Newland Guotong Xingyi Unveils the Industry’s First AI Model Tailored for Payments

HANGZHOU, China – September 24–26, 2025 – At the 2025 Apsara Conference hosted by Alibaba Cloud, Newland Guotong Xingyi (Fujian), an AI strategic partner of Alibaba Cloud, introduced the Merchant Business Scenario Identification Model, the first AI large model purpose-built for the payment industry. The company demonstrated its full-stack AI capabilities from large models to intelligent agents, highlighting how “Payments + AI” can unleash new productivity across digital commerce.

As a key bridge between the financial system and the real economy, the payments industry is undergoing a major shift toward intelligent transformation. As one of China’s leading third-party payment providers, Newland Guotong Xingyi continues to enhance its “Payments + AI” capabilities by fine-tuning large models to improve recognition accuracy and response speed. The launch of its proprietary Merchant Business Scenario Identification Model further strengthens the technical foundation of AI-driven payments, offering a replicable innovation framework for the industry’s intelligent upgrade.

Based on this large model, the company has independently developed its LLMOps platform and a suite of AI agents, including XiaoYi Miaoda, AI Business Insight, AI Merchant Review Assistant, and AI Marketing Assistant. These intelligent tools help merchants manage operations, analyze data, streamline onboarding, and enhance marketing creativity. Building on these applications, Newland is also developing an MCP Hub for the payment sector—an open ecosystem that connects SaaS developers, payment aggregators, banks, and merchants through Alibaba Cloud’s Dianjin platform, enabling AI capabilities to reach every layer of the payment value chain.

At the conference, Newland also showcased its integrated AI Infrastructure (AI Infra), combining the proprietary large model, LLMOps platform, financial cloud, and data flywheel to form a closed loop of “data–model–business–data.” The Merchant Business Scenario Identification Model, built on Alibaba Cloud’s Qwen series and trained on Newland’s extensive payment data, applies supervised fine-tuning and knowledge distillation techniques to achieve lightweight deployment. It rapidly understands payment industry knowledge, accurately interprets merchant behavior, and supports complex reasoning and stable full-chain payment operations.

The LLMOps platform acts as a bridge between foundational AI capabilities and industry applications, serving as an enterprise-grade agent factory designed for the payment industry. It supports multi-model integration, low-code drag-and-drop development, and unified workflow orchestration, lowering the barriers to AI application development and enabling broader participation from business teams. This approach helps accelerate the adoption of AI in real-world payment scenarios.

Throughout the exhibition, Newland’s interactive booth attracted significant attention as visitors experienced its AI-powered applications firsthand. From the millisecond response capabilities of XiaoYi Miaoda and the intelligent data analytics of AI Business Insight to the compliance automation of AI Merchant Review Assistant and the creative power of AI Marketing Assistant, Newland demonstrated how AI agents are transforming the entire payment service chain into a more intelligent, efficient, and human-centric experience.

By showcasing its achievements at the 2025 Apsara Conference, Newland Guotong Xingyi reaffirmed its commitment to integrating AI deeply into the payment ecosystem. Going forward, the company will continue to strengthen its strategic collaboration with Alibaba Cloud and foster an open AI innovation environment—empowering digital commerce, making payments more valuable, and helping businesses operate with greater intelligence and ease.