During the sharing session of the "Digital Finance" forum, Darrell Lua, Director of International Business at SY Holdings, addressed the topic of "AI and Data Empowering the Development of SMEs." He pointed out that enterprises naturally generate supply chain data—such as order processing, logistics and transportation, payment settlements, and performance evaluations—in their daily operations. Therefore, the key to addressing the financing challenges faced by SMEs lies not in the absence of data, but in the ability to leverage cutting-edge technologies to transform this data into credible evidence for the financial sector. By applying AI technology to deeply correlate, cross-verify, and dynamically analyze fragmented data, SY Holdings accurately maps the operational trajectories and transaction profiles of SMEs. This differentiated "transaction-focused, entity-light" model, which prioritizes transactions over corporate entities, effectively overcomes the reliance of traditional financial services on corporate creditworthiness and collateral. Through the deep integration of AI and data, SY Holdings enables finance to "understand" the actual operational needs of SMEs and provides them with more precise and suitable working capital solutions.
Regarding the working capital needs of emerging scenarios such as live-streaming e-commerce, Darrell Lua further shared SY Holdings' practical applications of AI. He emphasized that the integration of AI and finance should go beyond mere "speed" and achieve a synergy between "velocity" and "understanding"—specifically, a deep comprehension of industrial ecosystems and data. Rather than simply developing new AI agents and risk control models, SY Holdings empowers AI with the ability to "understand" multidimensional real-world information, covering logistics trajectories, tax and invoice records, and even external variables like weather forecasts. This extends the risk assessment model to "dynamic scenarios," as risks may lurk not only in static reports but also in delayed port shipments, supply chains disrupted by heavy rain, or suddenly adjusted policies. By focusing on "the transaction itself" as the core assessment criterion and leveraging cross-verified data from multiple supply chain nodes for dynamic control, SY Holdings ultimately provides "end-to-end, minute-level" working capital services for live-streaming e-commerce merchants. To date, the company has helped over 21,000 SMEs secure over RMB 300 billion in order acquisition and working capital turnover. The value of integrating AI with finance lies not in replacing humans but in enabling trust to transcend boundaries and continuously amplify.
When discussing linkages and collaboration with financial institutions, Darrell Lua emphasized that SY Holdings consistently adheres to a platform-based strategy, committed to building a bridge for the intelligent matching of high-quality assets and diverse funding sources. Currently, the platform has connected with over 190 funding partners. He expressed SY Holdings' expectation to strengthen collaboration with financial institutions in two key areas: First, enhancing the supply of scalable, low-cost inclusive funding by leveraging the SY Cloud Platform's ability to accurately identify genuine corporate financing needs, thereby helping more SMEs efficiently access working capital services. Second, promoting the deep integration of risk control models and ecosystem resources by combining the mature credit assessment systems of financial institutions with SY Holdings' "transaction-focused, entity-light" risk control logic to jointly serve SMEs segments that are traditionally underserved by conventional finance. Additionally, SY Holdings aims to leverage financial institutions' extensive service networks, cross-border business experience, and diverse customer resources to further expand into domestic underserved markets and international markets such as Southeast Asia, extending the platform's technology services to broader domains.
It is worth noting that SY Holdings has initiated its global layout this year, increasing R&D investments in innovative technologies such as AI agents to build a new "AI + International Supply Chain Technology Platform." This platform will focus on serving SMEs across global supply chain ecosystems, providing one-stop solutions encompassing supply chain services, financing, FX management, and digital operation empowerment, with the goal of becoming an integral component of the global supply chain.
SY Holdings' reappearance at the Hong Kong FinTech Week attracted attention from financial institutions and technology enterprises worldwide. It not only demonstrated the company's comprehensive capabilities in digital finance and technology output but also reflected its strategic determination to use Hong Kong as a bridgehead to connect global innovation resources and expand into international markets. This further advances its mission to "empowering Chinese SMEs to reshape the global supply chain."
