According to public information, 5 1 credit card launched iCredit, a big data risk control system product, and 5 1 credit card said that "relying on the company's over 100 million users and massive big data, it has formed nearly 10,000 risk control variables in more than 20 dimensions and provided one-stop full-process risk management services".
However, 5 1 credit card never disclosed its data source, or stated that it effectively audited the compliance of the data source.
Its financial report for the first half of 20 19 shows that the total amount of credit matching of 5 1 credit card in the first half of the year was1383.3 billion yuan, an increase of 6.5% compared with the same period last year, and the number of credit matching transactions increased by 27.3% compared with1kloc-0.00 billion in the same period last year. Among them, the loan matching amount of institutional funds was 4.83 billion yuan, a substantial increase of 339.3% compared with 654.38+99 billion yuan in the same period last year. At the same time, the proportion of institutional funds in credit matching business has also increased significantly, reaching 50.5% in June 20 19, exceeding the proportion of individual investors' funds. The financial report predicts that the proportion of institutional funds in the future credit matching business will continue to increase.
In the semi-annual report disclosed in August, 5 1 Credit Card claimed to have reached cooperative partnerships with more than 100 banks, consumer finance companies, trust companies and other financial institutions.
According to several media reports, since September, many big data service companies in Hangzhou have been exposed to shut down the reptile business, and the responsible persons have been taken away for investigation. At present, the website of Capricorn Technology cannot be opened. Juxinli, a well-known third-party data service company in the industry, announced to users that it would stop providing user-authorized operator crawler services from 2065438+September 6, 2009. Tongdun Technology, an earlier financial big data service company in China, also confirmed to the outside world that the magic box operated by Xinchuan Technology stopped serving.
In the first half of 20 19, the income of 5 1 credit card exceeded1400 million yuan, an increase of 9.8% over the same period of 20 18; The adjusted net profit was 309 million yuan, up by 12.9% from 273 million yuan in the same period of 20 18. The number of registered users of 5 1 credit card housekeeper APP increased from 68.9 million as of June 30th, 200018 to 83.4 million as of June 30th, 200019; The number of pipe cards increased from1.186,000 as of June 30, 2065438 to138,700 as of June 30, 2065438.