The site of "Internet plus" has just passed by, and the next station of "Artificial Intelligence+" is close at hand.

This year marks the beginning of the 15th Five Year Plan, and at the National People's Congress and Chinese People's Political Consultative Conference, "Artificial Intelligence (AI)+" was repeatedly mentioned by various sectors. Nowadays, AI is no longer just a technology researched in the laboratory, nor is it just a concept presented in the form of robots - it is poised to empower various industries and light up more dream "source code".

As an innovative pioneer in the fintech industry, Xiaoying Technology has established a development strategy of "empowering finance with technology" since its establishment. Over the years, it has continuously increased investment in technology research and development, contributed actively to building a healthy and orderly fintech ecosystem, continuously injected positive momentum, and taken it as its responsibility to become an "ideal helper" for small shop owners. Since 2025, Xiaoying Technology has launched the "Make Your Own Light ? Small Store Shining Plan" to help small stores maintain their brightness in the complex and ever-changing business wave.

The protagonists of this issue's "Shining Technology" are two young entrepreneurs from Shenzhen who use AI to empower their entrepreneurial path, allowing people to see concretely that "technology enables ordinary people to have more possibilities".

The human warmth of 'cold' business

When the wave of AI sweeps in, some people are watching, some hesitate, and some are brave enough to "eat the crab". What choice would you make when the halo of a big company fades away and internal competition and exclusion become daily? Some people are trapped in internal strife and struggle, while others are unwilling to waste their time, turning their unwillingness to become transparent into the driving force for restarting their lives.

Li Dangdang has grown from a "small transparency" in the workplace to a super individual, completing a two-way journey of snow clothing entrepreneurship and AI empowerment, firmly grasping the initiative of life in his own hands.

During the empty window period, Li Dangdang, who loves skiing, keenly captured the blank in the ski suit market and co founded the cost-effective brand RATATA with friends. At first, I didn't understand anything and started from scratch. I didn't know if I could make it, but I wanted to try and see how far one person could go on this path

AI not only gave me efficiency, but also gave me true freedom. ?Li Dingting sighed sincerely. Due to strict quality control and precise operation, she quickly gained positive income, giving her the capital not to compromise and the ability to pursue more brilliant light.

After resigning, she transformed into an "all-around warrior" and maximized the value of AI: using AI to design, produce content, and formulate operational strategies, taking on all the responsibilities of brand operation and self media creation on her own, ultimately achieving revenue surpassing that of major companies. For her, AI is no longer just a tool for improving efficiency, but also a spiritual companion that supports her progress, helping her truly realize the confidence and strength of "one person is one team".

Due to his love for skiing, Li Dingdeng had the idea of running a ski suit business; But Zhang Ziming never imagined that one day he would come into contact with the word 'wedding'.

At a gathering, a friend who is a wedding planner casually mentioned that Zhang Ziming discovered the huge potential of deep integration between AI and the wedding industry. Although the AI mapping technology at that time was not perfect, it excelled in creativity and was not suitable for industries such as architecture that demanded high precision; But wedding planning is exactly the opposite - it requires imaginative inspiration, greater tolerance for design, and an endless stream of customized scenarios: from the clever conception of wedding themes, the delicate writing of hosting speeches, to the rapid generation of on-site renderings, every aspect can be seamlessly integrated with AI.

In early 2024, Zhang Ziming and his partners started an AI wedding planning startup.

The process of product development is a two-way integration with technology and the market. In order to develop this product, my partner and I went to many wedding fairs and interviewed hundreds of planners. From ideas to launch, we optimized it based on user feedback and went through countless rounds of debugging and launch

Zhang Ziming has been deeply involved in the field of product technology, conducting in-depth research on the entire wedding industry chain from scratch. After multiple rounds of platform adaptation and polishing, he successfully launched the 1.0 version of the product; Afterwards, we accurately targeted industry pain points and iteratively developed 2.0 mini programs that are compatible with mobile devices. This mini program deeply integrates massive real wedding cases and continues to optimize, deploying core logic on cloud servers - wedding planners only need to input requirements on their mobile phones, and can quickly analyze and generate renderings based on cloud workflows; By innovatively adding a one click recording function, not only can planners efficiently complete the design of wedding scene effects, but also the negotiation scene has achieved a breakthrough of "real-time capture of needs and immediate output of solutions", completely subverting the traditional lagging wedding planning mode.

