At the Singapore FinTech Festival 2025, FinVolution presented a new vision of AI in finance, one in which machines do more than predict risks.
SINGAPORE, November 12, 2025 /PRNewswire/ — At the Singapore FinTech Festival 2025, FinVolution Group Vice Chairman Lei Chen painted a vivid picture of finance being transformed by artificial intelligence.
From risk prediction to reasoning for complex decisions, his insights have shown how AI is evolving from a predictive tool to a true strategic partner, reshaping the way institutions approach credit, fraud prevention and customer engagement.
Speaking in a speech titled “AI-Driven Financial Evolution: Beyond Predictions”, Chen emphasized that the AI era in finance is no longer just about automation; it’s about creating intelligent, secure, and transparent systems that collaborate with humans to enable smarter, more responsible decisions.
He noted that AI has entered a new phase in the financial sector, moving from a prediction tool to a robust collaborator capable of reasoning, understanding context and engaging in complex decision-making.
This transformation is redefining not only the financial ecosystem but also the relationship between technology and humanity. “The essence of AI in finance is not just about making smarter predictions,” Chen said. “It’s about enabling machines to think, reason and collaborate responsibly.”
In the early years, AI in finance was mainly used for forecasting, detecting patterns, predicting credit risks and optimizing loans. Today, AI is moving toward reasoning, allowing systems to answer not only “what will happen,” but also “why this is happening” and “what actions might follow.”
Chen described this as a shift from automation to collaboration, an evolution from pattern recognition to decision intelligence. Through domain-specific reasoning, adaptive learning, and model alignment, financial AI systems can now simulate decision-making while maintaining explainability and compliance.
“This marks the transformation from ‘AI for Support’ to ‘AI for Partnership,'” Chen explained. “The line between who is human and who is AI is blurring – creating hybrid, transparent workflows that integrate machine logic with human judgment.”
Such human-AI integration enables institutions to provide faster, fairer and more inclusive financial services. At FinVolution, these capabilities already extend to customer service, credit scoring and risk monitoring, enabling more efficient decision-making processes and empowering millions of underserved consumers.
Chen also emphasized that as AI evolves, security must evolve with it. The rise of generative AI has opened the door to voice cloning, identity fraud and deepfake manipulation, introducing new levels of systemic risk.
“These challenges push us to innovate even faster, creating technology that can distinguish fact from fiction with increasing precision,” he said.
To address this issue, FinVolution has deployed multi-modal anti-spoofing technologies that integrate visual, voice and behavioral biometrics to detect complex fraud attempts in real-time. The company also leads industry-wide collaborations to develop common security standards, promoting transparency and accountability across the financial ecosystem.
This aligns with Chen’s call for cross-sector engagement to strengthen AI governance across an ecosystem including regulators, academia and industry stakeholders.
Human-AI integration
Chen described human-AI integration as the defining feature of the next frontier in digital finance. Traditionally, humans made the final decisions while machines did the pre-screening. But as AI gains greater reasoning ability and multimodal understanding, it becomes an extension of human capabilities. Under the human-AI symbiosis, machines amplify human insight and humans guide the integrity of machines.
“In customer service, AI agents are no longer just assistants; they act like colleagues, even digital twins of human agents,” Chen said.
In FinVolution’s operating model, AI agents handle complex, time-consuming tasks – from identifying subtle fraudulent behavior to managing multilingual customer interactions – while humans provide ethical oversight and empathy. Together, they form a continuous learning loop that combines precision and sensitivity.
At FinVolution, its proprietary E-LADF large model development platform combines with the Zeta agent innovation platform, enabling AI to support key areas such as code generation, marketing, risk control and customer operations.
This hybrid model relies on the integration of large general models and smaller domain-specific models, ensuring that financial decisions are both contextually intelligent and operationally accurate. “In finance, large models can understand intent, but small models detect subtle fraud patterns, such as facial micro-expressions used to fool recognition systems,” Chen noted.
Such an architecture allows AI to scale responsibly while maintaining the depth and control required in high-stakes financial applications.
Chen emphasized that the success of smart finance will ultimately depend not only on technological prowess, but also on accountability. The ethical design of AI must remain the cornerstone of financial innovation.
“In smart finance, speed and scale matter, but accountability defines success,” Chen concluded. “AI must drive innovation while preserving fairness and security. Only then can the financial sector achieve sustainable and inclusive growth.”
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SOURCE FinVolution Group
