Yirendai Ltd (YRD)

Yiren Digital Ltd. announced the expansion of its artificial intelligence capabilities across various business functions using a shared enterprise operating model. The company has developed a common AI framework that allows AI capabilities developed for one function to be deployed across others without rebuilding core models, standardizing models, agents, workflows, and governance. This architecture includes several large language models and multi-agent platforms, supporting operations in customer service, marketing, risk management, and more.

Yiren Digital (NYSE: YRD) has announced significant progress in upgrading its enterprise AI capabilities through a shared operating model. This approach allows AI solutions developed for one business function to be rapidly reused in others, reducing development time and fostering scalability. The company's AI framework, leveraging proprietary large language models and a multi-agent platform, has been validated across various operations including credit, insurance, customer service, and risk management.

Yiren Digital (NYSE: YRD) has announced significant progress in upgrading its enterprise AI capabilities, establishing a shared operating model that allows AI developments in one business area to be rapidly deployed across others. This initiative aims to transition the company into an AI-native, multi-industry operating platform, fostering modularity and reusability of AI models across its credit and insurance businesses and for future expansion. The CEO, Mr. Ning Tang, emphasized the architecture's focus on composable components for fraud detection and integration into autonomous financial systems.

Yiren Digital has unveiled an AI-enabled fraud detection framework and launched its Hawkeye and DiTing systems as part of its "All-in-AI" strategy. In 2025, these systems successfully intercepted 10,300 fraudulent borrowers, preventing RMB 165 million (USD 23 million) in losses. The initiative demonstrates the company's commitment to strengthening credit-risk management and enhancing decision-making through advanced AI technology across its financial services.

Yiren Digital announced that its AI-powered fraud detection systems, Hawkeye and DiTing, intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, preventing RMB165 million (US$23 million) in potential fraud losses. This achievement highlights the success of the company's "All-in-AI" strategy and its third-generation AI fraud detection technology in strengthening credit-risk management. Yiren Digital plans to offer this advanced platform as an exportable service to other financial institutions and fintech companies.