Chifu Technology

Chifu Technology (formerly known as 360 Digital) is an artificial intelligence-driven credit technology service platform, focusing on providing financial institutions with technological empowerment and promoting the high-quality development of inclusive finance. The company adheres to the concept of "starting from security, constant in technology", utilizes advanced technologies such as big data, artificial intelligence, cloud computing, etc., and helps financial institutions to improve quality and efficiency by means of intelligent services, AI research and application, and security technology, and at the same time, allows more people to enjoy safe and convenient financial technology services.

The main products under Chifu Technology include 360 Lend-Lease and 360 Turnaround Spirit, etc. These products rely on the company's core technological strengths in Internet security technology and big data analysis to focus on the demand for financial services, improve the efficiency of financial services, and provide personalized fintech services to users. In addition, Chifu Technology has self-developed advanced technologies such as Argus Intelligent Risk Control Engine and Glaucus Growth Engine, which are equipped with core functions such as anti-fraud, credit assessment and risk early warning, and provide all-round risk management and growth support for financial institutions.

In terms of development history, Chifu Technology's predecessor was 360 Gold Service, which was established in 2015, and then 360 Financial Group was established in 2016 and officially listed on the NASDAQ exchange in the United States in 2018. In recent years, Chifu Technology has gradually developed into one of the leading companies in the field of financial technology through continuous technological innovation and market expansion.

Chifu Technology's core technology advantages are mainly reflected in the following aspects:

1. Artificial Intelligence and Big Data Technologies: Qifu Technology has successfully accessed China's 95% network traffic by relying on superior artificial intelligence and big data technologies. These technologies are not only used to optimize the initial step of customer service - reaching customers, but also through authorized invention patents, such as "A Multi-Channel Intelligent Advertisement Delivery System" and "An Intelligent Voice Dialogue System Based on Real-Time Emotion Detection", to significantly improve the efficiency of advertisement delivery and the success rate of customer acquisition. Through authorized invention patents, such as "A Multi-Channel Intelligent Advertising Delivery System" and "An Intelligent Voice Dialogue System Based on Real-Time Emotion Detection", the company has significantly improved the efficiency of advertising delivery and the success rate of customer acquisition, while at the same time helping customer service personnel to better understand the feelings and needs of the customers, and to provide a more attentive and effective communication method.
2. Intelligent Risk Control Engine: Qifu Technology's self-developed Argus Intelligent Risk Control Engine is one of its important technical advantages. The engine is based on massive data and utilizes unique risk management technology capabilities to form a wind control system and wind control capabilities with three core functions: anti-fraud, credit assessment and risk warning. This technology is able to support a large number of strategy rule numbers, machine learning models and user data dimensions, providing financial institutions with comprehensive risk management support.
3. growth engine: Glaucus growth engine is another core technology of Chifu Technology. The engine integrates multi-dimensional value data, based on big data and AI technology, to create the intelligent growth engine Glaucus Super Brain.Glaucus can carry out a large number of calculations every day, to quickly determine the value of the traffic, the competitiveness of the traffic, and the traffic adapted to the creativity of the financial institutions, to provide intelligent growth support.
4. speech recognition technologyKeefe's "Keefe AI - Copilot System" integrates 13 core capabilities including Voice Print Recognition (VPR), Automatic Speech Recognition (ASR), etc. In particular, ASR technology uses an innovative multi-task learning method to achieve a combined accuracy of over 93% under complex call environments. The ASR technology, in particular, employs an innovative multi-task learning approach to achieve a combined speech recognition accuracy of more than 93% in complex call environments. In addition, the system is capable of handling various dialectal accents, reducing the speech recognition error rate for dialectal accents.
5. Privacy and Security TechnologiesQifu Technology has inherited the digital security gene and innovated financial security technology, with a full-site high-credibility risk identification strategy, a security privacy and compliance risk analysis system, and an integrated security management system, etc., to provide users with all-round privacy and security protection.

In summary, Chifu Technology has significant core technology advantages in artificial intelligence, big data, intelligent risk control, growth engine, voice recognition, and privacy and security. These technologies not only enhance the company's service quality and efficiency, but also provide a solid guarantee for its leading position in the field of financial technology.