The Proliferation of Fraudulent Methods
In financial risk control, one of the primary challenges is the diversification and complexity of fraudulent methods. With the advancement of AI technology, illicit activities are continuously evolving. The widespread adoption of AI-generated content (AIGC) has significantly reduced the costs associated with techniques like deepfake and voice manipulation, leading to the emergence of new forms of fraud. For instance, some intermediaries use AI to assist borrowers in evading debt, such as answering bank collection calls on behalf of borrowers, making it extremely difficult to identify the genuine borrower. This phenomenon forces financial institutions to develop faster and more accurate algorithms to combat these new fraudulent methods.
The Complexity of Organized Crime
Organized crime is another challenge in financial risk control. As organized criminal methods become increasingly sophisticated, traditional risk control methods relying on structured data (e.g., phone numbers, addresses, GPS) are becoming less effective. For example, some intermediaries concentrate loan applications at fixed locations, leading to scenarios where background information is similar, and GPS data is highly clustered, rendering traditional risk control measures powerless. To address this, New Hope Fintech has developed a multimodal relationship network that not only relies on structured data but also integrates various dimensions such as background images, ID card backgrounds, facial recognition, voiceprints, and microexpressions to more accurately identify organized criminal activities.
Preventing AI Attacks
With the development of AIGC technology, preventing AI attacks has become a new challenge in financial risk control. AI technology is not only used to generate fake content but also to test the defenses of bank credit products. For example, some customers attempt to use fake facial data to attack bank credit systems. In this scenario, preventing AI attacks has become a critical issue for financial institutions. New Hope Fintech has enhanced its ability to prevent AI attacks by developing advanced liveness detection technology that combines eyeball detection, image background analysis, portrait analysis, and voiceprint comparison, among other multi-factor authentication methods.
Innovative Applications of AI Technology and Cost Control
Improving Model Performance and Utilizing Unstructured Data
Current credit models primarily rely on structured features, and the extraction of these features is limited. Unstructured data, such as images, videos, audio, and text, contains a wealth of high-dimensional effective features, and effectively extracting, converting, and incorporating these into models is key to improving model performance. New Hope Fintech's exploration in this area includes combining features such as wearable devices, disability characteristics, professional attire, high-risk background characteristics, and coercion features with structured features, significantly improving model performance. This not only enhances the interpretability of the model but also significantly increases the accuracy of risk control.
Refined Risk Control and Real-Time Interactive Risk Control
Facing complex fraudulent behaviors, New Hope Fintech has developed a refined large risk control model that effectively intercepts both common and new types of fraud. These models can be quickly fine-tuned based on large models to generate small models suitable for specific types of attacks, thereby improving the efficiency of risk control. Additionally, real-time interactive risk control systems are another innovation. By interacting with users through digital humans, analyzing conversation content, and conducting multidimensional fraud analysis using images, videos, voiceprints, etc., they can effectively verify the borrower's true intentions and identity. This technology combines AI image, voice, and NLP algorithms from multiple fields. Although the team had limited experience in this area, through continuous exploration and technological breakthroughs, they successfully implemented this system.
Exploring Large Models and Small Sample Modeling Capabilities
New Hope Fintech has solved the problem of insufficient negative samples in financial scenarios through the application of large models. For example, large visual models can learn and master a vast amount of image information in the financial field (such as ID cards, faces, property certificates, marriage certificates, etc.) and quickly fine-tune them to generate small models that adapt to new attack methods in new tasks. This approach greatly improves the speed and accuracy of responding to new types of fraud.
Comprehensive Utilization of Multimodal Technology
In response to complex fraudulent methods, New Hope Fintech adopts multimodal technology, combining voice, images, and videos for verification. For example, through real-time interaction with users via digital humans, they analyze multiple dimensions such as images, voice, environment, background, and microexpressions to verify the user's identity and loan intent. This multimodal technology strategy significantly enhances the accuracy of risk control, ensuring that financial institutions have stronger defenses against new types of fraud.
Transformation and Innovation in Financial Anti-Fraud with AI Technology
AI technology, particularly large model technology, is bringing profound transformations to financial anti-fraud. New Hope Fintech's innovative applications are primarily reflected in the following areas:
Application of Non-Generative Large Models
The application of non-generative large models is particularly important in financial anti-fraud. Compared to generative large models, which are used to create fake content, non-generative large models can better enhance model development efficiency and address the problem of insufficient negative samples in production scenarios. For instance, large visual models can quickly learn basic image features and, through fine-tuning with a small number of samples, generate small models suitable for specific scenarios. This technology not only improves the generalization ability of models but also significantly reduces the time and cost of model development.
Development of AI Agent Capabilities
The development of AI Agent technology is also a key focus for New Hope Fintech in the future. Through AI Agents, financial institutions can quickly realize some AI applications, replacing manual tasks with repetitive tasks such as data extraction, process handling, and report writing. This not only improves work efficiency but also effectively reduces operational costs.
Enhancing Language Understanding Capabilities of Large Models
New Hope Fintech plans to utilize the language understanding capabilities of large models to enhance the intelligence of applications such as intelligent outbound robots and smart customer service. Through the contextual understanding and intent recognition capabilities of large models, they can more accurately understand user needs. Although caution is still needed in the application of content generation, large models have broad application prospects in intent recognition and knowledge base retrieval.
Ensuring Innovation and Efficiency in Team Management
In team management and project advancement, New Hope Fintech ensures innovation and efficiency through the following strategies:
Burden Reduction and Efficiency Improvement
Team members are required to be proficient in utilizing AI and tools to improve efficiency, such as automating daily tasks through RPA technology, thereby saving time and enhancing work efficiency. This approach not only reduces the burden on team members but also provides time assurance for deeper technical development and innovation.
Maintaining Curiosity and Cultivating Versatile Talent
New Hope Fintech encourages team members to maintain curiosity about new technologies and explore knowledge in different fields. While it is not required that each member is proficient in all areas, a basic understanding and experience in various fields help to find innovative solutions in work. Innovation often arises at the intersection of different knowledge domains, so cultivating versatile talent is an important aspect of team management.
Business-Driven Innovation
Technological innovation is not just about technological breakthroughs but also about identifying business pain points and solving them through technology. Through close communication with the business team, New Hope Fintech can deeply understand the pain points and needs of frontline banks, thereby discovering new opportunities for innovation. This demand-driven innovation model ensures the practical application value of technological development.
Conclusion
New Hope Fintech has demonstrated its ability to address challenges in complex financial business scenarios through the combination of AI technology and financial risk control. By applying non-generative large models, multimodal technology, AI Agents, and other technologies, financial institutions have not only improved the accuracy and efficiency of risk control but also reduced operational costs to a certain extent. In the future, as AI technology continues to develop, financial risk control will undergo more transformations and innovations, and New Hope Fintech is undoubtedly at the forefront of this trend.
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