LexinFintech Holdings, Ltd. is a leading online consumption and consumer finance platform for educated young professionals in China. LexinFintech provides a range of services including financial technology services, membership benefits, and a point redemption system through its Fenqile ecommerce platform and Le Card membership platform. LexinFintech works with financial institutions and both online and offline brands and retailers to provide a comprehensive consumption ecosystem catering to the needs of young professionals in China. LexinFintech utilizes advanced technologies such as big data, cloud computing and artificial intelligence throughout its services and operations to better serve its customers. The use of these technologies encompasses the company's risk management and loan facilitation systems, which allow for the near-instantaneous matching of users' funding requests with offers from over 100 potential funding partners.