Jay Wenjie Xiao, LexinFintech CEO, shares how he started the company, and how it leverages AI and big data to enable sustainable lending to China’s growing segments of underserved young adult consumers
Login
Enter username and password to log on:
Subscribe now
Fill in the form below to get instant access:
Already have account ? Login here
OR
- Abdy Salimin
- Adinata Widia
- Adrian Smith
- Ahmed Tabaqchali
- Aishwarya Srinivasan
- Ajit Kanagasundram
- Alain Falys
- Alan Huse
- Alasdair Rambaud
- Ala’a Eraiqat
- Alexander Honchar
- Alexander Tsigutkin
- Alfian Sharifuddin
- Alicia Garcia Herrero
- Amar Singh
- Amrish Rau
- Amrit Kumar
- Ana Chubinidze
- Andrew Agbo-Madaki
- Anthony Jenkins
- Anthony Koh
- Aravinda Perera
- Asit Oberoi
- Axel Winter
- Banthoon Lamsam
- Barbaros Uygun
- Barney Frank
- Ben Chisell
- Benjamin Soh
- Betty DeVita
- Bill Gates
- Bobby Lee
- Bob O’Keefe
- Boon Ping Foo
- Brad van Leeuwen
- Brock Blake
- Cedric Jeanson
- Chao Chin Tung
- Charles Chow
- Chen Chun
- Chen De
- Chris Langlois
- Christine Sterk
- Christopher Re
- Claus Richter
- Clayton McDonald
- Colin Dinn
- Craig Fenwick
- Daniel Hoyoung Yun
- Daniel Lee
- Darren Taylor
- David Becker
- David Chance
- David Grammig
- David Malligan
- David Shrier
- David Whiteing
- Deepak Dutt
- Deng Xiaoping
- Dennis Khoo
- Devashis Das
- Diane Karusisi
- Dietrich Domanski
- Donald Lacey
- Dr. Zeti Akhtar Aziz
- Dusan Stojanovic
- Eddie Haddad
- Edwin Bautista
- Edwin Reyes
- Emmanuel Daniel
- Emmanuel Goffi
- Eric Barbier
- Eugene Danilkis
- Eugene Tarzimanov
- Faisal Ameen
- Falk Reiker
- Feng Lihua
- Foo Boon Ping
- Genki Oka
- Grace Xie
- Greg Kidd
- Gregory Gibb
- He Cong
- Henry Aguda
- Hogi Hyun
- Hsiao C W
- Huang Yiping
- Hu Hao Qing
- Jacqueline Keogh
- Jacquelyn Tan
- Jafar Amin
- Janine Crisanto
- Jan Lubke
- Jay Wenjie Xiao
- Jed Huang
- Jennifer Scott-Gray
- Jens Lottner
- Jesse Chenard
- Ji Jian Ping
- Jimmy Wales
- Jing Lei
- Jocelyne Chahwan
- Joe Arakkal
- Johan de Wit
- John Donovan
- John Wong
- Jonathan Larsen
- Jr. Nestor A. Espenilla
- Julia Webb
- Justin Yifu Lin
- Justo Ortiz
- Kamarul Ariffin Bin Mohd Jamil
- Karine Hirn
- Kateryna Zelenko
- Ken Wong
- Kevin H W Chang
- Khaled AlMusawi
- K Nanda Kumar
- Kristo Kaarmann
- Kunle Olukotun
- Lars Holst
- Lawrence Wintermeyer
- Lee Kai Fu
- Lei Ming
- Leon Foong
- Lian Ping
- Lisa Vasic
- Loubna Bazine
- Louise Beaumont
- Luca Corsini
- Luu Trung Thai
- M.V. Tanksale
- Mamerto Tangonan
- Marcus Treacher
- Mark Carney
- Mark Cuban
- Mark Evans
- Mark Taylor
- Mark Walker
- Mark Whitcroft
- Mark Zawacki
- Mark Zuckerberg
- Martin Maurer
- Mary Huen
- Mary Stiasny
- Mathew Welch
- Matt Dooley
- Matthew James Bailey
- Matthias Kröner
- Matt Surridge
- Max Koenig
- Mei Lim
- Melvin Ooi
- Michael Bermingham
- Michael Conn
- Michael Correa
- Michael Lim
