First, "JD. COM White Strip is the first Internet credit payment product in the industry, which allows users to enjoy the consumption experience of "consumption first, payment later, real-time approval, and arbitrary installment", and has quickly become an industry model, laying the foundation for Jingdong Finance as a leading brand in the consumer finance industry.
Second, in terms of positioning, "JD. COM White Strip is a credit payment service for users with high credit rating and consumer demand through the credit evaluation of big data. Users can enjoy the service of paying first and shopping in installments in JD.COM Mall, with a maximum of 24 installments. Bills can also be repaid in installments, with the lowest repayment rate and lower execution rate than bank credit cards. Jingdong Finance Consumer Finance has opened more than 1 100 million users.
Thirdly, since then, "White Bar" has also opened up O2O(JD.COM to Home), global shopping and product crowdfunding within the JD.COM system, and then gradually covered the fields of renting, tourism, decoration, education, wedding and so on, extending from credit house purchase service to providing credit consumption loans, covering more consumption scenarios and providing credit consumption services for more consumers.
Fourthly, the service scene of JD.COM Baitiao has been gradually extended, with nearly 10 million online and offline cooperative merchants, covering life and entertainment, business travel, education and training, communication, leasing and other industries. Cooperate with the bank to co-sign the electronic account "White Strip Flash Payment", expand the white strip payment to offline through NFC technology, and further broaden the use scenarios of white strip payment by binding WeChat payment.
Fifth, in addition to providing users with the convenience of paying by installments at will, Baitiao also launched the official creative product store-Time Grocery Store, adhering to strict aesthetic standards and quality standards, creating and selecting all kinds of beautiful and interesting life gadgets for users and establishing a healthy and quality attitude towards life with young people. Sixthly, JD.COM White Stripes not only bring convenience to users, but also pay great attention to the safety of users being stolen by JD.COM White Stripes. In the whole process of account login, activation, transaction and information modification, JD.com's Ce Tian decision engine system, Tiandun account security and anti-fraud system and Skynet transaction risk monitoring system conduct background security scanning on each account behavior, calculate in real time, identify malicious behavior and high-risk orders, and get through to the mall distribution system to intercept the last mile high-risk orders. JD.COM white anti-theft brush is a unique advantage in the industry.