1. Using self-made analytics algorithm and decision engine DELPHI to identify high potential low-risk customers. 2. Using AI/DL/ML for loan underwriting, cross-sell, fraud and risk management etc. 3. Using DL models to develop in-house Clix Visage, a video analytics tool for customers’ emotional and behavioural understanding. 4. Implementing and continuously improving an AI-enabled chatbot for customer service.