joining this today. is work that Hello, everyone. pleased yielded we us share Autumn of Thank results a remarkable harvest, our has to hard are and quarter. for you season
efficiency. risk the initiatives substantial in XXXX, we have operational prudent operations, led adhered have Since QX. metrics our optimizing and risk start record improvements and boosting a in strategy to performance to of of These profitability
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launched a for have program with partner. this We already pilot institutional solution an
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been user achieved both empower Copilot As the our rate collection user models information business enabling for scenarios, system, of XX.X% promptly language identification on a accuracy our key company, This collection. we team more and to AI AI call pinpoint deployed various committed of across our critical and a and using in tech-driven efficiency. operational case XX.X% including follow-up information are experience AI an improve loan cases. rate collection We to system and Copilot information upgraded effectively and extraction has large tracking, and efficiency-focused
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market financial Since QX, economic monetary high-quality vitality consumption consumer confidence, the services and balancing support drive a while [indiscernible] credit institutions also consumption to out boost At and consumption. growth. funding scenarios guidelines various scenarios encouraging deeper government the levels of has [indiscernible] time, to policies have key rolled increased potential, promote The unleash consumption optimize books, differentiation services to strengthen sustainability. business guidelines, and experience, issued for drive and same of government credit the consumer integration enhance and provide fiscal risk
made platform by and regulatory are become progress business core significant in and fintech indicating rectification robust business of one largely Recently, that leading its significant regulators diversified After optimization, the our has industry stabilizing. that year broader acknowledge trends fintech value of a more has bolstered process, strategic models partnerships.
in repurchase for income net one repurchase X, to the Chinese optimize capital and total ahead market our has ratios XXX cautiously to ADRs start we XXXX, a we that We of our completed share repurchase are the achieve high-quality about year, million executing our highest our share among further a million anticipate While we USD Board shareholder new pace the of outlook, of ability returns allocation plan XXX% enhance USD optimistic approach this on set XXXX in This the of long-term confident having at economic January growth. majority XXX remain will shareholder payout year, returns, to XXXX. significantly already approved of expectations. plan plan
our We are that price undervalued. share confident future about the and our of remains believe company
to the X As share our continue further our up count buyback reduce and such, over have to years. we decided efforts share scale next
and Going to efficient repurchases committed remain value we capital substantial through creation allocation shareholder dividends. and forward,
will now I turn that, Alex. call over With the to
