Welcome to participate in the AI interview, each question has time for reflection, and you can also answer directly. ?The digital avatar on the screen is smiling and speaking in a gentle tone. Off screen, fresh graduate Zhang Nan (pseudonym) has become accustomed to this kind of human-machine dialogue - during the 2026 bank spring recruitment season, AI (artificial intelligence) interviewers are becoming his first "examiners".

This is not a science fiction scene. This year's spring recruitment, multiple banks have embedded AI interviews into their recruitment process. Daily Economic News reporters have found that AI interviewers not only ask for resume details and provide flexible comments, but also generate personalized questions based on different positions.

However, while AI examiners are on duty, a hidden battle is unfolding. On e-commerce platforms, "AI interview assistants" are quietly selling well - real-time monitoring of exam questions, millisecond level generation of answers, and intelligent eye correction. Candidates can have a "cheat" for only a few tens or hundreds of yuan, and some products have even sold over 600000 copies online.

How do banks respond to AI cheating when an AI examiner encounters it?

Tested AI Interview: Capable of flexible interaction and personalized questioning

The Daily Economic News reporter noticed that several banks have embedded AI interview processes into their recruitment processes. This process is usually set after the bank's written test is passed and before the offline manual interview begins. The interview time is usually 15-30 minutes, and the interviewer is an AIGC (Artificial Intelligence Generated Content) virtual image.

The pace of AI interviews is relatively fast. ?A bank job applicant shared their interview experience with reporters, saying, "The AI interviews I have participated in at several banks usually require me to answer seven or eight questions within 20-30 minutes, leaving me little time for thinking. In terms of question setting, I tend to be more professional and objective. ?

For some highly specialized positions, using AI questioning can fill the knowledge gap in certain professional fields and better understand the professional level of applicants. ?The recruitment manager of a small and medium-sized bank told reporters.

The reporter experienced the AI interview of this bank on their mobile phone, where the AI interviewer had human micro expressions such as nodding and blinking, and also had an approachable image setting. In the preparation stage of the interview, AI interviewers will prompt candidates to check their mobile phone speakers, microphones, and other devices. After the interview officially begins, each question will have a certain amount of time for thinking and answering.

In terms of journalist experience, AI interviewers do not appear mechanical in questioning and interaction. They can not only provide flexible responses such as "this experience sounds good", but also ask for specific details based on the interviewee's answer content.

The first question is usually a standardization question, such as making a self introduction, introducing classroom internships, learning and work experiences, etc. Afterwards, the AI interviewer will ask questions based on the interviewee's resume and answer content, and each interviewee's question is different. ?The recruitment manager of the above-mentioned small and medium-sized banks told reporters.

It is understood that the AI interview systems currently used by banks are mostly provided by third-party technology companies, such as Niuke AI, AI Easy Face, etc. This type of platform also provides AI simulation interview services for interviewees, which can generate customized content by entering resumes and job information.

The reporter from the Daily Economic News also experienced the AI simulation interview service provided by a third-party technology company, with the intention of interviewing for an operation position at a city commercial bank in East China. In terms of question setting, the system has generated 6 interview questions for journalists, covering five dimensions of personal introduction, project experience, professional ability, comprehensive quality, and job motivation. During the simulated interview process, AI interviewers will ask questions about the journalist's self introduction.

AI examiners' on duty ': significantly improving bank recruitment efficiency

The introduction of AI interviews in bank campus recruitment is an inevitable choice for digital transformation and cost reduction and efficiency improvement. Faced with a massive number of fresh graduates' resumes, AI interviews can efficiently complete the initial screening, unify the scoring criteria, reduce human bias, and improve recruitment efficiency and fairness. ?During an interview with reporters, Zeng Gang, director of the Shanghai Finance and Development Laboratory, stated that banks should adhere to the combination of human and machine during AI interviews, balance efficiency improvement and quality control, and empower technology rather than replacing professional judgment.

This is also the principle that many banks currently follow when applying AI for interviews.

AI interviews have shown good results in the initial screening process. ?The recruitment manager of the above-mentioned small and medium-sized banks told reporters that on the HR interface, the comprehensive score and ranking of each interviewee, as well as the evaluation results given by the AI interview, can be clearly seen. AI will present the answers of each interviewee in text form, with highlighted key content to remind us to pay close attention. ?

