Jianpu Technology AIJTY

Jianpu Technology Inc. operates a leading open financial technology platform under the Rong360 brand, connecting users with a wide spectrum of financial products and services. The company leverages cutting-edge digital technology to offer intelligent search and recommendation results in a convenient, efficient, and secure manner, meeting the needs of its diverse audience. Jianpu Technology Inc. also enables financial and non-financial partners to enhance efficiency and competitiveness through digital intelligence as a service, including data- and analytical-based risk management, intelligent marketing, and integrated solutions.

Jianpu Technology Inc. generates revenue primarily through fees charged to financial service providers for recommendation services on its platform. Revenue is derived from cost-per-action fees for loan product recommendations, where action is typically defined as a user completing a loan application, and from a pre-agreed percentage of loan principal amounts underwritten by financial service providers. Additional revenue streams include credit card recommendation services on a cost-per-success basis, insurance brokerage services, sales and marketing solutions for financial and non-financial service providers, and digital intelligence as a service offerings such as data solutions, modeling solutions, and total solutions for risk management and credit assessment.

The company operates through the following segments: Open Platform Services and Digital Intelligence as a Service.

• Open Platform Services: This segment focuses on the discovery and recommendation of financial products to users, including loan products, credit card products, and insurance products. The platform facilitates matching users with appropriate financial products from banks, consumer finance companies, and other licensed financial institutions. The Rong360 brand is central to this segment, representing the company's identity as an intelligent mobile platform for financial products in China.
• Digital Intelligence as a Service: This segment provides data-, modeling-, and total solutions to financial service providers to enhance risk management, credit assessment, fraud detection, and operational efficiency. Services include data products for improved data and risk-management capabilities, tailored modeling solutions for credit assessment and decisioning, and fully integrated end-to-end solutions that can be embedded into financial service providers' systems. The segment leverages proprietary technology, SaaS-based platforms, and big data analytics to deliver intelligent decision-making tools.

Jianpu Technology Inc. holds a strong position in China's financial technology industry as a leading open platform connecting users with financial service providers. The company competes with other open platforms, major internet-affiliated platforms, and financial service providers that list products on their own platforms. Its competitive advantages include a large and diversified network of financial service providers, proprietary technology for accurate user profiling and product matching, and extensive user engagement through educational content and professional insights.

The company serves a diverse customer base consisting primarily of individual consumers, including many sole proprietors and small and medium enterprises. Financial service providers such as banks, consumer finance companies, insurance companies, and other licensed financial institutions are key customers who utilize the platform to acquire customers and enhance their service offerings. Non-financial partners including e-commerce marketplaces, telecommunication service providers, and merchants also engage with the company for integrated marketing solutions and user acquisition services.