360 Finance

What 360 Finance does

360 Finance, now operating as Qifu Technology (NASDAQ: QFIN), is a China-based AI-driven consumer and SME credit platform that operates a hybrid B2B-B2C model. The company was established in 2016 as the financial technology affiliate of internet security conglomerate 360 Group, and went public on NASDAQ on December 14, 2018. Its core consumer products — 360借条 (360 Jietiao) for personal credit, 360小微贷 (360 Xiaoweidai) for small/micro-enterprise working capital, and 360分期 (360 Fenqi) for installment payments — are delivered through mobile apps and WeChat/Alipay mini-programs to underserved consumers and small business owners across China.

Underlying these products is a proprietary AI technology stack organized into four modules: 智能风控 (Intelligent Risk Control) covering pre-loan review, mid-loan monitoring, and post-loan management; 智能语音 (Intelligent Voice) covering IVR, voice robots, automated quality inspection, and phone assistants (claimed to reduce manual review time by over 85%); 智能营销 (Intelligent Marketing) for media aggregation, targeting, and anti-fraud traffic filtering; and 智能催收 (Intelligent Collection) for compliant automated outbound calling. The platform is supported by wholly-owned licensed subsidiaries holding a network microcredit license (Fuzhou 360 Network Microcredit, 2017) and a financing guarantee license (Fuzhou 360 Financing Guarantee, 2018), and is integrated with 360 Group's 1+ billion-device security ecosystem for data and distribution.

The business model is primarily a transaction-fee model: 360 Finance monetizes by providing AI risk management, credit assessment, and digital lending technology to 141 partner financial institutions (banks, insurance companies, internet finance firms), earning service fees on loans facilitated through the platform. As of disclosed cumulative metrics, the platform has served over 200 million registered users, facilitated more than 12,106 billion CNY in inclusive credit, and supported over 434,000 small and micro enterprises. Reported revenue has stabilized in the $2.0B-$2.6B range across 2020-2024, making this a mature, profitable fintech at meaningful scale rather than an early-stage venture.

Name

360 Finance

Legal name

福州三六零网络小额贷款有限公司

Website

https://360shuke.com

Company type

Public

Founded year

2016

Operating status

Operating

Headcount range

251–500 employees

Short description

360 Finance (Qifu Technology, NASDAQ: QFIN) is a China-based AI-driven fintech platform providing consumer and SME lending products and AI-powered risk, voice, marketing, and collection technology to 141 partner financial institutions, serving 200M+ registered users.

Ownership category

akta.pro rank

Product category

Digital Consumer Finance

NAICS

Activities Related to Credit Intermediation (5223), Credit Card Issuing (522210), Sales Financing (522220), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Short-Term Business Credit Institutions (6153), Finance Services (6199)

akta.pro primary industry

Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

akta.pro secondary industries

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), P2P Credit Lines / Revolving Marketplace Lending (FSAKAHAK)

Keywords

• Consumer lending platform
• AI risk management
• SME microcredit financing
• Fintech technology services
• Digital installment loans

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Technology service fees from financial institutions: 360 Finance generates revenue by providing AI-driven risk management, credit assessment, digital lending technology, and operational support services to partner financial institutions (banks, insurance companies, internet financial institutions). The company earns service fees based on loans facilitated through its platform. This is the primary revenue stream.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

360 Finance operates an AI-driven consumer and SME lending platform that provides instant credit (360借条), working capital microloans to small businesses (360小微贷), and installment payment services (360分期). The company also licenses its proprietary AI technology stack—including intelligent risk control, intelligent voice, intelligent marketing, and intelligent debt collection—to 141 partner financial institutions such as banks, insurance firms, and internet finance companies.

Product overview

360 Finance (360数科, rebranded to 奇富科技 in 2023) operates as an AI-driven fintech platform offering consumer and SME lending products (360借条, 360小微贷, 360分期) alongside enterprise-grade AI modules. The core products include consumer lending, SME financing, and installment payment services. These are supported by proprietary AI technology modules for intelligent risk control, voice AI, marketing automation, and debt collection—serving both direct consumers and financial institution partners.

Differentiator

Problem solved

Functional benefit

Products and services

• 360借条 (360 Jietiao) AI-powered consumer lending platform offering instant credit access to individual users, integrating intelligent risk control, voice-based customer service, and digital lending workflows for personal consumption needs.
• 360小微贷 (360 SME Loan) Specialized SME/micro-enterprise loan product providing working capital financing to small business owners, individual merchants, and farmers with quick approval and flexible revolving credit repayment options.
• 360分期 (360 Installment) Installment payment service enabling consumers to purchase goods and services through structured installment plans.

Quantifiable outcome

• Over 2 billion registered users served
• +5 more outcomes

Named customers7 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability8 records

Feature4 records

Partnerships

One partnership is on record.

• 360 Group (奇虎360)coreStrategic or Co-development Partner360 Group is the parent ecosystem and brand partner. 360 Finance (奇富科技) is the financial technology partner of 360 Group. The company leverages 360 Group's internet security technology, brand recognition, and access to over 1 billion connected devices for risk management and fraud detection. 360 Group's 15+ years of security experience provides the technology foundation for financial business security.

Scale indicators6 records

Recent moves12 records

Expansion highlights5 records

Direct peers

• JD Digits (JD Technology): JD.com's fintech arm providing consumer and supply-chain credit with proprietary AI risk management. Overlaps directly with Qifu's intelligent risk control approach and bank-rail digital lending partnerships.
• WeBank: Tencent-affiliated digital bank offering AI-driven consumer and SME credit to WeChat users. Comparable in business model (digital-first, AI underwriting, partner-bank distribution) and target segments to 360 Finance.
• Lufax Holding: NYSE-listed Chinese fintech platform historically focused on P2P/online lending to SMEs and consumers with its own risk scoring. Comparable in target borrower segments and digital credit intermediation model.
• Ant Group (Alipay/Huabei/Jiebei): China's largest digital consumer-credit and SME lending platform, operating inside Alipay with its own AI risk models and partner-bank distribution model. Closest direct comparable to Qifu's consumer and SME lending, embedded finance, and risk-as-a-service stack.
• Ping An OneConnect Bank: Ping An's fintech-as-a-service arm providing AI risk, digital lending infrastructure, and SME credit modules to banks and insurance carriers. Highly comparable B2B fintech technology offering.
• Yiren Digital: NYSE-listed Chinese consumer finance provider using AI-based risk management to serve prime and near-prime borrowers through partner institutions. Overlaps directly with Qifu's risk-engine + partner-bank model.
• Vcredit Holdings: China-headquartered consumer finance company with online and offline channels, working with partner banks on credit decisioning. Comparable in serving credit-light consumers and SMEs across Chinese tier-1 to tier-3 cities.
• LexinFintech (now Leqi Smart Commerce): Chinese consumer credit fintech historically offering installment loans to young, underbanked consumers through partner banks. Direct comparability in customer base, revolving credit product, and AI-driven underwriting.
• PPDAI Group (Ppdai / FinVolution): NYSE-listed Chinese online consumer lending platform with AI-based credit assessment serving similar underserved borrowers via partner financial institutions. Closely matches Qifu's P2P-style facilitation and risk technology orientation.

Broad incumbents

• Affirm Holdings: US-listed installment credit fintech providing BNPL and risk-as-a-service to merchants and banks. Useful global comparable for AI-driven consumer credit underwriting and partner-bank distribution, though anchored in US retail/ecommerce rather than Chinese microcredit.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries2 records

Funding overview

Funding rounds4 records

Investors10 records

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

M&A

Investments1 record

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

Frequently asked questions about 360 Finance