From June 26th to 28th, the Mobile World Congress 2024 was held in Shanghai with the theme of "Future First". China Mobile participated in the exhibition with the theme of "Digital and Real Symbiosis, Intelligent Future". China Mobile Financial Technology Co., Ltd. (hereinafter referred to as China Mobile Financial Technology), as the vanguard of China Mobile Group in the field of financial technology, also made a wonderful appearance at the exhibition, focusing on the three theme exhibitions of "AI + Smart Consumption", "Financial Risk Control Model" and "Financial Technology Big Data", bringing a number of innovative applications of financial technology such as AI+ industrial finance, consumer finance, and Jiutian Financial Risk Control Model, and comprehensively demonstrated that China Mobile Financial Technology is promoting AI+ through interactive experience, smart screens, model demonstrations and other diversified formsApplication results in the financial field.
AI + Smart Consumption Reshapes the Financial Consumption Ecosystem
In order to comprehensively promote the "AI+" action, China Mobile Financial Technology focuses on AI+ finance, focusing on the two major fields of industrial finance and consumer finance, based on the cross-integration of AI, big data, blockchain and other technical capabilities, and makes every effort to build a series of businesses such as merchant loans, electronic guarantee platforms and quick redemption to empower the real economy.
In terms of industrial finance, China Mobile Financial Technology has created the "China Mobile Supply Chain Finance Platform" and the "China Mobile Commercial Factoring Platform", which adopt the "four-in-one" closed-loop industrial chain financial ecological scenario to promote the direct flow of funds into the real economy and industrial cycle, dredge the "blocking points" of capital circulation in the industrial chain ecological scene, improve the availability of financing for business entities, and reduce operating costs. The platform uses AI to intelligently review user information, and the AI risk control model automatically assesses user risks, providing efficient and convenient financial services for enterprises, and helping small and medium-sized enterprises to solve problems, reduce costs and increase efficiency.
In terms of consumer finance, based on financial scenarios such as credit purchase and number borrowing, China Mobile Financial Technology has integrated financial large model AI technologies such as pre-credit, intelligent voice customer service, and intelligent audit to realize the diversified configuration of credit purchase and installment capabilities, accurate portraits of number borrowers, and intelligent hierarchical grading. Real-time portrait scoring for users through big data and risk control modeling; Through AI intelligent voice customer service, users are informed of business rules by phone, improving risk control and security, improving business efficiency, and protecting users' rights and interests.
The financial risk control model intelligently guards the financial safety valve
At the booth of China Mobile Financial Technology, the Jiutian Financial Risk Control Model attracted many people to stop, and many visitors carried out "face liveness detection", "face deep fake detection", "broken screen detection" and other experiences, and intuitively felt its powerful effect in preventing financial fraud.
With its strong key risk control capabilities such as customer identification, credit evaluation, and document and ticket review, the Jiutian Financial Risk Control Model self-developed by China Mobile Financial Technology can effectively prevent the risk of customers being counterfeited and illegally arbitraged. At the same time, the model also supports special functions such as risk judgment, risk interpretation, information extraction, and knowledge question and answer, providing a full-link risk control capability solution based on large models for finance, payment and other industries. Among them, the face authentication capability (including liveness detection) has passed the "outstanding" evaluation of the face recognition security project of the China Academy of Information and Communications Technology.
At present, the Jiutian Financial Risk Control Model has been implemented in a number of business fields, including financial consumption installment, insurance intelligent insurance claims, super SIM digital identity and other scenarios, serving many leading enterprises in the industry, with a cumulative call volume of 10 million.
Fintech Big Data Builds the Great Wall of Credit
At the Fintech Big Data Booth, the two major fintech big data products displayed by China Mobile Financial Technology Co., Ltd. in the fields of social credit and inclusive finance became the focus of attention.
In view of the problem of malicious debt evasion by borrowers commonly faced by the banking industry, China Mobile Financial Technology has created the country's first anti-malicious debt evasion product, and has signed contracts with a number of financial institutions, effectively reducing the business risks of financial institutions and creating a good credit environment for the society.
In the field of inclusive finance, in view of the fact that a large number of rural users are not trustworthy and financial institutions lack the means to evaluate the overall credit of rural areas, China Mobile Financial Technology has created a credit evaluation product for rural households, and built the largest credit portrait database of rural households in the country, covering 400,000 administrative villages across the country, providing credit services for 360 million rural users, further solving the problem of rural credit white households, lowering the credit threshold of rural households, and providing strong support for rural economic development.
Taking this Mobile World Congress (Shanghai) as an opportunity, China Mobile Financial Technology has comprehensively demonstrated its digital innovation achievements in the financial field. In the future, China Mobile Financial Technology will continue to provide users with more convenient, safe and efficient financial services, continue to serve users with high-quality financial products, and help the high-quality development of the real economy.