Project Summarization
As the bank’s main digital inclusive product, consumer loans rely on self-developed anti-fraud systems, using face recognition comprehensively, biological probes, device fingerprints, and associated networks to control the risk.  For credit, the decision-making level used artificial intelligence, machine learning algorithms, etc. To perform real-time portraits, analysis, and judgments of users, realize the whole-process machine intelligent approval, and output the decision results as quickly as 7 seconds, significantly improving credit approval efficiency and saving bank operating costs. At the same time, for users, the whole process can be handled by mobile phones without leaving home, without any paper materials, and it is convenient and quick to lend money in as fast as 1 minute.

The project construction brought social and economic value
It improves the efficiency of credit approval and saves bank operating costs as the entire process is implemented online.
It can complete the loan without paper materials, providing users with a highly convenient experience for pure online applications.
The mission of "Supporting the real economy, serving small and micro-groups, and practicing inclusive finance" is its dual genes in finance and the Internet. It adheres to differentiated positioning and characteristic operations. It relies on significant data risk control and financial technology ability to build a digital technology-inclusive bank.