The Daily Economic News reporter learned that bank AI interviews will set different assessment dimensions and weights for specific positions, and the evaluation results of interviewees will also present corresponding strengths and weaknesses analysis.

What is the pass rate for AI interviews? The recruitment manager of the above-mentioned small and medium-sized banks told reporters that the bank will comprehensively consider factors such as the number of candidates to be recruited for each position and the overall interview situation to determine the score line.

According to a reporter from the Daily Economic News, currently AI interviews are mostly used for campus recruitment of fresh graduates, while social recruitment applications are relatively rare. Fresh graduates find it easier to customize dimensions and labels for their positions, and AI has indeed helped us reduce a lot of workload in resume screening. ?The recruitment manager of the above-mentioned small and medium-sized banks told reporters that in fact, AI has only been widely used in the recruitment field since last year. For example, major recruitment websites now come with AI resume parsing functions. Previously, there was no such function. We had to click through each resume one by one. Now, AI can break down resumes based on job requirements, job responsibilities, etc., mark suitable resumes, and then we can carefully review the selected resumes. ?

In the past, we used to bring back a pile of resumes during campus recruitment. In 2023, our conference room tables were filled with resumes, and we had to manually sort and screen them one by one. In the following years, more people submitted resumes, but we no longer had to do similar work. "The recruitment manager of the aforementioned small and medium-sized bank told reporters that in 2024, the bank began using AI to assist in resume screening, and by last year, further introduced AI for interviews, greatly improving recruitment efficiency.

AI cheating online: real-time monitoring, millisecond level response

AI helps institutions improve efficiency, but some people find ways to exploit loopholes and use AI to cheat, which leads to related gray products.

The reporter noticed that some shops specializing in exam materials on social media platforms have included AI interview question banks and traditional bank interview content such as semi-structured interviews and leaderless group discussions in their exam preparation materials for sale.

The reporter searched for "bank AI interview" on social media and found that in addition to sharing interview experience, some posts also attached purchase links for high-frequency questions in bank AI interviews.

The product page of a certain online store displays "past year real questions," "answer strategies," and "must see questions" from multiple banks. One of them is a universal information package for bank interviews, covering leaderless group discussions, semi-structured interviews, AI interviews, financial technology hotspots, etc. It is priced at tens of yuan and has more than 300 product reviews. Consumers have given feedback stating that the content is very detailed and the knowledge coverage is wide, making it suitable for pre exam raids.

The reporter purchased an AI interview material for a city commercial bank in East China from a store, and the merchant shipped it in the form of an online storage link. The material includes high-frequency AI interview questions, answer strategies, and reference answers for the bank. According to dimensions such as self-awareness, stress resistance and adaptability, teamwork and communication skills, and adaptability to business and job positions, the high-frequency questions that appeared in the exam are organized in the data.

In addition to providing interview materials, the reporter noticed that on e-commerce platforms, some merchants have started selling various "AI interview assistants", claiming to be able to "monitor in real time and answer in milliseconds", thus achieving "interviews only need to read the answers".

Taking an AI interview assistant from a certain online store as an example, the product is charged on a time-based basis, with a minimum price of 138 yuan and a usable time of 2 hours. Over 200 people have visited the store in the past 7 days, and more than 200 people have made additional purchases. The product details page shows that the product is selling well across the entire network (i.e. the same product has sold over 600000 copies in the past 365 days).

There is feedback in the product review stating that it is "fully functional" and "has a good user experience". However, looking through the question section, the reporter found that many people also raised doubts, such as the failure of some functions during use, the tendency to make errors in professional questions, and the mismatch between answers and questions.

The reporter tried a product and opened the webpage link sent by customer service to use it. After entering the page, select the position you want to interview for, upload your resume, choose "Interview on this computer", and share the system audio according to the prompts. The interview assistant will recognize the interviewer's questions on the computer in real time and provide reference answers based on the resume. Customer service introduced that if the interview requires screen sharing, the interview can also be synchronized and displayed on a phone or tablet to see the answers.

