RESULTS COMPANY PROFILE GOALS - Launch a profitable, new credit business to drive online sales - Succesfully underwrite unbanked and hard-to score customers - World’s third largest retailer - New to consumer credit - New to machine learning 150% initial increase in approval rates 6 MONTH month model production time MAJOR contributor to JD Digits big data and analytics subsidiary Using ML to Launch a Credit Business in China Interested in learning more? Visit our website at ZEST.AI or contact us at PARTNER@ZEST.AI All of China’s top tech firms today offer consumer credit through their apps and websites, but back in 2015 the idea was new. That was when JD.com, China’s secondbiggest online retailer, launched a new personal credit offering to increase online merch

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