Qifu Technology, Inc ADR Class A (QFIN.US) attended the opening ceremony of the 2026 Shanghai Lujiazui Finance & Trade Zone Development Forum: AI + Going Global. Chinese financial technology is now facing a historic opportunity.

The 2026 Shanghai Lujiazui Finance & Trade Zone Development Forum was held in Shanghai from June 17th to 18th. The theme of this forum was "Financial Development and Cooperation under Global Governance Initiatives: New Vision, New Challenges, and New Opportunities", focusing on topics such as financial openness and cooperation, technological innovation, and inclusive finance. As a practitioner in the financial technology field, Qifu Technology. Inc ADR Class A (QFIN.US) was invited to attend the opening ceremony of the forum. The two main themes of this year's conference - "Technological Innovation Empowering High-Quality Financial Development" and "Enhancing the Effectiveness and Accuracy of Inclusive Finance" - not only provided direction for industry innovation but also served as the fundamental principles for Qifu Technology. Inc ADR Class A's exploration and practice. Qifu Technology. Inc ADR Class A stated that the current era is one where opportunities and challenges coexist, with opportunities outweighing challenges. While industry compliance requirements continue to rise, the greater opportunity lies in the AI-driven infrastructure upgrades that are rapidly transitioning the financial industry from digitization and mobilization to AI and intelligence. Qifu Technology. Inc ADR Class A pointed out that AI capabilities have evolved from question-and-answer models to intelligent agents that can help people complete tasks rather than just answer questions. The transformation brought about by AI goes beyond increasing productivity and will change the operating methods and production relationships of organizations. In this process, the value of data is also being redefined. In the AI era, data is transitioning from a business byproduct to a core asset. At the same time, long-accumulated operational and risk management experience is being transformed into model-based AI capabilities, with the integration of data assets and capability models becoming Financial Institutions, Inc.'s new core competitive advantage. This change is particularly evident in the field of inclusive finance. Qifu Technology. Inc ADR Class A explained that there are currently 25.7 million implicit micro-entrepreneurs in China who are often difficult to identify within traditional financial systems. The reason why Qifu Technology. Inc ADR Class A is able to "see" them is because they have accumulated ten years of behavioral data, transaction characteristics, and operational trajectories. Accurate identification leads to precise risk management, which in turn leads to precise pricing. As risk identification capabilities continue to improve, more users will receive financial services that match their risk levels. While deeply cultivating the domestic inclusive finance sector, Qifu Technology. Inc ADR Class A is also actively expanding into overseas markets. The current era of financial technology is seeing the convergence of the opportunities of AI and going global, with Chinese enterprises possessing AI capabilities having a significant competitive advantage in the financial technology overseas market. Qifu Technology. Inc ADR Class A believes that technological advantages must be translated into financial services, with the prerequisite being a deep understanding of each market's compliance requirements, infrastructure, and user habits. Different markets have different conditions, but what remains the same is that the capability and technological barriers established by Chinese companies today have significant advantages in these markets, allowing them to surpass the performance of local companies in a shorter period of time. Therefore, they are confident in the prospects of going international. Qifu Technology. Inc ADR Class A stated that they will continue to promote deep integration of AI and financial business, prioritize technological innovation and steady development, continuously improve financial service efficiency and accuracy, and contribute more to the high-quality development of finance and the construction of inclusive finance in the future.