Qifu Technology

What Qifu Technology does

Qifu Technology (奇富科技), founded in 2016 and headquartered in Shanghai, is an AI-driven fintech platform operating dual businesses across consumer credit and institutional technology services. The company rebranded from 360 Finance/360 DigiTech to its current identity in 2023 and is publicly listed on NASDAQ (QFIN) and the Hong Kong Stock Exchange (3660). It serves 167 financial institutions and 64.8 million consumer and small micro enterprise users, with cumulative loans facilitated to small micro enterprises of RMB 1,040.9 billion and to agriculture-related sectors of RMB 101.1 billion as of end-2025.

The technology platform centers on a proprietary financial LLM and an AI-native credit intelligent agent system spanning more than 100 core modules across marketing, approval, decision-making, compliance, and end-to-end risk control. Supporting modules include the Xiaoqi voice assistant (300% service efficiency improvement), Jarvis development assistant (20% R&D efficiency gain), Qifu Copilot (98.8% intent recognition accuracy), ChatBI with DeepSeek integration, a Small Business Knowledge Graph, and a full-stack financial security platform including the Shanhai anti-fraud system. R&D headcount is approximately 1,000 including over 100 AI large model specialists, with 961 patent applications filed and cumulative R&D investment near RMB 100 billion.

Revenue is generated through credit-driven services (credit evaluation, fund matching, loan assistance, and risk management software delivered to banks) and platform services (intelligent agent platforms for bank digital transformation), both monetized on a transaction-fee basis. The consumer business operates through the Qifu Jietiao (奇富借条) mobile app, while the institutional business is delivered via the Qifu DigiTech (数智赋能) platform and joint laboratories with national, city commercial, and rural banks. International expansion is underway via a 2025 Hong Kong SAR Key Enterprise designation and an "AI + Going Global" strategy showcased at the 2026 Lujiazui Forum. The company paid dividends for six consecutive years with an 11.3% yield noted by Morgan Stanley.

Name

Qifu Technology

Legal name

上海淇毓信息科技有限公司 (Shanghai Qiyu Information Technology Co., Ltd.)

Website

https://qifu.tech

Company type

Public

Founded year

2016

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Qifu Technology is an AI-driven fintech platform providing credit technology services to 167 financial institutions and consumer lending to 64.8 million users in China. It operates an AI-native credit intelligent agent and proprietary financial LLM, monetizing through transaction fees on loan facilitation and digital transformation contracts.

Ownership category

akta.pro rank

Product category

Consumer Lending & Credit Technology

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

akta.pro secondary industries

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

Keywords

• Consumer credit technology
• AI credit platform
• Digital lending services
• Bank intelligent agents
• Inclusive finance solutions

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Credit-Driven Services: Technology services to financial institutions including credit evaluation, fund matching, loan assistance, and risk management software. The company facilitates loans between financial institutions and borrowers, earning fees for its credit technology services.
2. Platform Services: Platform-based services providing digital infrastructure and tools to financial institutions, including intelligent agent platforms for banks' digital transformation needs.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Qifu Technology is an AI-driven fintech platform that provides credit technology services to 167 financial institutions (national banks, city commercial banks, rural financial institutions) through AI-powered intelligent agent platforms, credit evaluation, fund matching, loan assistance, and risk management software. The company also directly serves 64.8 million consumers and small micro enterprises with personal credit services through its Qifu Jietiao mobile application, facilitating consumer loans with financial institution partners.

Product overview

Qifu Technology is an AI-driven fintech platform founded in 2016, providing credit technology services to financial institutions. The company operates a unified platform architecture consisting of the core Qifu Technology platform, supplemented by specialized sub-brands and modules: Qifu Digitech (数智赋能) provides AI-powered digital banking solutions to 167 partner financial institutions; Qifu Jiekuan (奇富借条) serves as the consumer-facing credit product; and multiple AI-powered modules including Xiaoqi (intelligent customer service), JARVIS (development assistant), Qifu Copilot (operation support), ChatBI (business intelligence), Small Business Knowledge Graph (小微图谱), and Xiao Ao (security assistant) power the intelligent transformation of credit operations. The Credit Intelligent Agent system with AI-native architecture automates over 100 core modules across marketing, approval, decision-making, compliance, and risk control. The Financial Security Platform provides full-chain security through data security, cloud shield, threat awareness, and zero-trust network protection systems. The company serves 64.8 million consumer and small business users across China while expanding globally.

