LexinFintech Holdings Ltd.
ir.lexinfintech.comWhat Do They Do?
Connects consumers seeking credit with financial institutions, provides lenders with technology and risk-management services, and runs an installment shopping platform for consumers and merchants.
20-F for FY2025, filed Apr 29, 2026We provide a wide array of credit services, including credit facilitation service, tech-empowerment service, and installment e-commerce…View ↗
Aiming to meet underserved consumers’ credit needs, we apply AI-based matching technology on our Fenqile platform to match consumers having…View ↗
Tech-empowerment serviceView ↗
Leveraging our core capabilities in financial payment, risk management and consumer insights, our Fenqile platform provides services to…View ↗
Who Are Their Customers?
Consumers use its platform for loans and installment purchases; financial institutions work with Lexin on borrower matching, credit screening and loan servicing, while merchants use its shopping platform to reach consumers.
20-F for FY2025, filed Apr 29, 2026Aiming to meet underserved consumers’ credit needs, we apply AI-based matching technology on our Fenqile platform to match consumers having…View ↗
Leveraging our core capabilities in financial payment, risk management and consumer insights, our Fenqile platform provides services to…View ↗
On Fenqile, we offer credit lines to qualified users for their various daily use. We gain insight about our users based on big data and AI…View ↗
We provide technology-driven services to our institutional funding partners, including efficient customer acquisition through online and…View ↗
How Are They Changing?
A new bank-services model
Earlier, Lexin offered banks digital credit services across channel-building, product development and loan operations without taking credit risk. The latest report says it discontinued that legacy service and launched a model in which banks use their own channels, customers and loan products while Lexin provides risk management and guarantees.
20-F for FY2022, filed Apr 26, 2023 20-F for FY2025, filed Apr 29, 2026Levering our core competencies accumulated from nearly a decade of operations, we have built up our capabilities to offer services for…View ↗
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