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Xie Min
MYbank
Experience Design Expert
Xie Min joined the Ant Group design team in 2018, focusing on innovative experience design in the credit business domain. She has led the design and implementation of core products such as the AI credit assistant and scenario-based finance, and is dedicated to exploring the integration of "technological innovation × multimodal interaction" within financial scenarios, aiming to build humanized, intelligent, conversational financial experiences.
She has received the MYbank "Dujiangyan" Project Award three times, was honored with the "Golden Sparkle" Individual Award, and earned the Ant Group "Seeing Good Design" recognition. She consistently promotes design-driven business growth and strives to find the balance among design, people, technology, and empathy within financial contexts — ensuring that AI credit services deliver not only speed but also a human touch.
AI Empowering Finance: Exploration and Practice of Intelligent Credit Services
In the current internet banking credit service landscape, complex processes and high operational costs make it difficult to meet users' practical needs for "easy understanding, easy operation, and effective problem solving." Both customer experience and business conversion are facing bottlenecks. With the advancement of AI technologies, we see an opportunity to reshape the credit experience through "intelligent services": leveraging intent recognition, multi-turn dialogue, and personalized recommendations to achieve a "thousands-of-people, thousands-of-faces" service model, reducing users' cognitive load while improving business conversion.
This session focuses on "AI + financial credit experience design." Starting from real user needs, we will analyze design opportunities for AI in credit scenarios; deconstruct how traditional experience design transforms into AI experience design, including shifts in mindset and design deliverables from GUI to CUI; and, using case studies from MYbank, introduce how to build an AI intelligent assistant capable of multi-turn dialogue, facilitate conversion through intelligent services, and explore multimodal interaction experiences integrating voice, image, and text.
Core Content
Design Background
Bottlenecks and breakthroughs in traditional credit experience
AI Design Methodology
1.1 User journey mapping and field research to identify user needs and pain points
1.2 AI application capability layers and design strategies
1.3 Key differences in the transition from traditional GUI to CUI
Credit AI Practice Projects
3.1 Application design of intelligent assistants in credit limit increase and interest rate reduction scenarios
3.2 Multimodal recognition experience design of AI intelligent camera
3.3 Defining design paradigms for intelligent assistants
Summary and Outlook
4.1 Full-link AI design methodology
4.2 Transformation of designers' work and collaboration models in the AI era
1、Icebreaking session: Introduction of presenters and business context
2、Methodology sharing: Full-link AI design methodology
3、Case study: MYbank's credit AI service practice project
4、Interactive session: Group simulation design of a "Financial AI Intelligent Assistant" and presentation
5、Q&A
1、Junior/intermediate interaction, product, and experience designers
2、Product managers in the financial industry
3、Financial industry professionals and those interested in finance + AI design
1、Master the AI experience design methodology, and systematically understand the complete methodology of AI product development—from needs discovery and opportunity identification to solution design, implementation, and validation.
2、Through deconstruction of cases such as AI intelligent assistants, intelligent conversion facilitation, and multimodal interaction, acquire a replicable set of CUI interaction paradigms and design approaches.
3、Learn "how traditional design transforms into AI experience design," grasp the differences between CUI (conversational user interface) and GUI, and build capabilities in AI experience design.
