1. Online application and process: ZTE Microfinance enables borrowers to conveniently apply for and manage their loans online by establishing an online platform and mobile applications. The borrowing process is more streamlined, eliminating the need for traditional face-to-face applications and large amounts of paper.

2. Big Data Risk Control: ZTE Microfinance utilizes big data and advanced risk assessment models to assess the risk of borrowers in all dimensions, quickly and accurately assessing the credit risk of borrowers and improving the efficiency and accuracy of loan approval.

3. Convenient online service: ZTE Microfinance provides 24/7 online customer service through online platforms and mobile applications, which is convenient for borrowers to make loan inquiries, repayment operations, and loan management.

4. Fintech innovation: ZTE Microfinance continuously promotes fintech innovation, using artificial intelligence, blockchain, cloud computing and other technological means to build an intelligent risk control system, automated processes and digitalized financial services, and to improve service experience and efficiency.

5. Cross-border cooperation and integration: ZTE Microfinance actively cooperates with other financial institutions, technology companies and other industries to realize cross-border integration. By enjoying resources and services with other organizations***, ZTE Microfinance broadens the boundaries of financial services and innovates its products and service models.