QFIN Profile
360 DigiTech, Inc., headquartered in Shanghai, China, is a leading provider of financial technology solutions, specializing in credit services and loan facilitation through its 360 Jietiao platform. Founded in 2016, the company operates at the forefront of the fintech industry, connecting borrowers with financial institutions and offering a comprehensive suite of services designed to streamline and enhance the credit process.
Under the 360 Jietiao brand, 360 DigiTech provides a range of credit-driven services that support financial institutions in acquiring customers, conducting initial credit screenings, performing advanced risk assessments, and managing collections and post-facilitation tasks. The platform’s advanced technologies enable efficient customer acquisition and risk management, significantly improving the accuracy and efficiency of credit-related operations.
The company's offerings extend to various loan products, including e-commerce loans, enterprise loans, and invoice loans, specifically tailored for small and medium-sized enterprises (SMEs). These services are designed to support the financing needs of SME owners and enhance their access to capital. Additionally, 360 DigiTech provides platform services such as loan facilitation, intelligence credit engines, referral services, and risk management software-as-a-service (SaaS), further supporting its financial institution partners.
360 DigiTech, formerly known as 360 Finance, Inc., rebranded in September 2020 to reflect its evolving business model and expanded service offerings. The company's innovative approach and robust technology infrastructure position it as a significant player in the fintech landscape, addressing the needs of consumers and micro- and small-business owners throughout China.
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