The R&D capability of Wise Technology is quite influential in the industry. It is a national high-tech enterprise, with many technical patents and relevant national authoritative certifications, and many senior experts in the financial industry with authoritative technical standards, and nearly half of its members are masters or above from famous universities at home and abroad. Wise Technology has started the R&D operation based on the credit score of alternative big data in China market, which is beneficial to the risk management of financial institutions and the development of inclusive finance. The accuracy and predictive power of its big data scoring have been widely recognized by the market in many practices.