YIREN DIG. ADR/2 DL-,0001

Yiren Digital has introduced a company-wide AI operating model and a unified framework that enables reuse of modules, models and governance across business units. The architecture includes the large language models Zhiyu and Yizhi, the multi-agent platform MagiCube 2.0, the workflow engine XuanJi and the orchestration layer ZhiNao. AI is already productive in lending and insurance businesses and is being further rolled out to customer service, marketing, capital markets, risk management, compliance and research and development; capabilities are intended to be transferable to other areas without rebuilding the core models. » Plus sur de.investing.com

Yiren Digital has expanded the use of AI across its customer operations company-wide, including intelligent customer service, proactive customer communications, quality checks and workflow automation. The AI platform MagiCube 2.0 and the workflow layer XuanJi are driving the automation; the adoption rate is 98.7% and the autonomous problem-resolution rate is just under 80%. The voice assistant Fengchao processes about 1,500 hours of real-time speech-to-text daily with 97.8% recognition accuracy, a quality inspection agent checks more than 2 million sales records per day, and customer complaints fell by 35.97% in 2025 with 100% handled within 24 hours. » Plus sur de.investing.com

Yiren Digital reports operational improvements from using AI agents on the multi-agent platform MagiCube 2.0: manual intervention in receivables collection fell from 45.0% to 24.9% (-20.1 percentage points), and service tickets handled per employee rose from 358 to 525 (≈+47%). In 2025 AI agents handled 81% of service tickets on day one in collections (vs. 50% in 2024); agents are also used in later work stages. The voice agent Fengchao processes about 1,500 hours of speech-to-text per day, the marketing platform LingShu executes over 1,700 tasks daily, and the company plans to further expand agent-supported processes in its lending and insurance businesses. » Plus sur de.investing.com