"White Strip" 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, etc., extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
Extended data:
According to the person in charge of risk control of Jingdong Financial Consumer Finance Division, the consumer finance business has no credit that needs manual approval, and users are identified through the risk control big data model. The control system after the typhoon will "identify" users according to their shopping habits, credit status and the stability of the receiving address. , combined with various factors and data, and then quickly give the evaluation results of whether the "white strip" can be activated.
The evaluation basis of big data model is the accumulation of user data, which needs to be updated dynamically in real time. Therefore, with the more accurate modeling of big data, the probability of user "white bar" activation will also increase. JD.COM Consumer Finance has completed the credit score of nearly 200 million users.