim Measures for the Management of Generative Artificial Intelligence Services, allows Yiren Digital to commercially leverage its AI capabilities across a wide spectrum of applications. as of April 10, 2025, only 128 generative AI services in Beijing had successfully navigated this rigorous filing process, highlighting the significance of Yiren Digital’s accomplishment.

Zhiyu Large Model: Powering Efficiency and Innovation

The Zhiyu Large Model is a versatile foundation model designed to enhance various aspects of Yiren Digital’s operations. Its capabilities include:

• Real-time content processing and analysis
• Automated contract review
• Multilingual translation
• Bright Q&A
• Code generation

These features have already been integrated into core workflows, such as meeting management, legal document review, and financial operations, resulting in significant efficiency gains and a more intelligent digital workplace.For example, AI-powered contract review can reduce processing times by up to 40%, according to recent industry reports.

Expanding AI Applications: Focus on Customer Engagement

Building on the success of the Zhiyu large Model, Yiren Digital plans to broaden its application across diverse business scenarios, with a particular emphasis on enhancing consumer-facing (2C) interactions. the company aims to deliver more natural and human-like engagement through AI-powered interfaces. Future integration with customer service systems promises to elevate responsiveness and overall service quality.

The company plans to leverage the model to create more personalized and efficient customer service experiences. this includes AI-powered chatbots that can handle a wider range of inquiries and provide more accurate and timely responses.

A History of AI Innovation: Yiren Digital’s Technological Prowess

Yiren Digital has consistently prioritized technological innovation, developing a suite of seven proprietary AI systems that form the backbone of its operations. These systems include:

• DiTing intelligent decision-making system
• LingShu intelligent marketing platform
• QingNiao smart customer service solution
• ZhuQue intelligent fund routing platform

The ZhuQue platform exemplifies the company’s technological prowess, employing refined algorithms to optimize fund allocation based on dynamic analysis of borrower credit profiles, partner risk parameters, and cost structures. This system alone generated annual cost savings of RMB 44 million for the year 2024.

With the commercial approval of the Zhiyu Large Model, Yiren Digital anticipates accelerated enhancement of its existing systems and smoother realization of its complete AI commercialization strategy.

Industry Recognition and Future Outlook

Yiren Digital’s commitment to AI innovation has been recognized by several industry organizations. The company is a member of China’s Artificial Intelligence Industry Alliance (AIIA) and was recognized among 2024 “Beijing’s Top 100 Software and Details Services Enterprises” and won the 2024 “Golden FinTech” Excellence Award by CAICT.

The approval of the Zhiyu Large Model positions Yiren Digital for continued growth and innovation in the rapidly evolving AI landscape.The company’s focus on both internal efficiency and customer-facing applications suggests a comprehensive approach to leveraging AI for business success.