When the wave of technology represented by digitalization and intelligence swept the world, the financial industry was also facing a huge impact, which also gave birth to a new field of financial technology. All of a sudden, fintech has become the focus of a new round of competition. As an emerging force in the consumer finance industry, Ping An Consumer Finance is well aware of the importance of financial technology innovation, and has always adhered to the principle of financial services for the people since its establishment, actively exploring financial services empowered by financial technology, and continuously improving the efficiency and energy level of financial services for the people. With its deep innovation in the field of consumer finance, Ping An Consumer Finance won the "Outstanding Consumer Finance Company" award in the 12th "Golden Wisdom Award" annual selection list, which attracted much attention.
Fintech is a technology-driven financial innovation that combines financial services with emerging technologies to reshape financial business models and processes, optimize and innovate the supply of financial products, and promote the quality and efficiency of financial development. In terms of financial technology empowerment, Ping An Consumer Finance has submitted more than 200 patents and registered more than 30 software copyrights so far, and has passed CCRC, ISO and other certifications. With the support of strong scientific and technological strength, Ping An Consumer Finance also continued to optimize its main product, Ping An Consumer Finance Little Orange Blossom, to continue to meet the diversified consumption needs of consumers in various scenarios. At present, Ping An Consumer Finance has served nearly 5 million customers in 31 provincial-level administrative regions and more than 2,500 county-level administrative regions across the country. In terms of customer distribution, users in third-tier cities and below account for nearly 85%.
In this era of rapid technological development, people need convenient and fast financial services. In the face of the rapidly changing consumer finance market, it has become especially important for a financial services institution to optimize its products and services through fintech. Ping An Consumer Finance Little Orange Flower abandons the cumbersome process of traditional financial institutions, and adopts the whole process of online application, real-time issuance, no face-to-face signing, easy and fast. When using Ping An Consumer Finance Little Orange Blossom, users only need to complete the application operation in four simple steps. At the same time, it also minimizes the time to account and disburses loans as fast as 1 minute to improve the credit service experience of users. In addition, Ping An Consumer Finance Little Orange Flower borrows 24 hours a day, with a limit of 1,000 yuan and 200,000 yuan, which can meet the daily needs in most cases.
In terms of promoting "inclusive finance", the consumer finance industry mainly relies on financial technology to extend the boundaries of financial services and improve the coverage and availability of financial services. In the future, Ping An Consumer Finance will closely follow market trends, continuously innovate and optimize user experience, and use Ping An Consumer Finance to meet the financial needs of more consumers.