"Yes, our risk control system comes from various business data of the bank, including deposits, withdrawals, borrowings, transfers, etc."

“In addition, the user’s central bank credit report must be called.”

"Our "Mung Bean Credit" and "Ruixiang Super Brain" will also collect users' financial data, including investment and financial management, borrowing, etc.

But we will also collect and analyze life data, such as riding shared bicycles. The daily riding trajectories of shared bicycles can analyze many valuable things.

If a user rides a shared bicycle for a year and rides to the same office building for a long time, it means that the job is stable.

When a user rides a shared bicycle, he abides by the rules and uses standards, which also shows that this person has good qualities...

In addition, Mung Bean Credit is also integrated into multiple usage scenarios, such as renting a house, accommodation, renting items, etc.

These application scenarios can accumulate and collect a user's performance data.

Mobao Payment can also collect a user’s daily consumption data.

In addition, we also cooperate with hundreds of Internet financial companies.

These companies will allow users to authorize mung bean credit points when borrowing money.

Through this, we can grasp a user’s long-term lending and joint debt data.”

Zhang Yida briefly mentioned the advantages of his products. Compared with the four major banks, Ruixiang's technological capabilities have long been separated from finance and cover all aspects of life.

In short: the more data you collect, the better your risk control will be.

The leaders of the four major banks are silent now. How can this compare?

Ruixiangdu has begun to penetrate into every aspect of a user's life, and a person has almost become transparent in the face of big data.

They finally figured out why Ruixiang's loan bad debt rate was so low.

The secret lies in big data analysis.

After reaching an agreement with several leaders, Tiance Technology will then go through a "bidding" process.

Zhang Yida is not worried at all about not winning the bid. His intention has been reached long ago and it is just a matter of going through the process.

As long as Leech Financial Services does not cause trouble, no other company dares to say that its financial technology capabilities are better than Ruixiang.

Moreover, the four major banks are still shareholders of Ruixiang, so they must take care of their own families.

Tiance Technology’s B-side customers have previously been small and medium-sized enterprises in the Internet finance industry.

But the unit price per customer is too low! Zhang Yida has long been dissatisfied and is preparing to enter the high-end field.
Chapter completed!