360 IOUs will be reviewed according to personal needs, income and credit. 360 IOUs are based on 360 independent third-party credit evaluation management organization-360 Credit Information, which objectively presents personal credit status through technologies such as cloud computing, machine learning and 360 big data. According to the comprehensive consideration of credit risk, payment habit and consumption situation, users are granted different consumption quotas.
The application amount of 360 IOUs is granted according to the behavior of consumption and repayment accumulated by users on the platform. The behavior of users on the platform is dynamic, and the corresponding quantity is also dynamic. When the user behaves well within a period of time and meets the withdrawal policy, the corresponding amount may increase.
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The advantages of 360 IOUs focus on the large number of users, high activity, massive user credit data and behavior data, advanced Internet technology, convenient experience and professional and high-quality team.
360 Group has more than 500 million PC users and more than 700 million smart phone users, and the user usage rate is high. According to third-party statistics, 360 ranks first in mobile security products, PC-side browsers, and Android mobile phone application market operations. ?
As an Internet security company, 360 takes data-driven security as its core competence; In the field of big data, it has a huge amount of user credit data and behavior data, excellent talent reserve and technology accumulation, and has been recognized by international evaluation agencies for many times.
360 IOUs also actively use modern information technology on the Internet to combine advanced face recognition technology with big data approval model to enhance user experience. The face shooting and comparison process can be completed in 5 seconds without any complicated operation by the customer. Combining the face scoring application in the background, the real identity of the customer can be locked on the basis of integrating other credit reporting methods, which can bring more efficient experience to the customer.
At the same time, 360 IOUs have established strategic cooperative relations with a number of licensed financial institutions. ?
As one of the largest Internet security companies in China, 360 has a leading high-level security technology team in China. On this basis, a number of senior personnel who have been deeply involved in the financial industry for many years have been introduced from large financial institutions such as Ping An, China Merchants Bank, Bank of Communications and Bank WeChat.
Reference: Baidu Encyclopedia -360 IOUs