ZhongXinBaiXinYinHang

Overview

Baixin Bank is China's first direct bank operating as an independent legal entity, jointly established by CITIC Bank and Baidu. It deeply integrates artificial intelligence and big data technologies, committed to providing users with fully online, intelligent, and inclusive digital financial services. As an AI-driven bank, Baixin Bank deploys machine learning models across risk control, customer service, and product recommendation, achieving second-level approvals, 7x24 intelligent customer support, and personalized wealth management solutions for every user.

Its products cover core banking services including deposits, loans, wealth management, and payments, all accessible through a mobile app. The intelligent risk control system analyzes massive data in real time to effectively reduce fraud risks; the AI wealth management assistant automatically allocates asset portfolios based on users' risk preferences and financial goals. Additionally, Baixin Bank offers open API interfaces, providing fintech solutions for enterprises and developers.

Whether for personal daily savings, consumer credit, or financing needs of small and micro businesses, Baixin Bank lowers barriers and improves efficiency through AI technology, truly making finance accessible to everyone.

Core capabilities

Smart account opening

Face recognition + ID card OCR enables online account opening in just 3 minutes

AI risk control

Real-time credit risk assessment with loan approval in as fast as 1 second

Intelligent customer service

NLP accurately understands queries and provides 24/7 support

Personalized wealth management

Auto-recommends fund and deposit portfolios based on user profiles

Open banking API

Standard interfaces help enterprises quickly integrate financial services

Mobile payment

Supports QR code payments and transfers with zero fees

Smart billing

Automatically categorizes spending and generates monthly financial reports

Security protection

Liveness detection plus behavior analysis fully safeguards accounts

Use cases

Open a savings account online and enjoy deposit rates higher than traditional banks

Apply for a pure credit consumer loan for large expenses like home renovation or education

Use the AI wealth assistant for automated fund investing to steadily grow assets

Use intelligent customer service to check bills or reset passwords without waiting for an agent

Small businesses use open APIs to integrate payment collection and settlement systems

Spending is automatically recorded after daily purchases, with a consumption analysis report at month-end

Transfer across banks with zero fees and real-time arrival

After investment risk assessment, receive a customized fund portfolio