On March 9 th, Zhu Guang, CEO of Du Xiaoman, said in a signed article that Du Xiaoman has been actively deployed in exploring the application of large model technology in the financial industry.
Large models can be divided into comprehensible large models and generative large models. In Zhu Guang’s view, the comprehensible big model raises the decision-making ability of customer management and risk control to a new height and reduces financial risks; Generative AI will focus on customers, reshape the customer service process and experience, and become an "always-on super financial consultant" and an "all-round business assistant". This means that big model technology is defining a new entrance to the industry.
It is reported that Du Xiaoman has developed a series of applications based on large models relying on Baidu artificial intelligence technology. Taking risk management as an example, Du Xiaoman has applied LLM, a large language model, to the interpretation of Internet text data and credit report. Through the pre-training model constructed with text data and AI algorithm, he can interpret the credit report into 400,000-dimensional risk variables and better identify the credit risk of small and micro business owners. With the iteration of the model, the potential of the large model in intelligent risk control will be further released.
The self-developed voice robot can realize multiple rounds of complex conversations, with a non-inductive rate of 99%, that is, 99% of users don’t know that it is actually a robot talking to themselves, which can replace more than 60% repetitive work in credit business, and is widely used in marketing and collection work of many financial institutions, which greatly reduces labor costs and also has certain emotional recognition ability.
ChatGPT’s semantic understanding ability is also the key investment direction of Du Xiaoman in the field of natural language processing (NLP). In 2021, in the document sorting task of MS MARCO competition held by Microsoft, the NLP team ranked first and set a new record; The XuanYuan pre-training model developed by the team also ranks first in the CLUE classification task.
Baidu’s generative dialogue product "Wen Xin Yi Yan" (English name: ERNIE Bot) based on Wen Xin big model technology opened up ecological cooperation, and Du Xiaoman became the first financial technology company to access it. Next, based on the large-scale model technology base of Wenxin, combined with the financial industry knowledge and data accumulated in Xiaoman’s business scenario, Xiaoman will create a brand-new intelligent customer service, intelligent risk control and intelligent interactive service.
Zhu Guang said that the big model technology like GPT is the core topic of the next generation AI technology contest, which will have a profound impact on the intelligence level and digitization level of the financial industry. Financial technology companies should seize the opportunity window of this technological change, actively explore the application and development of large-scale model technology, and help the financial industry realize the leap from digitalization to intelligence.
