First, product positioning is different.

1. Online business loans are mainly for small and micro enterprises and individual entrepreneurs.

2. Borrowing cash loan products for ordinary consumers.

Second, the service population is different.

1, online merchant loans serve small and micro enterprises and individual operators.

2. Ants borrow money to serve consumers.

Third, the service delivery methods are different.

1. Online merchant loan service provides open loan services for some small and micro enterprises and some individual operators.

2. Ant loan service Ant Financial Services provides payment services for consumers.

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Baidu encyclopedia-online merchant bank