Zhuhan Wang's questions to Lexinfintech Holdings Ltd (LX) leadership • Q4 2024
Question
Zhuhan Wang of CICC inquired about Lexin's business plan for 2025 and its strategy regarding artificial intelligence, including the specific applications of its DeepSeek and proprietary Singularity models.
Answer
CEO Jay Xiao outlined that the 2025 strategy prioritizes asset quality, profitability enhancement, and stable growth. He detailed that Lexin was an early adopter of the DeepSeek model and has developed its own proprietary large financial model, Singularity AI. This technology is already embedded in core operations like telemarketing, customer service, and collections to boost efficiency. Future plans involve intensifying investment in AI to further enhance risk management capabilities and optimize processes across all business segments.