Malaysia Finance believes that in order to provide financial services to new citizens, it must pass technical standards. Because new citizens are equivalent to white households with financial needs. They work and live in cities and towns, have no stable jobs, and lack real estate. Only by solving the credit problem can we serve new citizens well. Since its establishment, MaMa Finance has always regarded digital full-closed-loop capabilities as a competitive barrier, attaches great importance to exploration in the fields of artificial intelligence, big data, cloud computing and other fields, and has built leading precision service capabilities for personalized needs. It relies on its own big data risk control Technology, under the premise of obtaining user authorization, MaMa Finance has used digital technology to create a more comprehensive "credit profile" of users, established credit records for more than 6.7 million credit-checking households, and launched personalized financial products based on user needs. and services, solving the credit problems of some new citizens from the source.

A series of systems such as intelligent risk control, intelligent customer acquisition, intelligent marketing, and intelligent customer service independently developed by MaMa Finance have increased the accessibility and convenience of financial services, and transformed financial digital actions into products. It has achieved full coverage in urban and rural areas and has been directly implemented into the work and life consumption of new citizens.