Yixin (02858) Appears at 2026 IT Value Summit, "Human-Centered Long-Horizon Agent" Reshapes Automotive Finance AI

On September 16, Zhang Lei, Chief AI Scientist and Senior Vice President of Yixin (02858), attended the 2026 IT Value Summit Digital Value Annual Conference hosted by TMTPost, where he systematically elaborated for the first time on the new AI paradigm of "Human-Centric Long Horizon Agent," and shared the large-scale implementation results of the Agent intelligence revolution across the entire automotive finance chain. Through this, Yixin has provided the industry with a new development path for AI to leap from an auxiliary tool to intelligence-native. Zhang Lei, Chief AI Scientist and Senior Vice President of Yixin The IT Value Summit is a long-standing and highly prestigious technology event in China's enterprise-level digitalization field. This year's conference focused on "systematic implementation of AI," with the discussion emphasis upgraded from "whether the technology is usable" to "how AI applications can be implemented, how industries can organize, and how value can be realized." On this topic, as an AI innovator deeply engaged in the automotive finance sector, Yixin has considerable authority to speak. In his speech, Zhang Lei pointed out that automotive finance is a typical business requiring complex decision-making along long chains. From customer admission, material submission, approval, solution matching, delivery and contracting, to asset management, it exhibits characteristics such as long task spans, cumbersome processes, difficult dynamic decision-making, and strict compliance controls. Therefore, a long-horizon agent truly suited to industry needs cannot be limited to "completing a single task with fixed steps," but must engage in long-cycle interaction with customers whose states continuously change, centered around clear business objectives. "In enterprise-level scenarios, what truly matters is not 'more steps,' but long-horizon interaction after a given business objective, continuously facing a person who changes." Based on this judgment, Yixin proposed the new AI paradigm of "Human-Centric Long Horizon Agent." This system is collaboratively composed of a human understanding model, a vertical domain model, and Harness engineering. Among them, the human understanding model continuously builds models to understand customers' car purchase intentions, budgets, trust levels, and purchase decisions, and is key to improving agent effectiveness; the vertical domain model deeply adapts to automotive finance rules and dynamically optimizes communication and service strategies around business objectives; Harness engineering connects the full-chain data loop, supporting real-time seamless switching between agents and human staff within the same order flow. When the model experiences "hallucinations" or non-compliant commitments, the system can trigger circuit-breaking and governance strategies at the millisecond level and switch to a manual chain, balancing efficiency and risk control. Zhang Lei emphasized: "Intelligentization of automotive finance is not about letting AI replace people, but about letting AI better understand people and better understand the business, continuously creating value within the boundaries of safety and compliance." This AI system has already achieved large-scale implementation across Yixin's entire business chain. As of the end of June 2026, Yixin had deployed 45 agents in real business scenarios, covering core areas such as marketing, risk control, approval, and customer service, processing an average of 230,000 tasks per day, achieving 90% of business processes autonomously driven by automotive finance Agentic AI, and improving overall operational efficiency by 45.4%. It is reported that its AI can currently independently follow up with the same customer for more than 20 days, with a single task continuously executing for more than 16 hours, making long-cycle customer service a reality. Zhang Lei stated that as an AI-driven fintech platform, Yixin's innovative achievements not only serve its own business, but also emphasize technology empowerment, actively providing one-stop AI intelligent solutions to upstream and downstream industry partners. As the industry shifts from scale-driven to placing equal emphasis on efficiency and compliance, Yixin will continue to promote the implementation of the "Human-Centric Long Horizon Agent" in more scenarios, providing a replicable model for the industry's intelligent transformation and helping automotive finance move toward higher-quality and more sustainable development.