Beijing, China, June 27, 2025 — On June 26, 2025, The Future of Finance China 2025, hosted by The Asian Banker, took place in Beijing. LexinFintech was honored with The Asian Banker’s “Best AI Technology for Financial Technology Company in China” award, recognizing its innovative AI large models and agent-based automation applications. The Asian Banker awards are known for their stringent selection process, involving an international panel of experts who conduct evaluations over several months. Considered the “Oscars” of the Asia-Pacific financial sector, these awards hold significant prestige. Other recipients of The Asian Banker’s annual awards included major financial institutions such as Industrial and Commercial Bank of China (ICBC), China Construction Bank (CCB), and China Merchants Bank (CMB).
AI is a prominent topic today, significantly changing how industries develop. Utilizing machine learning, deep algorithms, and related technologies, AI enhances intelligent operations, financial risk control, and drives business model innovation. This provides new growth opportunities for China-listed tech companies like Lexin. At the “Finance in the era of pervasive AI” roundtable during the summit, Lexin’s CTO Erwin Lu discussed AI trends like large models and agent‑based automation, and their implementation at Lexin to benefit both the company and its customers. Lu stated that Lexin is the first in the industry to comprehensively apply AI across the fintech value chain. AI technology innovation has become a core competitive advantage for Lexin.
AI agents are a popular AI application. According to Erwin Lu, Lexin has developed financially adaptive AI agents using reinforcement learning algorithms and a financial knowledge distillation framework. These agents are used in pre-loan strategy support, strategy validation, and post-launch automated monitoring. Lexin plans to introduce 100 “AI agent positions” this year, including AI customer service quality inspectors and AI data analysts. “AI is not meant to replace people, but to significantly enhance employee efficiency,” Lu said.
Large AI models are also a key part of Lexin’s AI applications. Lexin is among the first financial platforms in China to use DeepSeek, having introduced DeepSeek V2 in May of last year. This year, the company continued to integrate models like DeepSeek R1 and Qwen3. Through a “data distillation + domain-specific fine-tuning” framework, Lexin has improved its locally deployed “Singularity” AI model, applying it across R&D, internal tools, and business enablement. For example, Lexin’s “Singularity” AI model is used by all of its developers in R&D productivity. It has helped generate 860,000 lines of code per month and suggested 210,000 code-quality improvements over the past year. “With large model assistance, our engineers’ code-writing efficiency has more than doubled,” said Erwin Lu.
In addition to AI agents and large language models, Lexin’s AI technology is used throughout the digital lending lifecycle, including marketing and user acquisition, risk control, and post-loan management. Key innovations include the “Gauss” customer data platform, the “Riemann” anomaly attribution system, the “Turing” simulation engine, and an AI-powered platform for automated risk strategy recommendations. These capabilities in technology and risk management have driven business improvements. In the first quarter of 2025, Lexin’s overall credit risk declined, while profit margins improved. Non-GAAP EBIT reached RMB 580 million, the highest in the past 13 quarters, showing the company’s growth.
Lexin has been recognized by The Asian Banker for the seventh consecutive year. Since 2019, the company has received awards including “Best Lending Technology in China” (2019), “Best AI and Innovation Lab in China” (2020), “Best Digital Business Model” (2021), as well as awards for “Best Digital Consumer Lending Service in China”, “Best Digital Customer Ecosystem Initiative in China”, “Best Banking as a Service Technology Initiative”, and the international “Best Digital Business Model” award. Lexin will continue to invest in AI, accelerating deployment in areas like risk management, operations, and employee productivity to drive smarter and high‑quality growth.
CONTACT: Chuanda Xu chuandaxu(at)lexin.com
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