Differentiator

Problem solved

Functional benefit

Brands

• 奇富借条 (Qifu Jietiao): Consumer credit/lending product, formerly known as 360借条 (360 Jietiao)
• 360金融大脑 (360 Finance Brain)
• 数智赋能 (Qifu DigiTech)
• 数智普惠 (Xjietiao)
• FocusPRO 2.0
• Jarvis
• 小奇
• 奇富Copilot
• ChatBI
• 小微图谱
• 小奥

Products and services

• Qifu Technology AI Fintech Platform
• Qifu Digitech (数智赋能) Banking Intelligent Agent Platform

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability16 records

Feature12 records

Partnerships

Six partnerships are on record, tiered flagship and core.

• Hong Kong SAR GovernmentflagshipStrategic or Co-development Partner · 1 January 2025Qifu Technology signed with Hong Kong SAR Government to become a Key Enterprise (重点企业), establishing strategic presence in Hong Kong for international expansion of AI-powered financial technology services.
• Beijing National Financial Technology Standardization Research InstitutecoreStrategic or Co-development PartnerJointly organized the Digital Finance Security Innovation and Practice Competition with the institute, contributing to financial technology standards development and industry best practices.
• China Academy of Financial Inclusion (CAFI)coreStrategic or Co-development PartnerCAFI research team used Qifu Technology's FocusPRO 2.0 digital inclusive credit solution as a case study to analyze fintech platforms' impact on traditional financial industry, demonstrating the company's role in digital finance ecosystem.
• Shanghai Jiao Tong UniversitycoreStrategic or Co-development PartnerEstablished joint AI laboratory with Shanghai Jiao Tong University Computer Science Department in 2019 for collaborative research in financial technology and AI.
• DeepSeekcoreTechnology or IntegrationDeep integration of DeepSeek technology with Qifu Technology's ChatBI product, enabling enhanced AI-native architecture capabilities for financial analysis and decision support.
• National Financial Regulatory Administration (NFRA) and People's Bank of China (PBOC)flagshipOthersSubject to regulatory oversight by NFRA and PBOC. Company operates under new regulations to cap interest rates at 12% by 2027 as part of China's crackdown on consumer lending platforms.

Scale indicators18 records

Recent moves9 records

Expansion highlights5 records

Emerging players

• Akulaku: Akulaku is a Southeast Asian consumer finance and BNPL platform serving underbanked consumers using AI credit scoring. Comparable to Qifu in AI-driven consumer credit for underbanked populations in emerging Asian markets.
• Funding Circle: Funding Circle operates an SMB lending platform in the UK and other markets using data-driven credit decisioning. Comparable to Qifu in the SME lending platform and embedded credit technology space, though focused on developed markets.

Direct peers

• Rong360 Jianzhi Technology: Rong360 operates a financial products recommendation and credit technology platform in China, connecting consumers and small businesses with lenders. Directly comparable to Qifu's platform-based loan matching and credit technology intermediation.
• Yixin Group: Yixin Group provides auto financing and consumer credit services in China, using technology-enabled credit decisioning. Comparable to Qifu in consumer credit intermediation and credit technology platform business.
• WeBank: WeBank is a Tencent-backed digital bank providing consumer microloans and SME credit, using AI-driven risk decisioning. It is the most direct peer in B2C digital lending and inclusive finance credit technology in China.
• LexinFintech Holdings: LexinFintech is a Chinese consumer finance and technology platform serving young consumers and small businesses with installment loans and credit technology services. It directly competes with Qifu Jietiao in consumer credit and serves similar demographics.
• OneConnect Financial Technology: OneConnect is a Ping An-backed B2B fintech providing technology solutions including credit, risk, and AI services to banks in China and Southeast Asia. Directly comparable to Qifu's B2B credit technology and digital banking solutions business.
• Lufax Holding: Lufax is a China-based fintech platform providing small business lending, consumer finance, and credit technology services. It directly overlaps with Qifu in B2B credit technology enablement and B2C inclusive finance.
• Du Xiaoman Financial (Baidu Finance): Du Xiaoman is Baidu's consumer finance and SME credit technology arm, providing AI-driven credit decisioning and inclusive finance services. Directly comparable to Qifu in AI-driven consumer and SME credit platforms.

Broad incumbents

• Ant Group: Ant Group operates Huabei (consumer credit), MYbank (SME lending), and credit technology services in China, directly competing with Qifu in B2C consumer credit, B2B SME lending infrastructure, and credit risk AI. It is a much larger incumbent with broader financial services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries2 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Qifu Technology