In addition, the reporter noticed that some businesses provide AI interview assistant packages that can also perform eye contact intelligent correction. For example, there is a product introduction that says "naturally see answers, say goodbye to strabismus, support multiple languages." Its price ranges from 78 yuan to 1798 yuan, and the package features increase with the price. Packages priced at 398 yuan and above support eye correction function. In the comment section, a large proportion of buyers purchased the 398 yuan price range. Some feedback stated that the product operation is simple and smooth, and the search speed is fast.

Institutional response: AI anti cheating mechanism+manual review

Banks also have ways to deal with AI interview cheating. Some interviewees, despite having high scores, may be judged as not passing due to the high risk of cheating, and we will manually review these abnormal situations. Most cheating situations can actually be recognized by AI, such as continuous keyboard keystrokes, the interviewee's eye tracking finding that they are looking in a certain direction, and window switching during the interview. ?The recruitment manager of the above-mentioned small and medium-sized banks said. In addition, high-level interviews will also undergo manual review. During manual review, institutions will watch the video replay of the interview and make judgments based on experience.

It is worth mentioning that recruiters and technology providers have also taken a series of measures against possible cheating behavior in AI interviews.

The reporter consulted a sales customer service representative of Niuke AI interview system as a purchaser, and the company has launched an AI interview system.

In terms of anti cheating features, the other party introduced that the company's AI interview system has many anti cheating functions. Our AI recruitment system has functions such as screen monitoring and behavior analysis, such as tracking the eye trajectory of an interviewee every 10 seconds, detecting whether they have deviated from the screen for a long time, and comparing faces throughout the process. AI will also monitor and analyze the interviewee's answers, and if they are too written or have obvious traces of AI assisted answering, there will be prompts. ?The other party said.

The reporter consulted the product manual of the company's AI interview system, which shows that the system will set up anti cheating mechanisms for multiple links, and provide annotations and reminders for behaviors such as changing people, cutting screens, searching questions, and reading questions.

Many questions in AI interview systems are generated in real-time based on the interviewee's previous answer, making it difficult to predict and cheat. ?Beisen (a company that provides AI interview systems) sales customer service explanation. In response to the possible use of AI cheating in AI interviews, the sales customer service representative explained that the Beisen AI interview system has built an anti cheating system throughout the entire interview process, including dual camera detection, external screen detection, etc., as well as analyzing the answer text and generating customized reports after the interview.

Industry Trend: The Demand for Financial Technology Talents Continues to Highlight

The deep penetration of AI into various industries is the trend. The reporter noticed that banks are recruiting this spring, and the demand for financial technology talents continues to be prominent. Many bank headquarters and branches are opening up positions for AI development, algorithms, big data and other fields.

For example, in the spring recruitment positions of China Construction Bank, 9 out of 17 branches are recruiting technology professionals, mainly engaged in big data marketing, data mining and analysis, technology research and development, system operation and maintenance, and other related work.

The "Technology Elite" position at Industrial and Commercial Bank of China is mainly responsible for providing technology talent reserves for fields such as system development, application research and development, information security, data mining, and product design. The reporter entered "Technology Elite" in the search bar of the recruitment website of the bank, and the system displayed 225 relevant job positions out of 1261 job postings.

According to the Spring Campus Recruitment Announcement of Bank of China, most of the directly affiliated institutions of the head office are recruiting for technology related departments, including the Technology Operations Center, Software Center, and Remote Banking Center, with information technology positions being the main focus.

Banks continue to increase the recruitment of financial technology talents, reflecting the urgent need for digital transformation in the industry. "Zeng Gang told reporters that the intensive opening of AI, algorithm, big data and other positions by the head office and key branches is not only to meet the competitive needs of online services, intelligent risk control, and product innovation, but also a key layout for building core competitiveness. Technological talents can help banks improve risk control accuracy, optimize customer experience, reduce costs and increase efficiency, and promote the upgrading of traditional businesses to intelligence. This trend indicates that the talent structure of banks is shifting from being dominated by traditional finance to being driven by both finance and technology. In the future, technology talents will become the core support for high-quality development of banks.

Source: Daily Economic News