File visit time shortened by half Qifu Technology (03660) AI loan officers improve bank customer operating efficiency
The Zhitong Finance App learned that on August 26, QFIN.US (03660) announced the unaudited financial report for the second quarter of 2026. Financial reports show that the company won separate bids for smart construction projects from two banks, covering the two directions of marketing growth and credit risk control. Among them, AI loan officers will be applied to various business sectors such as retail, small micro, and business-to-business to assist account managers to complete the closed loop of the entire process from business opportunity identification and customer visits to business transformation. Currently, an AI loan officer related program has been implemented at a listed bank.
Focusing on credit business marketing and growth, Qifu Technology has built a “account manager fighting frontline+branch office and multi-level command center for business headquarters” linkage model, and through a multi-agent combination of AI loan officers, AI operators, AI supervisors, and AI growth officers, it covers customer management, customer base analysis, business opportunity exploration, business transformation, and performance management to form a multi-level intelligent system from first-line marketing operations to management support.
On the front line of account manager operations, AI loan officers can support scenarios such as lead mining for new and existing customers, business opportunity screening, customer filing and visits, telephone and corporate WeChat communication, and event business opportunity identification, and further connect product applications and transactions; AI operators mainly support customer tasks and customer operations, pending recommendations and action plans, and pending execution. In the specific operation process, AI can identify customer business opportunities, automatically recommend products, generate to-do items, and provide corresponding evidence and communication techniques; after the account manager performs visits, filing, and subsequent business actions, the results continue to flow back, thus forming a closed loop of business data. According to application data, the agent helped account managers cut file visit time in half and increase the opportunity conversion rate by 20% to 30%.
At the branch office and business headquarters level, AI supervisors can provide support such as performance analysis and suggestions, sales process quality inspection and improvement, and process sparring, review and training; AI growth officers focus on crowd package generation, customer base analysis, strategy testing, strategy generation, channel routing, and management insight and diagnostic analysis to provide management with a management gripper. Through the continuous return of first-line business results, multi-level command centers can optimize customer groups, strategies, and channel allocation based on this, and promote the transformation of marketing operations from experience-driven to digital intelligence collaboration.
In addition to inclusive credit, related marketing agents can also be applied to retail wealth management. AI Wealth Assistant can combine data such as customer flow, asset structure, product holdings and risk appetite to form differentiated asset allocation suggestions based on customer capital conditions to help account managers improve operating indicators such as AUM, wealth income, asset allocation ratio, and net growth rate in the number of non-depositary customers. In the future, Qifu Technology will continue to focus on the actual business scenarios of financial institutions, promote the further integration of multi-agent capabilities into bank customer business processes, and consolidate project practices into reusable and sustainable marketing growth capabilities.