On July 9-10, 36Kr held the "2019 WISE Super Evolver" conference simultaneously in Beijing and Shanghai. The event featured seven venues, focusing on topics such as the path of enterprise development and change, industry trends, the advancement and transformation of the retail industry, the rise of the trillion dollar enterprise service market, opportunities for industrial innovation, global trends, and the explosive logic of differentiated demands. Over a hundred industry leaders were invited to focus on the rise of super evolutionists who lead industry change.

In the era of mobile Internet, with the development of Internet finance, the financial needs of long tail consumers and small and micro enterprises, who account for about 60% -80% of China's population, are becoming increasingly prominent. Financial institutions generally face two problems when serving these long tail groups: a lack of data analysis talents in core risk control, and a disadvantage in online services.

As a third-party organization, Bingjian Technology hopes to use AI technology to help implement inclusive finance. Guan Guan, General Manager of the Strategic Cooperation Department and National New Finance Sales Department of Bingjian Technology, believes that the financial demand characteristics of the long tail population are small and high frequency, which is beneficial for data and algorithms. Only in such scenarios can there be enough samples for training and the model can be used to realize its value. Bingjian Technology can obtain the target variables required for a large number of samples through cooperation with financial institutions. At the same time, it can also integrate mobile Internet scenarios to help small and micro businesses and individuals conduct credit evaluation. This is also due to the rich data accumulated by non-financial institutions, individuals and small and micro enterprises in our country. No matter e-commerce, consumption, communication and geographical location, many are concentrated in mobile Internet and mobile phones. These data will be well applied in the context of inclusive finance in the future.