A leading bank in China adopted the Datapower Business Consulting Solution to address the challenges in retail credit digital transformation, including discrepancies between offline context and online decision-making, underutilization of data, and high attrition rates. By streamlining data collection and integrating third-party sources, customer profiles and risk assessments were enhanced.Optimization of the credit granting system improved risk assessment accuracy and efficiency, ultimately reducing credit risks. Key project achievements include:

Application submission efficiency improved by 20%

The approval rate increased by 10% while maintaining the same bad-debt rate

Automated decision-making achieved 100% implementation

This financial business solution promoted BNPL (Buy Now Pay Later) services through integrated online and offline strategies, aiming to enhance users' willingness to purchase mobile phones and boost store transaction volumes. Within four months, the project successfully validated the mobile phone installment consumption process and achieved risk alignment. Continuous improvements included real-time credit approvals and enhanced payment capabilities.. Key project achievements include :

40% increase in smartphone sales,

30% growth in average user spend per purchase,

Improved user experience with app-based features

Since the client resumed operations in 2019, we have proactively addressed challenges such as the epidemic, interest rate reductions, and market changes by providing comprehensive business empowerment services. This end-to-end support has been pivotal in positioning our client as an industry leader.. Key project achievements include:

80% increase in high-quality customer segments,

Deployment of 200+ models for risk, marketing, and retention,

Optimized asset structures to maintain gross profit despite a 25% rate reduction