51 Credit Card

Founded in 2012, 51 Credit Card was listed on the Main Board of the Hong Kong Stock Exchange in 2018. Its business covers three major segments: personal credit management services, credit card technology services, online lending matching and investment services. Under its umbrella are core apps such as "51 Credit Card Manager," "51 Renpin," and "51 Renpin Loan," with over 100 million activated users. The company has been honored with CB Insights' "Global Fintech Unicorn," KPMG's "Top 50 Fintech Companies," and Forbes' "China Internet Finance Top 50," and serves as a council member of the National Internet Finance Association of China, the executive chairman unit of the Hangzhou Internet Finance Association, and the vice chairman unit of the Zhejiang Internet Finance Alliance.

In May 2012, the company developed an app called "51 Credit Card Manager" that can intelligently manage credit card bills with one click. It primarily provides personal credit management services to credit card holders, helping users manage credit cards and household bills such as mortgages, auto loans, and utility bills, while also offering other value-added services. Currently, 51 Credit Card Manager has upgraded its services to provide users with one-stop personal credit management services, covering all aspects of bills encountered in daily life.

Through the high-value user base and personal credit data accumulated by its credit card management platform, 51 Credit Card has gradually developed a dynamic and self-reinforcing ecosystem, offering users one-stop personal financial services that include personal credit management, credit card technology services, online lending matching, and investment services.

On the risk control front, 51 Credit Card has independently developed a comprehensive system called iCredit to enhance its risk management capabilities. The core of iCredit is big data analysis, covering the entire risk control process including anti-fraud, credit assessment, risk measurement, and risk pricing. The system utilizes a vast database containing up to approximately 10,000 potential data variables related to borrowers and processed loan applications, and continuously upgrades its risk management models with new credit data and technologies.

On July 13, 2018, 51 Credit Card was officially listed on the Main Board of the Hong Kong Stock Exchange under the stock code 2051, becoming another new economy concept stock listed in Hong Kong. In the future, 51 Credit Card will always uphold the vision of "making people with credit live better," maintaining its original aspiration and forging ahead with determination.