360 IOU is a credit technology service brand under Qifu Technology (formerly 360 Mathematics Department).

360 IOU is a product of Qifu Technology (formerly 360 main body), which provides financial services including consumer loans by using the core technologies of 360 Group such as Internet security technology and big data analysis. With the help of cloud computing, machine learning, 360 big data and other technologies, the platform objectively evaluates the credit status of users and provides instant loan services.