- Michael Sugirin
- Mobasher Zein Kazmi
- Mohammed Altajir
- Munindra Verma
- Nancy So
- Navin Gupta
- Neeti Aggarwal
- Nguyen Thi Quynh Giao
- Nikolay Storonsky
- Nitin Chugh
- Olivier Crespin
- Omneed Mehrinfar
- Patrik Zekkar
- Paula Da Silva
- Paula Da Silva and Juliette Xue Lascoux
- Paul Allen
- Paul Cobban
- Paul Taylor
- Payong Srivanich
- Pedro Perez
- Peter Hazou
- Peter Ma
- Phang Yew Kiat
- Philip E. Bruno
- Philippe Paillart
- Philipp Pieper
- Pierre Gaudin
- Piyush Gupta
- Pradyumna Agrawal
- Pranav Seth
- Prathit Bhobe
- Radha Pillay
- Rajiv Anand
- Rajnish Kumar
- Ralph Echemendia
- Ram S Sangapure
- Ratikant Sahu
- Reet Chaudhuri
- Rehan Ahmed
- Reuben Wakeley
- Richard Dearlove
- Richard Jackson
- Richard Sandor
- Robert Anghel
- Roberto Ferrari
- Rodrigo Liang
- Roeland van Zeijst
- Roland Brandli
- Romain Nouzareth
- Ron Suber
- R Vivekand
- Ryan Taylor
- Saad Azhari
- Sam Ahmed
- Samir Gupta
- Sam Quawasmi
- Samuel John Mathew
- Samuel Tsien
- Sandeep Malhotra
- Santosh Tripathy
- Saqib Sheikh
- Satoshi Nakamoto
- Shailendra Jain
- Sheetal Mayekar
- Shekhar Bhandari
- Shinjini Kumar
- Simon Beitz
- Soul Hitte
- Soul Htite
- Stefano Nappo
- Stephan Dreyer
- Steve Nouri
- Sudhakar Nibhanupudi
- Sunil Srivastava
- Sun Yat-sen
- Sun Yefang
- Susan HweeLim Kuo Siong
- Suvo Sarkar
- T.G. Ramakrishnan
- Tan Su Shan
- Thomas De Souza
- Thomas Kwan
- Thomas Metzinger
- Tim Berners-Lee
- Tim Berners Lee
- Tim Draper
- Tom Tobin
- Vijay Shekhar
- Vijay Shekhar Sharma
- Vincent Kilcoyne
- Vivek Batra
- Vladislav Solodkiy
- Wang Jian
- Wan Hua
- Will Dawson
- Wong Kok Leong
- Wu Jinglian
- Xie Yonglin
- Xi Jinping
- Yasmin Mahmood
- Yasushi Itagaki
- Yen Y J Yang
- Yvonne Cheong
- Zhang Hui Zhen
- Zhang Qi
- Zhang Weiying
- Zhang Xuqing
- Zhao Xuejun
- Zheng He
- Zhou Xiaochuan
- Zhu Jia Ming
- Jafar Amin
- 650Labs
- Abu Dhabi Commercial Bank
- Adalan AI &AI Governance International
- Adstream
- Affin Bank Group
- African Fintech Network
- AGI
- Airbnb
- Albatross Venture
- Alex Bank
- Alibaba
- Alipay
- AllianceBernstein
- Amazon
- Amazon Web Services
- ANNA
- Ant Financial
- ANZ
- Apple
- Artvision Technologies
- ASEAN
- Asia Frontier Capital Limited
- AsiaVest Partners
- Association of Foreign Banks in Switzerland
- Australia and New Zealand Bank
- Australia and New Zealand Banking Group
- Autonomer
- AWS
- AxiomSL
- Axis Bank
- Azure
- Baidu
- Bangko Sentral ng Pilipinas
- Bank Danamon
- BankMaybank
- Bank Negara Malysia
- Bank of America
- Bank of Beijing
- Bank of Communication
- Bank of Kigali
- Bank Santander
- Barclays
- BDO Unibank
- Better.com
- BitSpread
- Bizfi
- BKash
- Blackrock
- Blockchain@Temasek
- BLOM Bank
- BNP Paribas
- Boeing
- Boston Consulting Group
- BOT
- British Council
- BSP
- BTCC
- Bursa Malaysia
- Canadia
- CCB
- CC Financial Services
- CCU.ai
- CFTC
- CheBanca!
