JD Digits

In November 2018, JD Finance was upgraded to JD Digital Technology, which consists of JD Finance, JD iCity, JD Nongmu, JD MO Media, and JD Shaodongjia.   The business purpose of JD Digital Technology is to connect financial and physical industries with digital technology, help the industry to improve the level of Internet, digitization and intelligence, promote the development of the real economy and create social value.   With the core technologies of data technology, AI and IoT as the core, JD Digital Technology has completed the comprehensive layout in the fields of digital finance, digital city, digital agriculture, digital marketing, digital campus, etc. In the future, JD Digital Technology will enter more real estate industries while deepening its existing business areas. Prior to rebranding, JD Finance was the financial technology arm of JD.com. It was established in 2013 to give individuals and businesses quick, easy and convenient access to the financial services they need. Leveraging JD.com ’s proprietary data resources, e-commerce expertise and industry-leading risk control systems, JD Finance offered sophisticated financial solutions in areas including financing loans, asset management, payment solutions and crowdfunding. With the JD Zhongchuang ecosystem, a holistic financial and market acceleration ecosystem, JD Finance connected early-stage enterprises with the financing and business development services they needed to grow. JD Finance had established seven major business lines: supply chain finance, consumer finance, crowdfunding, asset management, payment solutions, insurance and securities. It built up China’s leading financial technology ecosystem for enterprises and consumers and launched a range of innovative products, including Jingbaobei, Baitiao, JD Wallet, JD Finance APP, Xiaojinku, JD Microcredit and Xiaobailicai. Based on its core principle of creating long-term social value combined with its corporate values, including dedication, simplicity, perfection, synergy, innovation and user experience, JD Finance extended robust risk control capabilities and established a user-friendly customer account set up and maintenance system. By connecting financial institutions, including banks, securities firms, insurance providers, as well as JD Zhongchuang, JD Finance built a connected platform that integrates resources, reduces business costs and improves the efficiency of the industry as a whole.