1.“JD。 COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment", and has quickly become an industry model, laying the foundation for Jingdong Finance as a leading brand in the consumer finance industry.
Second, in terms of positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Thirdly, since then, the "White Bar" has also opened up O2O(JD.COM to Home), global purchase and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
Fourthly, the service scene of JD.COM Baitiao has been gradually extended, with nearly 10 million online and offline merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
In addition to providing convenience for users to pay by installments at will, Baitiao launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting all kinds of beautiful and interesting life gadgets for users, and establishing a healthy and quality life attitude with young people.
6. Set up a green channel for stolen brush feedback in the service hotline and establish a special processing flow. Jingdong Financial Customer Service will give priority to verification and handling. For users who are identified as stolen, the repayment responsibility is exempted, and the relevant accounts are treated specially, which will not affect the user's credit information.