Lingyun going to sea | 10 jump &huawei cloud: jointly help Africa's inclusive financial services

As a long-term technical service company in the field of financial technology , One zero jump Based on Service Finance 、 Technology enables two pillar industries , Focus on smart consumer finance 、 Smart wealth management 、 Smart asset investment 、 Artificial intelligence technology 、 Big data analysis 、 Six parts of intelligent risk control system , In China, it has supported and served many Inclusive Finance with a complete risk control and technical team 、 Consumer finance 、 Wealth management and many other forms of financial technology start-ups , Accumulated profound business experience . It provides front-end to back-end services for customers in the financial field , modularization 、 Normalization 、 Standardized services , Help customers quickly build business systems , Achieving business goals .

Decision layout , Sail to sea

As the domestic business model matures , To expand the market 、 Preparing for overseas war has become a must for a zero leap forward .

2017 year , Zero jump is based on time difference 、 Poor information 、 Market trend and business attribute judgment , Decide on the layout of going to sea , And target Southeast Asia 、 South Asia 、 Latin America 、 East and West are not emerging markets that are in the upward cycle , For its fintech sector , Give full play to the enabling advantages of financial technology . At the beginning of sailing , Instead of starting from scratch , One zero jump has taken a more secure route , It refers to the mature business model and experience that have been done in China , Copy to overseas .

According to the investigation , Southeast Asia's inclusive financial market is active in economic activities 、 There is a great demand for personal credit loans 、 The customer group is healthy 、 The customer is willing to perform the contract , At that time , When there is no local financial institution to meet the needs of users , A typical blue ocean market is in front of us , Southeast Asia has become the first market to be opened up by one zero leap .

The first station at sea ,2018 Beginning of the year , A zero jump landing in Indonesia , With local licensees SURFIN To enter into a strategic partnership , Released PinjamYuk product , In that year, the company achieved good operating conditions and considerable profits . Subsequently, the company launched its business in emerging markets in Africa and other regions .

 

As of now ,SURFIN Has served worldwide 2700 More than 10000 users , The cumulative satisfaction of 351 Million users 10 A $billion borrowing demand .

When a certain development mode or business model is verified to be feasible , A large number of players will rush into the market to take a share . China's digital technology has begun to move more and more towards Southeast Asia 、 South Asia 、 Latin America 、 Emerging economies such as Africa . thus , A large number of homogeneous products have begun to appear in overseas markets , There are even players who manufacture product applications in batches and Party B's companies that provide risk control enabling services . Some obvious problems are also beginning to emerge ： For example, the rise of market costs 、 The decline of customer group quality 、 Rapid intervention of supervision, etc .

In response to the above challenges , One zero jump should calmly deal with the following three aspects ：

• firstly , Have a professional risk control team 、 Profound risk control experience , And risk control personnel 、 Risk control technology 、 The three key factors of external cooperation are completely independent .
• second , Adhere to the idea of using data analysis as a decision guide . User behavior analysis based on big data 360 Degree user portrait , Layer users ; Use intelligent advertising to analyze 、 Put on the , Achieve precision marketing .

• third , In the field of financial science and technology , One zero leap provides customers with modularization from front end to back end 、 Normalization 、 Standardized services , Help customers build business systems , Achieving business goals . On the front side , and SURFIN Cooperate to launch certificate detection ,OCR Identification and other general toolkits ; On the rear side , Continue to provide efficient tools and solutions to partners ; In the middle , One zero jump provides such as AI The ability of intelligent voice conversation , In intelligent voice collection , Intelligent customer service system , Areas such as analysis of users' willingness to repay have begun to be gradually implemented and formed productivity .

 

Join hands with Huawei cloud , Empowering customer protection

Facing increasingly fierce competition , On the one hand, the "one zero leap" will consolidate the achievements made in the field of Inclusive Finance , And continue to strengthen compliance 、 Standardization 、 Long term ; On the other hand , Also actively explore new areas and partners .

In expanding its business in Africa, one zero leap found , There is a large area of power failure in the city , And the local infrastructure construction is relatively backward ：

• At the level of Internet penetration , Among the major countries in sub Saharan Africa , Except South Africa , Most countries 、 Regional Internet penetration is lower than the world average ;
• At the network rate level , The mobile network rate and fixed network rate of Southern African countries are higher than the world average （15Mbps Mobile network rate 、113.25Mbps Fixed network rate ） There is a certain gap .

 

On the whole , At this stage, network development in sub Saharan Africa is still relatively backward , This has obviously become a major problem affecting the business continuity of Chinese enterprises going to sea .

But the growth derived from strong demand , Combined with the low base of mobile Internet users , Let the whole southern Africa quickly become a blue ocean for development . China 、 Europe and other countries and regions have begun to assist Africa in building digital facilities and optimizing digital services , at present , Huawei has cooperated with the southern African communication regulatory Association in ICT training 、 Technical support 、 Digital inclusion and other multi-dimensional cooperation , Help to continuously improve its network level , Provide a better market for Chinese enterprises to go to sea . 

Huawei cloud has also deployed a computer room network in southern Africa , Through South Africa Region、 Kenya 、 Nigeria POP spot , Achieve pan sub Saharan Africa regional coverage , Huawei cloud has two advantages ：
1. Highly reliable 、 Low delay network connection

Realize the surrounding of South Africa 、 Three around Kenya and Nigeria 100ms Delay loop , Low delay cloud services ensure the stable and high-quality operation of Internet businesses .

Cloud connectivity services quickly and efficiently connect high-quality networks between southern Africa, China and the Asia Pacific region , Realize efficient interconnection of Internet services at home and abroad , Help Internet enterprises achieve global service convergence , Reduce the cost of business going to sea and management complexity .

2. Full display of products, services and solutions

Huawei cloud provides full stack product service capabilities and solution capabilities , It can help Internet enterprises go to the cloud efficiently .

However, there are more considerations when choosing Huawei cloud —— Huawei cloud has a public cloud platform deployed locally in Africa , High availability architecture 、 Low latency 、 Good use experience and other advantages .

Under multiple positive factors , 10 leap chose Huawei cloud to support it in providing high-quality inclusive financial services to tens of millions of families in Africa , Solve your worries . Huawei Cloud Security compliance 、 High service availability 、 Elastic and expandable 、 Agile iteration 、 Five aspects of the latest cloud native technology , Achieve business objectives for one zero jump , Provides comprehensive protection and empowerment ：

 

• Safety compliance ： The global 80+ Security compliance compliance and practices , Meet the personal privacy protection and financial compliance requirements of African countries ; Effective fraud prevention , Reduce 90% Fraud and attack .
• High availability ： Support the deployment of one zero jump and two activities ;99% SLA.
• Flexible and expandable ： Support zero leap to build cloud native extensible architecture , Take it easy 10000+ Daily order quantity of .
• Agile iteration ： Container combination CI/CD Ability , Help zero jump the rapid evolution of business . The loan review cycle is from week to day , Application access latency is reduced 60%.
• innovation ：AI The blessing , Create an intelligent risk control scenario with "zero leap" ; The intelligent data base supports zero leap wisdom + The strategy is achieved .

 

Set sail in the clouds , Huawei cloud accelerates cross-border business intelligence , By integrating Huawei cloud service capabilities , Collaborative terminal end test technology and ecological partner capability , Build a one-stop global business boosting Solution . Huawei cloud provides a large number of cloud based global products , Layout in multiple geographical regions around the world , Provide full link for enterprises 、 Sea going service for global consistent experience , Help enterprises go to sea without worry , Accelerate the implementation of overseas business , Achieving business success .