What Jianpu Technology does

Jianpu Technology Inc. operates the leading independent open platform for discovery and recommendation of financial products in China, marketed under the Rong360 brand. Founded in 2011 and headquartered in Beijing, the company connects Chinese retail consumers with banks, insurance companies, consumer finance firms, and other financial service providers through a personalized search and recommendation interface. As of December 31, 2018 the platform aggregated 116 million registered users, more than 2,500 financial service providers, and over 250,000 financial products spanning loans, credit cards, and wealth management. Beyond consumer-facing recommendations, Jianpu offers big data risk management, intelligent marketing, and integrated digitalization solutions directly to financial institutions, extending its data and AI stack into enterprise workflows. The firm also operates a wholly-owned insurance brokerage subsidiary acquired in 2019 and has secured three Indonesian registrations (financial marketplace, credit scoring, and verification technology) supporting limited Southeast Asia operations.

The business model is asset-light and intermediation-driven: Jianpu does not underwrite credit or hold inventory of financial risk, instead earning transaction fees on product recommendations (79.3% of H1 2025 revenue), subscription-style fees through its Digital Intelligence as a Service line, and fees from marketing and other value-added services. The core technology stack combines the proprietary Personalized Search and Recommendation Engine with Big Data Risk Management Solutions, leveraging third-party data from credit information providers, payment companies, and e-commerce platforms alongside first-party user and provider data. H1 2025 revenue reached RMB557.6 million (US$77.8 million), up 29.9% year-over-year, driven by a 52.7% surge in loan recommendation volumes that was partially offset by the April 2025 wind-down of credit card recommendations and deconsolidation of Anguo within marketing services.

Jianpu listed on the NYSE in 2017, delisted in March 2024, and now trades on OTCQB under AIJTY. The company is being repositioned toward cash generation and capital return: a special cash dividend was approved in August 2025 alongside wind-downs of credit card recommendations and other non-core activities, and the company held RMB651.7 million (US$91.0 million) in cash, time deposits and restricted cash as of June 30, 2025. Leadership transitioned in October 2025 with founder Daqing (David) Ye moving from CEO to Chairman and co-founder Caofeng Liu assuming the acting CEO role; a new CFO, Xun (Amy) Zhang, was appointed effective August 1, 2025. Headcount stood at 339 employees as of December 31, 2024, indicating a lean operating posture.

Name

Jianpu Technology

Legal name

Jianpu Technology Inc.

Website

https://ir.jianpu.ai

Company type

Public

Founded year

2011

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Jianpu Technology operates the leading independent open platform in China for discovering and recommending financial products, connecting 116M+ registered users with 2,500+ financial service providers through an AI-driven matching engine and big data risk management solutions.

Ownership category

akta.pro rank

Product category

FinTech Marketplace and Digital Intelligence Platform

NAICS

Computer Systems Design Services (541512)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH)

akta.pro secondary industry

Identity, Fraud & Insurance-Specific RegTech Platforms (FSAGAGAJ)

Keywords

• Financial product discovery
• Risk management solutions
• Intelligent marketing services
• Credit underwriting analytics
• Personalized recommendation engine

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Recommendation Services: Provides personalized search results and recommendations connecting users with financial products including loans and credit cards. Primary revenue driver with 79.3% of H1 2025 revenues. Revenues increased 52.7% year-over-year driven by higher loan recommendation volumes, partially offset by wind-down of credit card recommendation business in April 2025.
2. Digital Intelligence as a Service: Provides data- and analytical-based risk management, intelligent marketing, and integrated solutions to financial and non-financial partners. Revenue increased 38.3% year-over-year due to expanded customer base.
3. Marketing and Other Services: Marketing services and other value-added services. Revenue decreased 37.7% year-over-year due to deconsolidation of Anguo and wind-down of certain non-core business activities.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Jianpu Technology operates an independent, open, asset-light financial technology platform — branded Rong360 — that uses proprietary big data and AI matching algorithms to deliver personalized search results and recommendations, connecting users with loans, credit cards, wealth management products, and other financial offerings from third-party providers. For financial and non-financial partners, the company provides Digital Intelligence as a Service, including data-driven risk management, intelligent marketing, and integrated digital transformation solutions to improve customer acquisition, underwriting, and operational efficiency.

Product overview

Jianpu Technology Inc. operates a leading open financial technology platform under the Rong360 brand, connecting users with an extensive spectrum of financial products and services. The company offers a unified platform that provides personalized search results and recommendations for financial products (loans, credit cards, wealth management), along with digital intelligence as a service including data-based risk management and intelligent marketing solutions for financial service providers. The core offering centers on the Rong360 platform with recommendation services as the primary revenue driver, supplemented by digital intelligence as a service modules and marketing services.

