It is enough if it is greater than or equal to 30 points.

"JD Baitiao" is the industry's first Internet credit payment product, allowing users to enjoy the consumption experience of "consume first, pay later, real-time approval, and installment as you wish". It has quickly become an industry model and laid the foundation for JD. Finance's position as a leading brand in the consumer finance industry.

In terms of positioning, "Jingdong Baitiao" is a credit payment service that uses big data to conduct credit assessment and provides users with high credit ratings and consumer needs.

Users can enjoy use-now-pay-later and installment shopping services on JD.com for up to 24 installments. Bills can also be paid in installments and minimum repayments, and the interest rate is lower than that of bank credit cards. JD Financial Consumer Finance has over 100 million users.

Introduction:

While JD Baitiao brings convenience to users, it also pays great attention to the security issues of users being stolen and swiped by JD Baitiao. During the entire process of account login, activation, transaction, and information modification, JD Digits’ Tiance decision-making engine system, Tiandun account security and anti-fraud system, and Tianwang transaction risk monitoring system perform background security scans on each account behavior. Calculated in real time.

Identifying malicious behaviors and high-risk orders, and connecting with the mall distribution system to intercept high-risk orders in the last mile of delivery, JD Baitiao anti-theft brushing is a unique advantage in the industry.

Reference for the above content: Baidu Encyclopedia-Jingdong Baitiao