In the "iResearch Vendor Insight: Research and Vendor Assessment Report on China's Financial Intelligent Agent Development (2025)" published by iResearch Consulting, Ant Digital has been recognized as a comprehensive leader. At present, policies are actively promoting the establishment of a "Technology-Industry-Finance" circular ecosystem. It is anticipated that by 2028, the financial technology market will surpass 650 billion yuan, with financial intelligent agents emerging as a vital pillar for the digital and intelligent transformation of financial institutions.
Ant Digital's core strength stems from its "finance-native" heritage, which provides distinct advantages in key business scenarios. Its technological framework is groundbreaking, characterized by a distinctive "four-workshop" engineering architecture. The self-developed financial reasoning large model, Agentar-Fin-R1, outperforms several mainstream open-source models in benchmark tests.
From a business model perspective, Ant Digital is pioneering the RaaS (Risk-as-a-Service) model, enabling risk-sharing and revenue-sharing through a "pay-for-performance" mechanism. Its practical application outcomes are impressive, having significantly enhanced business metrics for institutions such as Shanghai Bank and Ningbo Bank.
The report forecasts that by the end of 2028, 80% of financial institutions will deploy at least one intelligent agent tool, and over 35% of financial intelligent agent applications will achieve large-scale implementation, marking the industry's entry into a phase of rapid scale expansion.