LexinFintech Holdings Ltd.

Lexin is a consumer finance technology company in China with a decade-long operating history. The company uses AI and big data to create an online risk assessment and management system based on quantitative decision-making. Lexin connects financial institutions with consumers through its consumption ecosystem, which includes online consumer financing, offline inclusive financing, fintech empowerment services, and e-commerce platforms. It provides finance services to young generation consumers in China. Lexin offers various services to financial partners, including multi-channel online intelligent marketing and customer acquisition, offline channel customer acquisition, product design and operation for diversified consumer financing and inclusive financing, customer risk assessment and operation, and post-loan services for loan products. The company's core competencies include its consumption ecosystem, a young generation customer base in China accumulated over the past decade, risk management capabilities for small-sized and dispersed consumer loan products, fintech prowess centered around AI and big data, an extensive network of financial institution partners, financial products designed by its founders, and a senior management team. Lexin provides credit services such as credit facilitation service, tech-empowerment service, and installment e-commerce platform service. It also offers diversified services to financial institutions, including credit assessment, operation system upgrades, user acquisition services, and guarantee services, utilizing technologies like big data, advanced computing, and artificial intelligence.