LexinFintech Crowned “Best AI Technology for Financial Technology Company in China” at Prestigious Asian Banker Awards 2025

BEIJING, China – June 27, 2025 – In a resounding affirmation of its pioneering advancements in artificial intelligence, LexinFintech Holdings Ltd. (NASDAQ: LX) has been honored with the highly coveted “Best AI Technology for Financial Technology Company in China” award at The Asian Banker Awards 2025. The prestigious ceremony, held during The Future of Finance China 2025 event in Beijing, recognized LexinFintech’s groundbreaking innovations in AI large models and agent-based automation, solidifying its position as a leader in the evolving landscape of Chinese fintech.

Often heralded as the “Oscars” of the Asia-Pacific financial sector, The Asian Banker Awards are renowned for their rigorous, multi-round evaluation process conducted by an international panel of experts, including bankers, consultants, and academics. LexinFintech’s win marks its seventh consecutive year of recognition by The Asian Banker, underscoring a consistent commitment to technological excellence and innovation. This year’s accolade specifically highlights the company’s profound impact on enhancing operational efficiency, mitigating risk, and driving business growth through sophisticated AI applications.

Erwin Lu, CTO of LexinFintech, speaking at a roundtable discussion on “Finance in the era of pervasive AI” during the summit, elaborated on the company’s strategic vision and implementation of cutting-edge AI trends. “AI is not meant to replace people, but to significantly enhance employee efficiency,” Lu emphasized, outlining LexinFintech’s commitment to augmenting human capabilities through intelligent systems. This philosophy underpins their approach to integrating AI seamlessly into their workforce, creating a powerful synergy between human expertise and machine intelligence.

A cornerstone of LexinFintech’s award-winning strategy is the development of its proprietary, financially adaptive AI agents. These agents, built upon advanced reinforcement learning algorithms and a specialized financial knowledge distillation framework, are already transforming various aspects of the digital lending lifecycle. From supporting pre-loan strategy generation and validation to enabling automated post-launch monitoring, these AI agents are streamlining complex processes and enhancing decision-making with unprecedented precision. The company plans to deploy 100 “AI agent positions” within the year, encompassing roles such as AI customer service quality inspectors and AI data analysts, further integrating AI into its operational fabric. This strategic deployment demonstrates a clear roadmap for leveraging AI to automate routine tasks, free up human capital for more complex problem-solving, and ultimately drive greater productivity.

Beyond agent-based automation, LexinFintech has also made significant strides in leveraging large AI models. The company stands among the earliest financial platforms in China to deploy and actively utilize DeepSeek, a testament to its forward-thinking approach. By employing a “data distillation + domain-specific fine-tuning” technical framework, LexinFintech has iteratively refined its locally deployed “Singularity” AI large model. This powerful model is being applied across a spectrum of internal functions, notably in boosting R&D productivity and enabling business operations. As an illustrative example, the “Singularity” AI model has assisted in generating an astounding 860,000 lines of code per month and proposed 210,000 code-quality improvement suggestions over the past year, effectively doubling engineers’ code-writing efficiency. This level of impact on R&D is not merely incremental; it’s a transformative shift that allows LexinFintech to accelerate product development and maintain a competitive edge in a rapidly evolving market.

The pervasive integration of AI technology at LexinFintech extends across its entire digital lending ecosystem, encompassing crucial stages such as marketing and user acquisition, risk control, and post-loan management. Key innovative tools developed by the company include the “Gauss” customer data platform, designed for standardized data asset management, and the “Riemann” anomaly attribution system, which provides intelligent analytics for real-time risk diagnosis. Furthermore, the “Turing” simulation engine supports smart decision-making, while an AI-powered platform automates risk strategy recommendations. These deep-rooted technological capabilities have demonstrably contributed to consistent business improvements. By automating and enhancing these critical functions, LexinFintech has created a more robust, efficient, and secure lending environment.

The financial results for the first quarter of 2025 bear witness to the tangible impact of LexinFintech’s AI-driven strategy. The company reported a significant increase in non-GAAP EBIT to RMB 580 million, marking the highest level in the past 13 quarters. This strong financial growth is underpinned by a continuous quarter-on-quarter decline in overall credit risk and a steady improvement in profit margins, directly attributable to the enhanced efficiency and precision afforded by its advanced AI systems. The ability to mitigate risk more effectively and optimize operations through AI has translated directly into a healthier bottom line, demonstrating the real-world value of their technological investments.

LexinFintech’s enduring success and repeated recognition by The Asian Banker underscore its commitment to not just adopting, but actively shaping the future of financial technology in China. The company’s strategic investment in AI is poised to accelerate deployment in core areas such as refined operations, and employee productivity, driving the business towards even smarter, more data-intelligent, and high-quality growth in the years to come. As the financial industry continues its rapid digital transformation, LexinFintech’s leadership in AI technology serves as a compelling blueprint for innovation and sustainable success, setting a high bar for other players in the sector. Their continued pursuit of AI advancements positions them not just as a market leader, but as a key architect of the next generation of financial services.