1, data-driven business model: CapitalOne takes data as the core and carries data-oriented thinking throughout the entire business system. By combining with marketing, product design, customer service and risk management, it utilizes big data analysis and differentiated strategies to achieve accurate customer screening and fine risk management.

2. Credit card sales and product design: CapitalOne has adopted an innovative approach to credit card sales and product design. Based on big data and user profiling, users are categorized into thousands of types and a learn-by-testing strategy is used. By launching thousands of products for blind test experiments and collecting a large amount of data for analysis, they are able to accurately assess product acceptance, conversion rates, user lifecycle value, and bad debt rates, among other metrics.