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Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users.
core competence
Planarization
Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform.
At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.
Among them, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc.
The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars;
The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene;
The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
Among them, JD Finance has also set up the official store of financial institutions-"Gold Store".
In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost.
intelligentize
Relying on the powerful digital technology capabilities of JD.COM Digital Branch, the parent group of JD Finance, JD Finance has launched highly applied solution-level products including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing through AI technologies such as machine learning, computer vision, voice recognition, and a series of scientific and technological capabilities such as big data and blockchain.
Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize each user's homepage interface and content push according to their daily search content and product usage habits, further reducing the user's selection time and improving decision-making efficiency;
On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions.
At the same time, JD Finance further strengthened its search engine and established a financial "whole network product library". Through search, users can find nearly 60,000 kinds of financial products on the market on the Jingdong financial platform, and only one platform can realize the experience of inquiring and evaluating financial products on the whole network.
Internalization
With the accumulation of high-quality resources in the financial field for many years, JD Finance innovatively built a peanut community with investment education as the core, and opened interactive content forms such as pictures and texts, short videos, questions and answers, live broadcasts and circles, and invited 500 financial giants such as economists, fund managers, investment managers, financial analysts, actuaries and pan-finance KOL to settle in the community to share pan-financial information, wealth management product analysis, insurance product evaluation and personal investment experience.