ChinaFinance and insurance2025 – ongoingYiren Digital
DiTing credit-decision platform and Hawkeye fraud detection
Yiren Digital said its AI fraud framework intercepted 10,300 fraudulent borrowers and avoided about RMB165 million in losses in 2025
Problem
An online lender faces fraudulent borrowers, forged documents and organised black-market operations.
Approach
Yiren Digital runs the DiTing decision platform, which applies AI models to credit reports, user behaviour and other authorised data. The Hawkeye system uses past fraud cases and feedback to update screening rules and creates work orders for fraud specialists. Document and identity-verification tools sit alongside them. Specialists review higher-risk cases.
Results
Takeaway
The lender paired automated screening with human review of higher-risk cases and reported its own loss-avoidance estimate.
Categories
- Industry
- Finance and insurance
- Business function
- Finance, risk and legal
- Innovation type
- Process innovation
- AI technology
- Predictive analytics and ML
- Adoption
- Built in-house
- Evidence
- Company's own claim
Sources
Source summaries
Company press release describing the DiTing platform and the Hawkeye system. It reports 10,300 fraudulent borrowers intercepted across 14,500 cases in 2025 and about RMB165 million in avoided losses. It adds that DiTing screens about 30,000 risky credentials a day and that specialists handle higher-risk cases.
Full details are in the original sources.