China is putting tighter rules around fintech lending, and that could make it harder and more expensive for LexinFintech to grow while pushing loan losses higher. The real question is whether its tech, partnerships, and ability to shift how it funds loans can keep the business steady even as the market gets tougher.Read more
LexinFintech is trying to ride China’s growing middle class and the move to mobile money, using smarter tech to approve more borrowers while keeping losses in check. The big question is whether tougher rules and fiercer competition squeeze its ability to lend and keep profits growing.Read more
LexinFintech bets that heavy use of AI and tighter links between shopping and credit can cut costs, find better borrowers, and keep growth going as more of China moves into cities. The big question is whether tougher rules, pricier funding, and privacy limits slow it down before those advantages really show up.Read more
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LexinFintech Holdings Ltd., together with its subsidiaries, offers online direct sales and online consumer finance services in the People’s Republic of China. The company provides Fenqile, an online consumer finance platform that offers installment loan product, working capital, as well as online direct sales of electronic, home appliance, and general merchandise products with installment payment terms. It also offers technology-driven platform services for financial institution customers and partners; and credit-driven platform services, including customer acquisition, credit screening, and loan collections, as well as guarantee and insurance services. In addition, the company provides Juzi Licai, an online investment platform; technical support and consulting; software development; financing guarantee; and financial technology services. The company was formerly known as Staging Finance Holding Ltd. and changed its name to LexinFintech Holdings Ltd. in March 2017. LexinFintech Holdings Ltd. was founded in 2013 and is headquartered in Shenzhen, the People’s Republic of China.
