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Learning Center

Fintech is the dynamic intersection between traditional finance and technology. It now includes a variety of technologies and applications:


Blockchain or distributed ledger technology stores information in a distributed and secure way across the Internet. The primary benefit is data security and the complete transparency of the data transacted within the system, which can never be changed or deleted.

Marketplace Lending

Online lending platforms quickly and easily connect borrowers and lenders to expand attractive consumer lending options. Marketplace lenders use technology to facilitate and service the loans, but do not participate in the financial transaction itself.

Supply Chain Finance

Blockchain technology maps and manages large, complex supplies chains and bridges the financing gap for many smaller suppliers. These complicated supply chains are common in consumer electronics, automobile manufacturing and garment production.

Credit Factory 2.0

This is the risk management and credit evaluation framework that combines Big Data and traditional credit-evaluation processes through a powerful fintech quantitative system. This credit infrastructure reduces manual operations and ongoing risks.

Marketplace Lending

Marketplace lending is the application of advanced technology platforms to bring online borrowers and lenders together to make lending fast, flexible and affordable.


Benefit from:

  • More affordable rates
  • Flexible loan amounts and durations
  • Mobile and online-based, with quick and easy loan applications
  • Scenario-based borrowing options, including personal credit, rental loans, consumption loans and daily merchant cash in advance
  • Real-time account information and management


  • Access to high-quality loan assets
  • Sophisticated portfolio management tools normally reserved for large financial institutions
  • Extreme investment diversification across tens of thousands of loans with full transparency
  • Daily interest disbursement and reinvestment
  • Real-time investment performance information
Credit Scores

FICO, originally Fair, Isaac and Company, is a data analytics company based in San Jose, California focused on credit rating services. Since 1956, the U.S. consumer credit market has trusted FICO scores to rate the creditworthiness of individual borrowers.

According to FICO’s score standards, the three major credit bureaus – Equifax, Experian, and TransUnion – produce credit reports for every individual using a massive number of consumer credit records. The reports correspond to different FICO scores.

Much like individual debt instruments, potential borrowers are assigned a score from 250 to 900. The higher the score, the lower the risk of default and the greater chance of on-time payments.

FICO is vital for the U.S. consumer. Maintaining a high credit score means easier access to securing a car loan, purchasing a home or even paying for groceries. Low FICO scores dramatically limit access to credit. So, when it comes to rating consumer credit, FICO matters most.

What your FICO Score means to lenders:
579 or less
Lenders view you as a very risky borrower
580 - 669
Some lenders will approve loans with this score
670 - 739
Most lenders consider this a good score
740 - 799
Lenders view you as a very dependable borrower
Lenders view you as an exceptional borrower