LexinFintech is a leading credit technology-empowered personal financial service enabler. Its mission is to use technology and risk management expertise to make financing more accessible for young generation consumers. LexinFintech strives to achieve this mission by connecting consumers with financial institutions, where its facilitate through a unique model that includes online and offline channels, installment consumption platform, big data and AI driven credit risk management capabilities, as well as smart user and loan management systems. LexinFintech also empowers financial institutions by providing cutting- edge proprietary technology solutions to meet their needs of financial digital transformation.