Randy Vellachan's questions to X Financial (XYF) leadership • Q2 2025
Question
Randy Vellachan of NPS Trading inquired about X Financial's perceived shift in priority from loan growth to asset quality and the potential for leveraging artificial intelligence to improve operational leanness.
Answer
President Ken Li clarified that asset quality has consistently been the top priority and the company maintains its annual growth outlook. He also confirmed that X Financial already utilizes AI in client management and plans to expand its use to reduce future costs. Chief Financial Strategy Officer Noah Kaufman added that a recent investor deck details their current AI initiatives.