Differentiator

Problem solved

Functional benefit

Products and services

• Rong360 Open Financial Product Discovery Platform Online and mobile open platform through which Chinese consumers discover and receive personalized recommendations for loans, credit cards, wealth management products, and other financial offerings from third-party providers; also used by financial service providers to reach and serve target customers.
• Recommendation Services Personalized financial product search and recommendation services that match users with loan and credit card products from third-party providers based on their financial needs and credit profile; the company's primary revenue driver at 79.3% of H1 2025 revenues.
• Digital Intelligence as a Service Subscription-based suite of data- and analytical-driven risk management, intelligent marketing, and integrated digital transformation solutions sold to financial service providers to improve customer acquisition, underwriting, fraud detection, and operational efficiency.
• Marketing and Other Value-Added Services Marketing services and other value-added solutions delivered to financial and non-financial partners, with revenue declining in H1 2025 as the company deconsolidated Anguo and wound down certain non-core activities.

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Two partnerships are on record, tiered strategic and core.

• Indonesian Regulatory AuthoritiesstrategicOthers · 1 January 2020Secured three registrations in Indonesia for financial marketplace, credit scoring, and verification technology in 2020 and 2021 as part of Southeast Asia expansion strategy.
• Third-Party Data Partners (Credit Information Providers, Payment Companies, E-commerce Platforms)coreTechnology or IntegrationCollaborates with a wide variety of third-party data partners including third-party credit information providers, payment companies, and e-commerce platforms. These partnerships provide extensive access to data enabling the company's data analytics and proprietary technology capabilities.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Lufax Holding: Lufax is a leading Chinese fintech platform connecting borrowers with financial institutions and providing wealth management products. Directly comparable to Jianpu in operating a China-based open marketplace for loan and financial product discovery, serving both consumers and financial institutions.
• LexinFintech Holdings: LexinFintech (formerly 360 Finance) operates a Chinese online consumer finance marketplace connecting borrowers with financial partners, with similar matching and risk management capabilities. Both companies leverage big data and AI for credit decisioning and operate US-listed parent structures focused on China.
• Yixin Group: Yixin is a Chinese auto-focused fintech platform facilitating loan origination and related transaction services through partnerships with financial institutions. Comparable to Jianpu in operating a transaction-driven platform connecting consumers and financial institutions, with similar VIE structure and US/HK listing profile.
• FinVolution Group: FinVolution is a Chinese online consumer finance marketplace connecting borrowers with institutional funding partners via its platform. Directly comparable to Jianpu in business model — an asset-light online lending intermediary that monetizes loan facilitation and risk management services.
• PPDAI Group (Paipaidai): PPDAI operates an online consumer finance marketplace in China, originating and facilitating loans for retail borrowers. Comparable to Jianpu in serving as a marketplace between Chinese consumers and credit providers with a similar fee-based revenue model.
• LendingTree: LendingTree operates a US-based online lending marketplace connecting consumers with multiple lenders and financial product providers. Functionally analogous to Jianpu in the consumer-facing financial product discovery and recommendation category, though operating in the US market.

Broad incumbents

• Ping An OneConnect: OneConnect provides financial technology-as-a-service solutions to banks and insurers, including digital transformation, risk management, and intelligent marketing. Comparable to Jianpu's Digital Intelligence as a Service offerings for financial institutions, though at much larger scale and as part of the Ping An ecosystem.
• Credit Karma (Intuit): Credit Karma, owned by Intuit, provides consumers with personalized financial product recommendations across credit cards, loans, and insurance. Closely comparable to Jianpu in using consumer data and personalization to drive financial product discovery and lead generation for providers.

Regional players

• WeLab Holdings: WeLab is a Hong Kong-headquartered online lending and fintech platform operating in Hong Kong, China, and Indonesia, with AI-driven credit decisioning capabilities. Comparable to Jianpu in operating a digital lending platform in Asia, with similar presence in Indonesia and AI-led matching technology.

Emerging players

• MoneyLion: MoneyLion is a US-based digital financial platform providing personalized financial product recommendations and embedded finance. Comparable to Jianpu in operating a data-driven, recommendation-oriented financial product marketplace — though US-focused and at an earlier growth stage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/JianpuTech

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors6 records

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

M&A

Investments2 records

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

Frequently asked questions about Jianpu Technology