360shuke.com

What It Is

360shuke.com, now renamed Qifu Technology, is the fintech partner of 360 Group and positions itself as an AI-driven fintech platform. Based on the text, its core business is not a traditional payment gateway or acquiring service, but rather connecting users with financial partners to provide online consumer finance, small and micro business lending, and technology enablement for financial institutions. Its products include 360 Jietiao, 360 Small and Micro Loan, and 360 Installment.

Core Capabilities

According to the disclosed information, the platform has served over 200 million registered users, facilitated more than RMB 1.2106 trillion in inclusive credit, supported 4.34 million small and micro enterprises, and partnered with 141 financial institutions. Its technical focus is on AI, big data, cloud computing, and security capabilities, with particular emphasis on intelligent risk control. This covers identity verification, anti-fraud, pre-loan review, in-loan monitoring, and post-loan management. The official website also describes capabilities in intelligent voice, intelligent marketing, and intelligent collection, such as voice robots, intelligent voice quality inspection, anti-cheating, and compliant collection outbound-call platforms.

Pricing and Compliance

The collected text does not disclose loan interest rates, service fees, overdue fees, institutional cooperation fee models, or technology service pricing, so its actual cost level cannot be assessed. In terms of compliance, the text states that Fuzhou 360 Online Microfinance Co., Ltd. has obtained an online micro-lending license, and Fuzhou 360 Financing Guarantee Co., Ltd. has obtained a financing guarantee license. It also discloses information such as ICP filing, public security filing, and ISO27701 privacy information management system certification.

Pros and Cons

Its strengths lie in its backing from 360’s security expertise, a strong technology narrative and risk-control product matrix, as well as significant scale and numerous financial institution partnerships in small and micro business finance and consumer finance scenarios. Its industry honors are also concentrated in digital lending, anti-fraud, risk control, and fintech. The downside is that the public information on the official website leans more toward brand and capability presentation, lacking details directly useful for procurement evaluation, such as API documentation, integration processes, pricing, and settlement cycles. At the same time, if assessed under the payment/finance category, it is more of a credit-focused fintech provider rather than a payment acquiring or cross-border payment service provider.

Who It’s For and Access from China

It is better suited for individuals or small and micro enterprises with consumer credit or small business loan needs, as well as banks and internet finance institutions that require risk control, anti-fraud, intelligent voice, collection, and marketing capabilities. The official website is registered in China, and based on the text, it should be directly accessible from within China.