- China Chief Economist Forum
- China Citic Bank
- China CITIC Bank
- China Everbright Group
- China Merchants Bank
- China Private Wealth Dialogue
- Chinese Academy of Engineering
- CIMB
- Citibank
- Citigroup
- Clearly
- Coinbase
- CommVault
- Comvest
- Connected Thinking
- Contour
- Credit China
- Credit China FinTech
- CreditEase
- CTBC Bank
- Cyber Management Alliance
- Danske Bank
- Dash
- DBS
- DBS Digital Exchange
- Decy-4 Technologies
- Deutsche Bank
- Dianrong
- Dispatch Management Services Corp.
- Economist Intelligence Unit
- EDB
- Emirates NBD
- Enterprise Singapore
- Entrepreneur Organisation in Malaysia
- Ether Capital
- Eureeca
- European Investment Bank
- Ever Compliant
- Excellence in Retail Financial Services Programme
- F5 Networks
- Federal Reserve
- Federal Reserve Bank of San Francisco
- Fidor Bank
- Financial Conduct Authority
- Financial Stability Board
- Fintech
- Fiserv
- Forbes Council of Technology
- ForgeRock
- GCash
- GCEX
- GC Exchange
- Gibraltar Stock Exchange
- GITHub
- Global AI Ethics Institute
- Global cybersecurity and privacy thought leader
- GlobaliD
- Goldman Sachs
- Grab
- Grammig Advisory
- H2O.ai
- HDFC Bank
- Health Connect
- Hitachi Vantara
- Hong Kong Exchange
- Hong Kong Monetary Authority
- House Financial Services Committee
- HPA
- HSBC
- Huawei
- Huawei Global FSI Summit 2015
- I2i
- IBM
- ICICI Bank
- Illuminate Financial
- IMF
- Indian Banks' Association
- Information Sharing and Analysis Center
- ING Bank Group
- Innovate Finance
- Institute of Electrical and Electronics Engineers
- International Criminal Police Organization
- Interpol
- Investree
- ISACA UK
- ISO
- J.P Morgan
- JD
- JD.com
- JP Morgan
- Kakaobank
- Kakao Bank
- Kasikorn bank
- Kasikornbank
- Kongsri Bank
- Kotak Mahindra Bank
- Krungthai Bank
- Lendio
- Life.SREDA
- LINE
- Linklogis
- Lombard
- Lufax
- M-PESA
- Malaysia Digital Economy Corporation
- Mambu
- Margaris Venture
- MAS
- Mastercard
- MasterCard Innovation Labs
- Matrix Partners China
- Maybank
- MB Bank
- MB Securities Joint Stock Company
- McKinsey
- McKinsey & Company
- MC Payment
- Microsoft
- Ministry of Industry and Information Technology
- MIT
- Mizuho Bank
- MonetaGo
- Monetary Authority of Singapore
- MoneyOnMobile
- Moody's Analytics
- Moody's Inestors Service
- Moven
- Mox Bank
- MTN Mobile Money
- MUFG
- Nationwide Building Society
- Natixis
- Netflix
- Neurons Lab
- Nium
- NNA
- Nordea
- NTUC Singapore
- OCBC
- OCBC Bank
- Olea
- One Belt One Road
- OneConnect
- Onyx
- Oracle
- Orange Money
- PancakeSwap
- Partior
- Paypal
- PayPal
- Paytm
- Peking University
- PermataBank
- Pine Labs
- Ping An
- Ping An Bank
- Ping An Global Voyager Fund
- Ping An Group
- Plug and Play
- PNB
- Probe Group
- Prosper Marketplace
- PT Bank Mandiri
- Public Debt Management Office
- Punjab National Bank
- Quail Creek Ventures
- Revolut
- Ripple
- RMB World
- Robinhood
- RovaZ.com
- Sampath Bank
- Samsung
- SAP
- Saxo Bank
- SBI
- Scotiabank
- SEC
- Security Bank
- Seguru
- Sequoia Capital
- SGX
- Shinhan Bank
- Shun Feng
- Siam Commercial Bank
- Sibos
- Singapore Exchange
- Singtel Dash
- SmartStream
- SmartStream Technologies
- Smartstream Technologies
- Societe Generale
- SparkLab
- SPDB
- Square
- STACS
- Standard Chartered
- Standard Chartered Bank
- Stanford University
- Starling Bank
- State Bank of India
- State Bank of Vietnam
- Sun Microsystems
- Suntec Business Solutions
- SVP
- Swarm Fund
- SWIFT
- Swiss National Bank
- TB Bank
- TCS Financial Solutions
- Techcombank
- Techcom Securities
- TechUK
- Temenos
