FinVolution Group, a prominent credit technology firm, recently convened a closed-door technology forum in Shanghai on December 18, 2025, titled “New AI Paradigms: The Core Logic Driving Future Development.” This gathering brought together over 20 distinguished scholars from the field of artificial intelligence to engage in comprehensive discussions about the evolving landscape of AI technologies and their impact on fintech business models.
The forum attracted academics from leading institutions such as Tsinghua University, Fudan University, Beijing Jiaotong University, and Beijing Normal University. Participants shared insights on the application of large AI models across various industries, emphasizing the transition of AI from standalone tools to integral components of business systems. Key topics included industry-academia collaboration and interdisciplinary innovation, with a focus on advanced areas like AI detection, data mining, and knowledge graphs.
Professor Jie Tang from Tsinghua University provided a forward-looking perspective, drawing from both cutting-edge research and the historical evolution of technology. He outlined potential development paths and significant trends that may shape the future of artificial intelligence on a macro scale.
Yuxiang Wang, the Chief Operating Officer and Chief Technology Officer of FinVolution, presented the company’s latest advancements in AI. He highlighted that the essence of the new AI paradigm is rooted in the deep integration of technology with core business logic. According to Wang, this integration necessitates a systematic reconstruction of underlying architectures, rather than simply enhancing model capabilities.
FinVolution has developed a comprehensive AI framework that builds upon its hardware infrastructure. This framework features a centralized model layer, resource layer, and application layer. By merging commercial large models with proprietary models, FinVolution has created a business-oriented agent platform. This enables AI to participate directly in critical functions such as risk management, customer service, and operations. The company’s multilingual intelligent assistant, Blu, is currently operational in nine countries, managing over five million interactions daily, showcasing how AI can effectively empower business operations at scale.
“In an era where large AI models are transforming every industry, fintech companies should not view AI merely as an efficiency tool,” Wang stated. “Instead, AI applications need to evolve from discriminative to generative, and from isolated decision-making to end-to-end perception and decision systems.”
During the forum, FinVolution also announced the forthcoming release of a white paper titled “Intelligent Leadership Goes Global: The Evolution of AI in Fintech.” This document will focus on FinVolution’s international expansion experiences and will systematically outline practical approaches for embedding AI into core business operations across diverse markets and regulatory landscapes.
The white paper aims to delve into the application of multimodal large models in key areas such as cross-border customer acquisition, risk identification, and operational decision-making. Lei Chen, Vice President of FinVolution, emphasized that the white paper encapsulates the company’s global experiences and offers practical methodologies that can be replicated.
“By grounding our analysis in real international business scenarios, we aim to clarify how AI can be applied, how far it can go, and where its boundaries lie,” Chen remarked, adding that the white paper will serve as a valuable reference for the industry, balancing innovation with compliance.
As the dialogue on the future of artificial intelligence continues, FinVolution’s initiative to engage with leading scholars marks a significant step towards shaping the next phase of AI integration in the fintech sector.