The product received a good market response just last year, truly achieving cost reduction and efficiency improvement for the wedding industry. There is a couple who have been in a long-distance relationship for five years, and they want to incorporate the story of these five years into their wedding. The planner generated several initial plans using a mini program, and one of them received recognition from the bride. At that moment, I felt that the code was cold, but the place it reached could be very warm

Their entrepreneurial story is not only a romantic poem created by science students using AI to cross boundaries, but also a story of ordinary people breaking boundaries and shining with their own brilliance through love and persistence.

Holding onto AI to make things happen, with a heart towards the faint light and dreams

Technology illuminates the path of explorers, and those illuminated by technology transmit light to farther places. In addition to entrepreneurs, Li Dangdang and Zhang Ziming also have another identity: AI self media professionals. AI is not only their work tool, but also the core theme of their creation.

Zhang Ziming's action was one step earlier. During the boom period of AI technology from the end of 2022 to the beginning of 2023, they took the lead in trying to develop AI products. However, due to multiple issues such as the fast iteration speed of GPT and limited domestic usage permissions, the project progress was repeatedly hindered. So he turned to the field of AI knowledge dissemination, operated the AI themed official account, popularized AI knowledge to the public in the form of in-depth pictures and texts, taught everyone to know AI, master AI tools, and effectively applied AI to daily work scenes.

Zhang Ziming asked each member of the team to operate an AI themed official account, guiding everyone from a learner of AI technology to a communicator and instructor of AI knowledge. This measure not only enables team members to make rapid progress in AI learning, but also helps them become pioneers in the field of AI. He also condensed his technical accumulation and practical experience into words, creating an AI intelligent agent tutorial that even beginners can understand. All of these made him realize that he was not only using AI to drive the transformation of the wedding industry, but also helping more and more people eliminate their fear and anxiety towards AI through knowledge sharing.

Li Dengting continues to share practical AI knowledge on self media, including how to use AI to make videos, create mini programs, and achieve brand efficiency improvement; I also went into universities to share AI with students majoring in computer science; We also explain the usage of AI tools to middle-aged and elderly people who have difficulty accessing AI, and encourage ordinary people to break through limitations through personal experience.

The light of technology makes universal access within reach

Technology has never been a cold tool, but a wing that supports self-reliance. They anchor their ideals with code, use sharing as a torch, and inspire more people to break through with AI, bravely engage in entrepreneurship, and live out their own dazzling light.

Xiaoying Technology always relies on the power of technology to support every dream that wants to shine, leveraging the "link" role between financial institutions and small and micro enterprises, accurately controlling risks with intelligent technology, enhancing asset activity with "digital drive", deeply cultivating small and micro group services, while effectively safeguarding the rights and obligations of financial consumers, and helping the light of technology shine on a wider range.

In 2021, Xiaoying Technology launched the "Micro Light Plan" aimed at enhancing the accessibility and convenience of financial services for small and micro business owners, and helping the steady development of the real economy. In 2022, Xiaoying Technology launched the "Yingxin Plan" to further expand its service coverage. In 2023, Xiaoying Technology will launch the "City Light" assistance program to provide high-quality financial services for small and micro business owners, individual businesses, and new citizens with dreams. In 2024, Xiaoying Technology launched the "Light Up Companion ? Small Store Assistance Plan" to safeguard the dreams of every small and micro business owner and new citizen.

In 2025, Xiaoying Technology launched the "Make Your Own Light ? Small Store Flash Plan", gathering individual industrial and commercial households, small and micro business owners, new city residents and other groups, presenting the shining spirit of small stores, the jumping pulse of the industry, and the driving force of the city through a multidimensional perspective of the times, giving each other the confidence and energy to pursue beauty. According to data, as of the end of December 2025, Xiaoying Technology has served over 9.7 million small and micro business owners and individual industrial and commercial households, covering 31 provinces, autonomous regions, and municipalities directly under the central government in China.