In addition to the bank's customer base, there is also a large number of long-tailed customers who have yet to be fully satisfied with their consumer credit needs. It is reported that the long-tail group mainly refers to industrial workers, blue-collar workers, junior white-collar workers, or other low-income people. The characteristics of this part of the customer base is more obvious, that is, the number of customers is relatively large, relatively low income, there is a relatively large demand for consumption.

The newest addition to the list is the newest addition to the list, the newest addition to the list, the newest addition to the list.

Under the traditional manual audit mode, consumer finance has low risk control efficiency, slow disbursement, and generally poor customer experience.

To address these issues, Digital Harvest has built a full-process intelligent risk management system centered on data and algorithms with advanced fintech technology advantages.

The system utilizes deep learning technology for image classification, and for incomplete, fuzzy, electronically replicated, strongly reflective, and other types of non-compliant ID photos, real-time discovery and feedback to the user for adjustment, greatly improving the speed of business processing. In the follow-up service link, it can also play a technical advantage to provide users with accurate services.

In the disbursement stage, Digital Harvest Technology has launched the routing decision "Wiener Plan" around the two major goals of improving disbursement efficiency and system security, so as to realize the second disbursement in the case of user's non-perception. At the same time, the operation of the entire system is under real-time intelligent monitoring, for all kinds of abnormalities can be timely response dynamic processing.

The company's signature move is the online operation of the whole process, the second-class rapid lending, and the non-sensory service, which is backed by the advanced big data, AI image detection and other technological support, as well as the powerful whole-process highly intelligent system.

In addition, the company's technology is based on the concept of "proximity to the user" throughout the entire business process, which has resulted in the establishment of an "APP+Customer Service Phone+WeChat" customer service portal that allows users to access the customer service system in a highly efficient manner. The company's customer service robots are available 24 hours a day, 7 days a week, with over 30,000 customer sessions per day, and the upgraded robots are capable of handling more than 80% of the customer's business.

Digital Harvest believes that promoting the development of inclusive finance is the original mission of financial technology.

In the future, the company will continue to broaden the coverage of financial services with the strong support of financial technology, so that more long-tail customers can really enjoy the inclusive financial services.