- Tencent
- Tezos
- TGV
- Thanachart Bank
- The Asian Banker
- The Excellence in Retail Financial Services Awards
- Thunes
- Tianjin Tasly Pharmaceutical Co. Ltd
- TMB Bank
- Toronto Venture Stock Exchange
- TransferTo
- TransferWise
- Tratok Ltd
- TripleA
- True Global Ventures
- Trusple
- Trust Company of the West
- TSMC
- UBank
- Uber
- UBER
- UniCredit
- UnionBank
- UnionPay
- University of London
- UOB
- UOB TMRW
- US Federal Reserve
- Venmo
- Vietcombank
- Vietnam Post Office
- Vietnam Red Cross
- Virgin Money
- Visa
- VoiceVault
- Wager
- Waze
- WeChat Pay
- Wefox Group
- Wells Fargo
- Westpac
- Wikipedia
- World Bank
- World Trade Organization
- WSMC
- WTO
- Xfers
- Xiaoyusan
- Xinhu Wealth Management
- Yes Bank
- Yoyo Wallet
- Yu’e Bao
- Zhejiang University
- Zhixin Investment Research Institute
- Zighra
- Zilliqa Capital
- May 2022
- April 2022
- March 2022
- February 2022
- January 2022
- December 2021
- November 2021
- October 2021
- September 2021
- August 2021
- July 2021
- June 2021
- May 2021
- April 2021
- March 2021
- February 2021
- January 2021
- November 2020
- October 2020
- September 2020
- August 2020
- July 2020
- April 2020
- March 2020
- February 2020
- November 2019
- October 2019
- September 2019
- July 2019
- June 2019
- May 2019
- April 2019
- March 2019
- January 2019
- October 2018
- September 2018
- August 2018
- July 2018
- April 2018
- February 2018
- January 2018
- December 2017
- November 2017
- October 2017
- September 2017
- August 2017
- July 2017
- June 2017
- May 2017
- April 2017
- March 2017
- February 2017
- January 2017
- December 2016
- November 2016
- October 2016
- September 2016
- August 2016
- July 2016
- June 2016
- May 2016
- April 2016
- January 2016
- December 2015
- November 2015
- October 2015
- September 2015
- July 2015
- January 2015
- December 2014
- November 2014
- June 2014
- May 2014
- November 2013
- October 2013
- August 2013
- August 2010
- China Awards Programme
- China Innovation Tour
- Excellence 2018
- Excellence in Retail Financial Services
- Excellence in Retail Financial Services Awards Dinner
- Excellence in Retail Financial Services Programme
- Huawei Connect Summit
- Huawei Global FSI Summit
- Leadership Awards 2018
- List of Leading Practitioners
- Money 20/20
- Philippine International Banking Convention
- Private Banking and Wealth Management Awards
- Retail Financial Services Awards Programme
- SIBOS
- The Asian Banker China Awards Programme
- The Asian Banker Risk Management Awards Programme
- The Asian Banker Roundtable
- The Future of Finance Summit
- 5g
- 2008 Financial Crisis
- 2020
- : GDP
- Aave protocol
- Aggregator platform
- Agile
- AI
- AICS smart algorithm
- Alipay
- ALMS
- Alternative data
- AML
- Analytics
- Ant Financial
- API
- APIs
- App mb bank
- Arbitrage opportunity
- Artificial Intelligence
- Asean3
- Asian Financial Crisis
- Asset-backed token
- Asset management
- Asset manager
- Assets
- ATM
- Automated clearing house (ach)
- Awards
- B2B
- Balance sheet
- Bank
- Bank advise
- Bank evaluation
- Banking
- Banking as a service
- Banking sector
- Banking technology
- Bank partnerships
- Bankquality.com
- Bank ranking
- Banks
- Basel committee on banking supervision 248
- Basel III
- Betterbanking
- Bidv digi-up – change to lead
- Big Data
- Binance
- Bitcoin
- Bitcoin
- Biz mb
- Blockchain
- Blockchain consortiums
- Block chain technology
- Blockhain
- BNPL
- Bond-in-abox
- Bonds
- Bots
- Branches
- Branch of the future
- Branding
- Brexit
- Broker
- BTCC
- Building
- Business
- CAGR
- Capital
- Capital Account
- Capitalization
- Capital market reform
- Capital Markets
- Capital markets
- Carbon trade market
- Card
- Cards
- Cash
- Cash flows
- Cashless payment
- Cashless payments
- Cash management
- CBDC
- Cbdcs
- CDS
- Cfi
- Challenger bank
- Channel management
- Chim shop chai
- China
- China Awards Programme 2017
- Climate change
- Cloud
- Cloud
- Co2
- COBOL
- Coin
- Collaboration
- Commercial banking
- Commercialization of blockchain technology
- Common prosperity
- Consolidation
- Contactless
- Contactless Payment
- Contour
- Corporate venture capital
- Correspondent banking
- Cost
- Covid-19
- Credit
- Credit card
- Credit Card
- Credit China
- Credit license
- Credit score
- CRM
- Cross-boarder payments
- Cross-border
- Cross-border payments
- Cross-Border Payments
- Cross border
- Crypto
- Cryptocurrencies
- Cryptocurrencies
- Cryptocurrency
- Cryptocurrency
- Cryptokitties
- CSD
- Currencies
- Currency
- Customer-tailored insurance service
- Customer Experience
- Customer growth
- Customer relationship management
- Customers
- Cybercrime
- Cybersecurity
- Cyber Security
- Cybersecurity
- Dapps
- Data
- Data analytics
- Data and analytics
- Data and analytics
- Data framework
- Data management
- Data Security
- DBS
- De-risking
- Decentralised finance
- DeFi
- Deposits
- Dialogue
- Diem
- Digital
- Digital-first
- Digital analysis
- Digital assets
- Digital bank
- Digital banking
- Digital Banking
- Digital capabilties
- Digital currencies
- Digital disruption
- Digital ecosystem
- Digital finance
- Digital infrastructure
- Digitalisation
- Digital kiosks
- Digital lender
- Digital onboarding
- Digital payments
- Digital platforms
- Digital services
- Digital wallet
- Disruptors
- Distributed ledger technology
- Diversification
- DLT
- Dodd-Frank Act
- Dollar
- Domestic payments
- Dragon-head industry
- E-commerce
- E-Commerce
- Economic growth
- Economy
- Ecosystem
- Education
- Ekyc
- Emmanuel Daniel
- Employees
- Enterprise-level league chains
- Entrants
- Entrepreneurship
- ESG
- Esg
- Ethereum
- Ethical hacking
- Excellence in retail financial services awards
- Excellence in Retail Financial Services Programme
- Exchange
- Extreme diversification
- Fake news
- Family offices
- FAST
- Federal budget
- Finance
- Financial assets
- Financial crime control
- Financial crisis
- Financial entrepreneurs
- Financial inclusion
- Financial innovation
- Financial institutions
- Financialisation
- Financial market
- Financial market infrastructure
- Financial revolution
- Financial risk
- Financial services
- Financial services industry
- Financial supply chain
- Financial technology
- Fintech
- Fintech bank
- Fisn
- Flows
- Food production
- Food products
- Foreign Exchange
- Fraud
- Fraud tracking
- Free market economy
- Fund manager
- Future banking
- FX
- G-20
- G2g
- GDPR
- General assembly
- Generational wealth
- Github
- Give app
- Good doctor
- Government push
- Gpi
- Green finance
- Growth
- Hacking
- Health insurance
- Healthtech
- Health wallet
- Hgx
- Huawei
- Hyperledger Project
- ICC
- ICO
- Icos
- Identity
- Identity management
- Immediacy
- Income
- Incumbent
- Industry 4.0
- Inhandao
- Innovation
- Instant payments
- Institutional banking
- Institutions
- Insurance
- Insuretech
- Integration
- Interest rates
- Interest rates derivatives
- Internet
- Internet Banking
- Internet industry
- Internet security
- Internet tsunami
- Interoperability
- Inter regional trade
- Intraday liquidity reporting
- Investment fraud
- Investment management
- Investment research
- Investments
- IoT
- Isin
- ISO 20022
- IT
- Javascript
- Know your customer
- Kodak
- Krungthai connext
- Krungthai next
- KYC
- Largest banks
- Leading
- Legacy platforms
- Lending
- Lending
- Lending technology
- LendIt USA 2017
- Liability
- Libra
- License
- Liquidity
- Liquidity risk management
- Loan marketplace
- Loans
- Lockchain 3.0 infrastructure
- Logistics
- Logistics problem
- Machine learning
- Macroeconomic landscape
- Macroeconomy
- Malaysia
- Market
- Market liberalisation
- Market makers
- Marketplace
- Marketplace lending
- Megawatts
- Merchants
- Mergers & acquisitions
- Micro and small enterprises (MSEs)
- MiFID II
- Military
- Mining
- Mintable
- MIT
- Mizuho Bank
- Mobile banking
- Mobile payments
- Mobile wallets
- Money 20/20
- Mortgage
- Mortgages
- Mox
- National digital transformation programme
- National payments platform
- NBFI
- Ndid
- Neobank
- Neo bank
- Neobanks
- Net promoter score
- Network technology models
- Newpedia
- NFC
- Nft
- NPL
- Npp
- OECD
- Oil and Gas
- Online Banking
- Online lending
- Online marketplace
- Open banking
- Operational risk management
- Optimal character recognition
- P2P
- Pao tang g-wallet
- Paris agreement
- Partior
- Partnership
- Partnerships
- Payment market infrastructure
- Payment market infrastructure (pmi)
- Payments
- Payments
- Payment service providers (psps)
- Payments system
- PDPA
- People
- Personalisation
- Platform
- Platformisation
- Platforms
- Players
- Poc
- Policy
- Policymaking
- Practitioners
- Private banking
- Process
- Project benja
- Project ubin
- PromptPay
- Prosper Marketplace
- PSD2
- Quantitative Easing
- Quickloan
- R&D
- R3
- Real-time payments
- Real-time payment systems
- Recapitalization
- Red Hat
- Regtech
- Regulated
- Regulation
- Regulation
- Regulations
- Regulator
- Regulators
- Regulatory reporting
- Remittance
- Remittances
- Resiliency
- Retail
- Retail banking
- Retail payments
- Reverse factoring
- Risk
- Risk Management
- Risk management
- Risk Mitigation
- Risk regulation
- Risks
- Risk technology
- RMB
- Rmb Internasionalisation
- ROA
- Robo-advisors
- RTGS
- Russia-Ukraine war
- Sambanova
- Sanctions
- SARS
- Scilla
- Securitization
- Security
- Self-learning algorithm
- Services
- Sharding
- Shared economy
- Shock therapy
- Sibos
- Sibos 2018
- Sibos 2019
- Sibos 2020
- Silicon Valley
- Simplypay
- Smart crm
- Smarter cities
- SmartStream
- SME
- Sme financing
- Social media
- Social networks
- Social physics
- Software as a service
- Solidity
- Standardisation
- Start-ups
- Startups
- State-owned company
- State Bank of India
- Stem
- Strategic focus
- Subsidiaries
- Supply chain
- Supply Chain Finance
- Supply chains
- Sustainability
- Sustainable financing
- Sustainable investment
- SVIT 2016 Share
- SWIFT
- Switchio
- Taskforce 22
- Technology
- Telcos
- Telemedicine
- Tesol
- The Asian Banker
- The FoF Summit
- The FoF Summit 2017
- Third-party platforms
- Thung ngern
- TMB
- Tokenisation
- Tokens
- Tourism
- Trade
- Trade digitisation
- Trade Finance
- Trade information network (tin)
- Trading
- Transaction
- Transformation
- Transparency
- Travel industry
- Trust
- Ui
- Underbanked
- Us-china trade frictions
- US Dollar
- Ux
- Venture capital
- Video conferencing
- Video teller machine
- Virtual banks
- Voice biometrics
- Voltron
- Wallet
- We.trade
- Wealth
- Wealth -and- society
- Wealth management
- Wealth preservation
- Weixin
- Wells Fargo
- Wikipedia
- Wikitribune
- Wolters Kluwer
- Working Capital
- Worldwide web
- Xanpool
- Zil
- Zilhive