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Authors
Chi, Xiao
Wang, Wei
Zhang, Ziyao
Li, Ang
Huang, Yuting
Wu, Yiquan
Kuang, Kun
Sun, Changlong
Liu, Xiaozhong
Wu, Fei
Xiong, Minghui
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Funding
Funding for this research was provided by:
“Pioneer” and "Leading Goose" R&D Program of Zhejiang (2025C02037)
Key R&D Program of Hangzhou (2025SZDA0254)
Ant Group
Chongqing Ant Consumer Finance Co.
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Article History
Received: 16 September 2025
Accepted: 1 February 2026
First Online: 15 February 2026
Declarations
:
: The authors declare no conflict of interest.
: Not applicable.
: Not applicable.
: Not applicable.
