China AI:Chinese Fintech more Advanced than US peers in LLM adoption (Part 1)

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As large scale native LLM monetization remains barely visible, market has been searching for industries that could incorporate AI in their key workflows with meaningful financial benefit. Advertising is generally viewed as the key AI beneficiary vertical, given how AI is integral with the core business model. Our research suggests online personal loan industry could be another key AI beneficiary. In this report, we would demonstrate how Chinese online personal loan platforms are applying LLM throughout the workflow with already visible rewards.

The White House has been increasingly vocal about the potential delisting of Chinese stocks from U.S. exchanges, making it very challenging to invest in Chinese technology companies. However, if the delisting risk is resolved, many companies could become investable. In comparison, companies like Upstart, Affirm, and Klarna have not progressed as quickly as their Chinese counterparts, but they will also start using LLMs (Large Language Models) to improve their businesses in the future. This will undoubtedly become a part of their growth narrative going forward.

Key findings include: