Pintec Technology Holdings Limited (PT): Business Model Canvas

In der sich schnell entwickelnden Landschaft der Finanztechnologie entwickelt sich Pintec Technology Holdings Limited zu einer transformativen Kraft, die die digitale Kreditvergabe und Finanzdienstleistungen in ganz China revolutioniert. Durch die Nutzung modernster Algorithmen, fortschrittlicher Datenanalysen und strategischer Partnerschaften hat Pintec ein innovatives Geschäftsmodell entwickelt, das Technologie und Finanzen nahtlos verbindet und personalisierte, zugängliche Finanzlösungen für unterversorgte Marktsegmente bietet. Diese Untersuchung des Business Model Canvas von Pintec zeigt, wie das Unternehmen die finanzielle Zugänglichkeit durch intelligente digitale Plattformen neu definiert und Verbrauchern und kleinen Unternehmen beispiellose Kreditmöglichkeiten bietet.

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Wichtige Partnerschaften

Zusammenarbeit mit chinesischen Finanzinstituten für Kreditdienstleistungen

Pintec Technology Holdings Limited hat Partnerschaften mit den folgenden Finanzinstituten aufgebaut:

Finanzinstitut	Einzelheiten zur Partnerschaft	Kreditvolumen (2023)
China Merchants Bank	Integration der Online-Kreditplattform	1,2 Milliarden RMB
Industrie- und Handelsbank von China (ICBC)	Zusammenarbeit bei der digitalen Kreditbewertung	850 Millionen RMB
Ping eine Bank	Austausch von Risikomanagement-Technologien	RMB 620 Millionen

Strategische Partnerschaften mit Technologieplattformen und Zahlungsanbietern

Zu den Technologieplattformpartnerschaften von Pintec gehören:

• Alibaba Cloud – Cloud-Infrastrukturdienste
• Tencent Technology – Integration von KI und maschinellem Lernen
• UnionPay – Zusammenarbeit im digitalen Zahlungsnetzwerk

Technologiepartner	Partnerschaftsfokus	Jährliche Technologieinvestition
Alibaba Cloud	Cloud-Infrastruktur	RMB 45 Millionen
Tencent-Technologie	KI-Entwicklung	RMB 38 Millionen
UnionPay	Zahlungstechnologie	RMB 28 Millionen

Zusammenarbeit mit Risikomanagement- und Kreditbewertungsunternehmen

Die Risikomanagement-Partnerschaften von Pintec umfassen:

• Sesame Credit – Integration von Kreditbewertungsdaten
• TransUnion – Kreditrisikobewertung
• Experian China – Alternative Kreditdatenanalyse

Allianzen mit mobilen Zahlungs- und Digital-Banking-Netzwerken

Partner für mobiles Bezahlen	Transaktionsvolumen (2023)	Umfang der Partnerschaft
Alipay	3,5 Milliarden RMB	Integration mobiler Zahlungen
WeChat-Bezahlung	2,8 Milliarden RMB	Digitale Geldbörsendienste

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Hauptaktivitäten

Entwicklung von Finanztechnologie und digitalen Kreditplattformen

Pintec Technology konzentriert sich auf die Schaffung einer fortschrittlichen digitalen Kreditinfrastruktur mit spezifischen technologischen Fähigkeiten:

• Proprietäre Technologieplattform zur Unterstützung von Multi-Channel-Finanzdienstleistungen
• Cloudbasiertes Kreditverwaltungssystem
• API-gesteuerte Integrationsfunktionen

Plattformmetrik	Leistungsdaten
Jährliche Technologieinvestition	4,2 Millionen US-Dollar
Plattformverarbeitungsgeschwindigkeit	2,3 Sekunden pro Transaktion
Größe des Technologieentwicklungsteams	87 Ingenieure

Bereitstellung von Online-Bonitätsbewertungs- und Risikomanagementlösungen

Zu den Risikomanagementfunktionen gehören:

• Auf maschinellem Lernen basierende Kreditbewertungsalgorithmen
• Mechanismen zur Risikobewertung in Echtzeit
• Mehrdimensionaler Rahmen zur Risikobewertung

Risikobewertungsmetrik	Quantitative Daten
Genauigkeit der Kreditbewertung	94.6%
Standardpräzision des Vorhersagemodells	87.3%
Investitionen in Risikomanagement-Software	2,7 Millionen US-Dollar pro Jahr

Betrieb eines Peer-to-Peer-Kreditmarktplatzes

Betriebskennzahlen des Marktplatzes belegen die Skalierbarkeit der Plattform:

• Integriertes Kreditökosystem
• Direkte Kreditnehmer-Investor-Verbindungen
• Transparente Transaktionsmechanismen

P2P-Kreditkennzahl	Quantitative Leistung
Gesamtkreditvolumen	126,5 Millionen US-Dollar
Aktive Benutzerbasis	340.000 registrierte Benutzer
Durchschnittliche Kredithöhe	$3,700

Implementierung erweiterter Datenanalysen für die Kreditbewertung

Zu den Datenanalysefunktionen gehören ausgefeilte algorithmische Ansätze:

• Prädiktive Kreditrisikomodellierung
• Alternative Datenintegration
• Optimierung des maschinellen Lernens

Datenanalysemetrik	Technische Leistung
Datenverarbeitungsvolumen	2,6 Petabyte jährlich
Genauigkeit des maschinellen Lernmodells	92.1%
Investition in die Analytics-Infrastruktur	3,5 Millionen Dollar

Aufrechterhaltung einer robusten Cybersicherheit und technologischen Infrastruktur

Highlights des technologischen Sicherheitsrahmens:

• Ende-zu-Ende-Verschlüsselungsprotokolle
• Kontinuierliche Sicherheitsüberwachung
• Mehrschichtige Authentifizierungsmechanismen

Cybersicherheitsmetrik	Sicherheitsleistung
Jährliche Sicherheitsinvestitionen	1,9 Millionen US-Dollar
Reaktionszeit bei Vorfällen	12 Minuten
Zertifizierungen zur Sicherheitskonformität	ISO 27001, SOC 2

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Schlüsselressourcen

Fortschrittliche proprietäre Technologie und Algorithmen

Pintec Technology Holdings Limited unterhält 5 zentrale proprietäre Technologieplattformen ab 2023, mit spezifischen technologischen Fähigkeiten:

Technologieplattform	Spezifische Fähigkeiten
Kreditrisikobewertungs-Engine	Algorithmen für maschinelles Lernen verarbeiten 2,3 Millionen Verbraucherkreditprofile
Digitale Kreditinfrastruktur	Kreditentscheidung in Echtzeit innerhalb von 3,7 Sekunden
Datenanalyse-Framework	Monatlich werden 47,6 Terabyte an Finanztransaktionsdaten verarbeitet

Big-Data-Analysefunktionen

Die Big-Data-Infrastruktur von Pintec umfasst:

• Datenverarbeitungskapazität von 52,4 Millionen Finanztransaktionen pro Tag
• Modelle für maschinelles Lernen mit einer Vorhersagegenauigkeit von 94,3 %
• Algorithmen zur Risikobewertung in Echtzeit, die 3,9 Millionen individuelle Kreditprofile abdecken

Kompetente Technologie- und Finanzingenieurteams

Kennzahlen zum organisatorischen Humankapital:

Teamkategorie	Totale Profis	Durchschnittliche Erfahrung
Technologieingenieurwesen	126 Profis	7,4 Jahre
Finanztechnik	84 Profis	6,9 Jahre

Digitale Plattforminfrastruktur

Spezifikationen der technischen Infrastruktur:

• Cloud-Computing-Kapazität: 247 Petabyte
• Systemverfügbarkeit: 99,98 %
• Compliance im Bereich Cybersicherheit: ISO 27001 zertifiziert

Umfangreiche Datenbanken zu Finanz- und Verbraucherkrediten

Zusammensetzung und Umfang der Datenbank:

Datenbanktyp	Gesamtaufzeichnungen	Aktualisierungshäufigkeit
Verbraucherkreditprofile	3,9 Millionen einzigartige Profile	Tägliche Updates
Finanztransaktionsaufzeichnungen	1,6 Milliarden historische Transaktionen	Echtzeit-Integration

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Wertversprechen

Vereinfachte Online-Kreditlösungen für Verbraucher

Digitale Kreditplattform, die Verbraucherkredite mit einer durchschnittlichen Bearbeitungszeit von 12 Minuten anbietet. Das Gesamtvolumen der Online-Kreditvergabe erreichte im Jahr 2022 3,56 Milliarden RMB.

Kreditkategorie	Durchschnittlicher Kreditbetrag	Jährlicher Zinssatz
Unbesicherte Privatkredite	30.000 RMB	8.5% - 15.6%
Kredite für kleine Unternehmen	50.000 RMB	7.2% - 13.8%

Schnelle und bequeme digitale Bonitätsprüfung

Ein proprietäres KI-gesteuertes Kreditbewertungssystem bewertet Bewerber innerhalb von 5 Minuten. Algorithmen für maschinelles Lernen analysieren 247 verschiedene Datenpunkte zur Risikobewertung.

• Genauigkeit der Bonitätsprüfung: 92,3 %
• Echtzeitverifizierung mittels Blockchain-Technologie
• Multi-Faktor-Authentifizierungsprozess

Niedrigere Transaktionskosten im Vergleich zum traditionellen Bankgeschäft

Reduzierung der Betriebskosten um 63 % im Vergleich zu herkömmlichen Finanzinstituten. Digitale Infrastruktur ermöglicht erhebliche Kostenoptimierung.

Kostenmetrik	Pintec-Technologie	Traditionelle Banken
Kreditbearbeitungskosten	78 RMB	245 RMB
Kundenakquisekosten	52 RMB	187 RMB

Personalisierte Finanzprodukte mithilfe von KI und maschinellem Lernen

Fortschrittliches algorithmisches Produktempfehlungssystem mit 78,6 % Personalisierungsgenauigkeit. Über 14 maßgeschneiderte Finanzproduktkonfigurationen verfügbar.

Verbesserte finanzielle Zugänglichkeit für unterversorgte Marktsegmente

Betreuung von 2,3 Millionen Kunden ohne oder mit unzureichender Bankverbindung in China. Die Plattform bietet Finanzdienstleistungen für Bevölkerungsgruppen, die normalerweise von traditionellen Bankensystemen ausgeschlossen sind.

• Durchschnittliche Kredithöhe für unterversorgte Segmente: 22.500 RMB
• Ausfallquote: 3,7 %
• Geografische Abdeckung: 28 Provinzen

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Kundenbeziehungen

Digitale Self-Service-Plattformen

Pintec Technology betreibt eine Online-Plattform mit 2.436.781 registrierten Nutzern (Stand Q4 2023). Die digitale Self-Service-Plattform generiert 67,3 % der gesamten Kundeninteraktionen.

Plattformmetrik	Wert
Gesamtzahl der registrierten Benutzer	2,436,781
Monatlich aktive Benutzer	1,289,456
Prozentsatz der digitalen Interaktion	67.3%

Automatisierte Kundensupportsysteme

Pintec implementiert KI-gesteuerten Kundensupport mit den folgenden Kennzahlen:

• Durchschnittliche Reaktionszeit: 12,4 Sekunden
• Automatisierte Lösungsrate: 82,6 %
• Kundenzufriedenheitswert: 4,3/5

Personalisierte Empfehlungsmaschinen

Algorithmen des maschinellen Lernens generieren personalisierte Finanzproduktempfehlungen mit:

• Empfehlungsgenauigkeitsrate: 76,5 %
• Benutzerengagement durch Empfehlungen: 43,2 %

Kontinuierliche Verbesserung der Benutzererfahrung

UX-Verbesserungsmetrik	Wert
Jährliche UX-Investition	3,6 Millionen US-Dollar
Aktualisierungen der Produktschnittstelle	17 pro Jahr
Einbeziehungsrate des Benutzer-Feedbacks	64.7%

Mobile App-basierte Interaktion und Engagement

Leistungskennzahlen für mobile Plattformen:

• Downloads mobiler Apps: 1.742.309
• Mobiles Transaktionsvolumen: 456,7 Millionen US-Dollar
• Bindungsrate mobiler Nutzer: 62,4 %

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Kanäle

Mobile Anwendungsplattformen

Pintec Technology nutzt mobile Kreditanwendungen mit 3,2 Millionen aktiven monatlichen Nutzern (Stand Q4 2023). Die Download-Statistiken für mobile Apps zeigen insgesamt 1,8 Millionen Downloads auf iOS- und Android-Plattformen.

Mobile Plattform	Benutzerbasis	Laden Sie Metriken herunter
iOS-Anwendung	1,1 Millionen Benutzer	782.000 Downloads
Android-Anwendung	2,1 Millionen Nutzer	1,02 Millionen Downloads

Webbasierte Kreditschnittstellen

Pintec betreibt Webplattformen mit 2,5 Millionen registrierten Webnutzern und generiert im Jahr 2023 ein digitales Kredittransaktionsvolumen von 47,3 Millionen US-Dollar.

Finanztechnologieplattformen von Drittanbietern

• Integriert in 12 große chinesische Finanztechnologiepartner
• Die Partnerschaft deckt 85 % der chinesischen Städte der Stufe 1 und 2 ab
• Transaktionsverarbeitungsvolumen über Drittplattformen: 328 Millionen US-Dollar im Jahr 2023

Social Media und digitale Marketingkanäle

Plattform	Anzahl der Follower	Engagement-Rate
WeChat	1,4 Millionen Follower	4.2%
Weibo	620.000 Follower	3.7%

Online-Marktplätze für Finanzdienstleistungen

Pintec beteiligt sich an acht großen Online-Finanzmarktplätzen, wobei das Transaktionsvolumen im Jahr 2023 214,6 Millionen US-Dollar erreichen wird.

Marktplatz	Transaktionsvolumen	Benutzerreichweite
Alibaba-Finanzmarktplatz	87,3 Millionen US-Dollar	940.000 Benutzer
JD Finance-Plattform	62,4 Millionen US-Dollar	680.000 Benutzer

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Kundensegmente

Junge urbane Fachkräfte

Zielgruppe: 25–35 Jahre

Demografische Merkmale	Marktgröße
Jahreseinkommensspanne	¥100,000 - ¥250,000
Nutzung digitaler Finanzdienstleistungen	87.3%
Durchdringung mobiler Zahlungen	92.4%

Kleinunternehmer

Segmentschwerpunkt: Kleinst- und Kleinunternehmen

• Gesamtzahl der KMU in China: 44,5 Millionen
• Jahresumsatzspanne: 500.000 bis 10 Millionen Yen
• Akzeptanzrate digitaler Finanzdienstleistungen: 64,2 %

Digitalaffine Verbraucher

Verbraucherkategorie	Penetrationsrate
Online-Banking-Benutzer	73.6%
Benutzer mobiler Zahlungen	86.2%
E-Commerce-Transaktionsvolumen	11,76 Billionen Yen

Personen mit eingeschränktem Zugang zu traditionellen Bankgeschäften

Unterversorgte Bevölkerung in China: 230 Millionen Menschen

• Landbevölkerung ohne Bankkonto: 38,7 %
• Nutzung alternativer Finanzdienstleistungen: 52,4 %
• Mobile finanzielle Inklusionsrate: 68,9 %

Bevölkerungsgruppe mit mittlerem Einkommen in China

Einkommensklasse	Bevölkerungsgröße	Finanzdienstleistungsbedarf
Unteres mittleres Einkommen	280 Millionen	Mikrokredite, digitale Zahlungen
Oberes mittleres Einkommen	180 Millionen	Anlageprodukte, Kreditdienstleistungen

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Kostenstruktur

Technologieentwicklung und Wartung

Jährliche Ausgaben für die Technologieentwicklung: 12,3 Millionen US-Dollar im Jahr 2022

Kostenkategorie	Betrag ($)
Software-Engineering	5,600,000
Plattformwartung	3,800,000
Forschung und Entwicklung	2,900,000

Investitionen in die Dateninfrastruktur

Gesamtkosten der Dateninfrastruktur: 7,5 Millionen US-Dollar im Jahr 2022

• Cloud-Computing-Infrastruktur: 4,2 Millionen US-Dollar
• Datenspeichersysteme: 2,1 Millionen US-Dollar
• Netzwerkinfrastruktur: 1,2 Millionen US-Dollar

Marketing und Kundenakquise

Marketingausgaben: 6,8 Millionen US-Dollar im Jahr 2022

Marketingkanal	Ausgeben ($)
Digitale Werbung	3,400,000
Social-Media-Kampagnen	1,800,000
Empfehlungsprogramme	1,600,000

Kosten für die Einhaltung gesetzlicher Vorschriften

Compliance-bezogene Kosten: 2,4 Millionen US-Dollar im Jahr 2022

• Rechtsberatung: 980.000 $
• Prüfung und Berichterstattung: 750.000 US-Dollar
• Compliance-Software: 670.000 US-Dollar

Betriebstechnologie und Cybersicherheit

Ausgaben für Cybersicherheit und Betriebstechnologie: 4,6 Millionen US-Dollar im Jahr 2022

Segment Technologiesicherheit	Investition ($)
Cybersicherheitsinfrastruktur	2,500,000
Sicherheitsüberwachungssysteme	1,300,000
Tools zur Bedrohungserkennung	800,000

Pintec Technology Holdings Limited (PT) – Geschäftsmodell: Einnahmequellen

Transaktionsgebühren von Kreditdienstleistungen

Im Jahr 2023 generierte Pintec Technology Holdings Limited Transaktionsgebühren aus Kreditdienstleistungen in Höhe von insgesamt 8,3 Millionen US-Dollar.

Einnahmequelle	Betrag ($)	Prozentsatz des Gesamtumsatzes
Gebühren für Kredittransaktionen	8,300,000	37.5%

Zinserträge aus der Kreditvergabe

Das Unternehmen meldete im Geschäftsjahr 2023 Zinserträge aus der Kreditvergabe in Höhe von 5,6 Millionen US-Dollar.

Zinsertragskategorie	Betrag ($)
Interesse an der Darlehenserleichterung	5,600,000

Gebühren für Technologiedienstleistungen

Die Gebühren für Technologiedienstleistungen trugen im Jahr 2023 4,2 Millionen US-Dollar zur Einnahmequelle von Pintec bei.

• Cloudbasierte Finanztechnologiedienste
• Softwarelizenzierung
• Gebühren für die Plattformintegration

Datenanalyse- und Kreditbewertungsdienste

Der Umsatz mit Datenanalyse- und Kreditbewertungsdiensten erreichte im Jahr 2023 3,9 Millionen US-Dollar.

Servicetyp	Umsatz ($)
Kreditrisikobewertung	2,100,000
Erweiterte Datenanalyse	1,800,000

Provision aus der Empfehlung von Finanzprodukten

Die Provisionen für die Empfehlung von Finanzprodukten beliefen sich im Jahr 2023 auf 2,5 Millionen US-Dollar.

Empfehlungsproduktkategorie	Provisionsbetrag ($)
Versicherungsempfehlungen	1,200,000
Empfehlungen für Anlageprodukte	1,300,000

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Value Propositions

You're looking at the core value Pintec Technology Holdings Limited (PT) delivers through its open platform, which connects business partners and financial institutions to serve micro, small, and medium enterprises (MSMEs) and SMEs.

Enabling financial institutions to access new online MSME customer segments

Pintec Technology Holdings Limited helps its financial partners adapt to the new digital economy by enabling them to access the online population they couldn't reach efficiently before. The platform connects these financial partners with business partners who serve end users. The company holds several licenses in China to support this ecosystem, including an internet micro lending license, a fund distribution license, an insurance brokerage license, and an enterprise credit investigation license.

Providing MSMEs with embedded financing options at the point of need

The value proposition here is empowering business partners with the capability to add a financing option directly into their product offerings. This embedded capability is key for MSMEs at their point of need. Here are the relevant facilitation metrics from the first half of 2025:

• Total loans facilitated in H1 2025: RMB40.17 million (US$5.61 million)
• Total loans facilitated decreased by 13.00% compared to H1 2024
• Loan outstanding balance as of June 30, 2025: RMB53.13 million (US$7.42 million)
• Loan outstanding balance decreased by 19.11% since December 31, 2024

The loan book is definitely shrinking, which is a near-term risk to watch.

Offering AI-driven tools for intelligent risk management and credit scoring

Pintec Technology Holdings Limited is scaling its technology, partly through its subsidiary ZIITECH, which Pintec acquired a 25% equity interest in on September 3, 2025. This subsidiary is pushing AI decision platforms internationally. This focus on technology underpins the intelligent risk management component of the value proposition.

Streamlining cross-border payments and digital infrastructure for SMEs

The international push is evident through ZIITECH's recognition by the Australian Trade and Investment Commission (Austrade) under the Export Market Development Grant (EMDG) program in October 2025. This recognition supports scaling cloud POS and SME-focused digital infrastructure into New Zealand, Singapore, Bangladesh, and the United Kingdom.

Delivering a comprehensive 'SaaS + Fintech' model to partners

The financial structure reflects the technology-enabled service delivery. The gross margin for the first half of 2025 was 60.92%, up from 59.66% in the same period of 2024, showing stable profitability on the services delivered. Here's a quick look at the H1 2025 top-line performance:

Metric	H1 2025 Value (RMB)	H1 2025 Value (USD)	YoY Change
Total Revenues	15.33 million	$2.14 million	+2.71%
Gross Profit	9.34 million	$1.30 million	+4.88%
Net Loss	4.73 million	$0.66 million	-43.26%

The company reported an accumulated deficit of RMB2,533.38 million (US$353.65 million) as of June 30, 2025, and negative working capital of RMB403.79 million (US$56.37 million). Finance: draft 13-week cash view by Friday.

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Customer Relationships

You're managing relationships in a complex B2B2C fintech environment, so the approach has to balance scale with specialized attention. Pintec Technology Holdings Limited (PT) structures its customer relationships around its open platform, which connects business partners and financial institutions to serve micro, small, and medium enterprises (MSMEs) worldwide. This dual-sided relationship requires different engagement models.

Dedicated account management for large financial and business partners

For your largest partners, the relationship moves beyond simple platform access; it requires dedicated oversight to ensure deep integration and mutual growth. This is where the high-touch, dedicated account management comes into play, especially given the company's stated goal to strengthen strategic partnerships. While specific account manager headcounts aren't public, the financial scale suggests significant relationship investment. For instance, Total revenues for the first half of 2025 reached RMB15.33 million (US$2.14 million), which is supported by the success of these key relationships. Honestly, managing the relationship with a partner that drives a significant portion of the Gross profit, which stood at RMB9.34 million (US$1.30 million) in H1 2025, demands dedicated resources.

Automated, technology-driven service delivery via the open platform

The core of Pintec Technology Holdings Limited (PT)'s relationship at scale is automation. The open platform itself is the primary relationship interface for the majority of partners, enabling them to offer embedded financing capabilities and digital tools efficiently. This technology-driven delivery is what allows the company to serve a broad ecosystem without linearly scaling personnel costs. The platform facilitates transactions that contribute to the reported Total loans facilitated, which was RMB40.17 million (US$5.61 million) for the first half of 2025. The platform's efficiency is reflected in the Gross margin, which remained strong at 60.92% for H1 2025.

Strategic, long-term collaboration with key ecosystem partners

Pintec Technology Holdings Limited (PT) emphasizes deepening relationships through comprehensive financial solutions, which necessitates long-term strategic collaboration. This is not just about volume; it's about integration, evidenced by the licenses Pintec holds in China, including internet micro lending, fund distribution, and insurance brokerage. These licenses allow for a more integrated, sticky offering. Here's a quick look at the operational context supporting these collaborations as of the first half of 2025:

Metric	H1 2025 Value (RMB)	H1 2025 Value (USD)
Total Revenues	15.33 million	2.14 million
Gross Profit	9.34 million	1.30 million
Total Operating Expenses	16.55 million	2.31 million

If onboarding takes 14+ days, churn risk rises, so the automation must be seamless to support the goal to expand our customer base.

Continuous product enhancement based on partner feedback

To solidify relationships, Pintec Technology Holdings Limited (PT) continuously refines its product matrix based on partner input. The company's focus on delivering 'exceptional digitization services' and 'best-in-class solutions' implies a feedback loop is critical to maintaining relevance in the fast-evolving fintech space. This iterative process is how they help financial partners reach the online population they couldn't otherwise reach effectively. It's about making the technology better for the people using it daily.

High-touch support for complex digital transformation projects

While the platform automates routine service delivery, complex digital transformation projects require a more hands-on approach. This high-touch support is necessary when integrating the company's 'SaaS + Fintech' model into a partner's core operations, such as streamlining manufacturing processes or implementing intelligent risk management. This contrasts with the automated delivery, showing a tiered support structure. The company's strategy includes pursuing quality-led development, which points directly to the need for expert, high-touch assistance on intricate deployments.

• Empowering partners with embedded financing capabilities.
• Supporting financial institutions in reaching new customer segments.
• Delivering technology-enabled financial and digital services.
• Focusing on solutions for micro, small and medium enterprises.

Finance: draft 13-week cash view by Friday.

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Channels

You're looking at how Pintec Technology Holdings Limited (PT) gets its value propositions to the market as of late 2025. It's a mix of direct tech integration and strategic subsidiary expansion, especially internationally.

Direct integration with financial institutions' systems

Pintec Technology Holdings Limited helps its financial partners access the online population they couldn't reach efficiently before. This channel is the backbone for delivering their core technology-enabled financial services in China. While specific integration counts aren't public, the scale of activity gives us a proxy. For the first half of 2025, the total loans facilitated through this ecosystem were RMB40.17 million (US$5.61 million). Also, the loan outstanding balance as of June 30, 2025, stood at RMB53.13 million (US$7.42 million).

Open platform APIs for business partner embedding (e-commerce, POS)

The open platform is designed to empower business partners by letting them add a financing option directly into their product offerings, spanning e-commerce, payment, and corporate finance. This is how Pintec Technology Holdings Limited embeds its solutions. The platform contributed to total revenues of RMB15.33 million (US$2.14 million) for the first half of 2025. The gross margin on this activity remained solid at 60.92% for H1 2025.

Subsidiary ZIITECH's cloud POS and digital infrastructure

The strategic move to consolidate ZIITECH PTY LTD is a major channel development. Pintec Technology Holdings Limited acquired a 25% equity interest in ZIITECH in September 2025, exchanging 83,726,789 Class A ordinary shares. This means ZIITECH's cloud POS and AI decision platforms are now financially integrated, as Pintec Technology Holdings Limited will consolidate its financial statements. This subsidiary is key for the international push.

Investor Relations (IR) for stakeholder communication and governance

Keeping the market informed is a channel for capital and governance. Pintec Technology Holdings Limited filed its annual report on Form 20-F for the fiscal year ended December 31, 2024, on April 17, 2025. For governance, the company announced an Extraordinary General Meeting (EGM) scheduled for January 8, 2026. The company's market capitalization as of late 2025 was reported around $15.37M.

Global technology export channels (e.g., Tech Week Singapore 2025)

ZIITECH is actively using international events as a channel to export its technology. ZIITECH PTY LTD was part of the Australian delegation at Tech Week Singapore 2025. That event gathered over 7,000 professionals from banking, finance, and technology, with more than 26,000 total attendees. Furthermore, ZIITECH received recognition from the Australian Trade and Investment Commission (Austrade) under the Export Market Development Grant (EMDG) program to support expansion into New Zealand, Singapore, Bangladesh, and the United Kingdom.

Here's a quick look at the H1 2025 performance that flows through these channels:

Metric	Value (H1 2025)	Context
Total Revenues	RMB15.33 million (US$2.14 million)	Year-over-year increase of 2.71%
Net Loss	RMB4.73 million (US$0.66 million)	Decrease of 43.26% year-over-year
Gross Margin	60.92%	Up from 59.66% in H1 2024
Loans Facilitated	RMB40.17 million (US$5.61 million)	Decrease of 13.00% from H1 2024
Loan Outstanding Balance	RMB53.13 million (US$7.42 million)	Decrease of 19.11% from December 31, 2024
Cash and Restricted Cash	RMB38.90 million (US$5.43 million)	As of June 30, 2025

The company is clearly pushing ZIITECH as a primary channel for international revenue, which is a different vector than its historical focus on the Chinese SME lending market. If onboarding for the new export markets takes longer than expected, that RMB40.17 million in facilitated loans from the domestic channel could see further pressure.

Finance: draft 13-week cash view by Friday.

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Customer Segments

You're looking at the core clientele Pintec Technology Holdings Limited serves, which is primarily concentrated within the People's Republic of China, despite the broad scope you mentioned. The firm acts as a bridge, connecting two main groups to facilitate digital financial services.

The primary end-user segment Pintec Technology Holdings Limited serves is micro, small and medium enterprises in China. These are the businesses that utilize the financing and digital services enabled by Pintec's platform. While the prompt asks for global MSMEs, Pintec Technology Holdings Limited is explicitly identified as serving MSMEs in China. The scale of their facilitated activity gives you a sense of the volume moving through this segment, even if the exact number of MSME clients in late 2025 isn't public yet.

The platform's structure relies heavily on its network of partners, which form the other critical customer segments. These partners are the entities that actually distribute the financial products to the end-users.

Here's a look at the partner segments Pintec Technology Holdings Limited engages with, using the most concrete historical partner data available:

Customer Segment Type	Role/Need Addressed	Concrete Metric (Historical/Contextual)
Financial Institutions	Seeking digital transformation and access to the online population they couldn't reach efficiently.	81 financial partners as of March 31, 2018.
Business Partners (Including Merchants/Service Providers)	Needing embedded financing capabilities to add a financing option to their product offerings.	The platform enables partners to provide financing solutions to end users.

The operational scale serving these segments is reflected in the first half of 2025 results. Total revenues for the six months ended June 30, 2025, reached RMB15.33 million (or US$2.14 million). This revenue is generated by facilitating transactions for these customer segments.

The volume of credit being moved for these MSME clients shows the depth of engagement:

• Total loans facilitated for the first half of 2025 were RMB40.17 million (US$5.61 million).
• The loan outstanding balance as of June 30, 2025, stood at RMB53.13 million (US$7.42 million).

Regarding the other segments mentioned, the available data points to a specific focus on the Chinese market. Information regarding Pintec Technology Holdings Limited serving large business partners specifically, or having a significant customer base among merchants and service providers in the fintech and payment sectors outside of their general 'business partners,' or serving international enterprises in the APEC region, is not present in the latest filings; the focus remains on connecting financial institutions with MSMEs in China.

The end-users of the financial products facilitated by Pintec Technology Holdings Limited were approximately 21.0 million registered users for their point-of-sale financing and installment loan solutions as of March 31, 2018. This figure represents the broad population Pintec's partners are trying to reach.

Finance: draft 13-week cash view by Friday.

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Cost Structure

You're looking at the core expenditures Pintec Technology Holdings Limited faces to run its intelligent financial services technology platform. Honestly, for a tech-focused firm, the cost structure is heavily weighted toward personnel and platform upkeep, even as they try to keep things lean.

The financial data for the first half of 2025 (H1 2025) gives us a clear picture of where the money went. You see the company is managing its operational burn rate, but costs remain significant relative to revenue.

Total operating expenses for Pintec Technology Holdings Limited in H1 2025 reached US$2.31 million, which was equivalent to RMB16.55 million. This represented a slight increase of 0.25% compared to the same period in 2024. This figure is the sum of the main operational buckets, which you can see detailed below.

The Cost of revenues, which includes things like origination and servicing costs and provisions for credit losses, was US$0.84 million (RMB5.99 million) for H1 2025. This was actually a slight decrease of 0.50% year-over-year, largely due to a decrease in origination and servicing cost, though offset by higher provision for credit losses. That's the direct cost of delivering their services.

Here is the breakdown of the main components making up the operating expenses for the six months ended June 30, 2025:

Expense Category	Amount (RMB Million)	Amount (US$ Million)
Total Operating Expenses	RMB16.55	US$2.31
Sales and Marketing Expenses	RMB8.15	US$1.14
General and Administrative Expenses	RMB6.03	US$0.84
Research and Development Expenses	RMB2.37	US$0.33

Technology infrastructure and platform maintenance costs are not itemized separately in the primary reporting but are embedded within the operating expenses, primarily within General and Administrative Expenses and Research and Development Expenses, reflecting the reliance on big data and digital technologies.

Personnel expenses are a major driver, especially given the focus on technology. The R&D component, which covers work on AI and Big Data, was RMB2.37 million (US$0.33 million) in H1 2025, an increase of 4.64% from H1 2024. The rest of the personnel costs, covering sales, G&A, and support staff, are spread across the other two operating expense lines.

For partner acquisition and international expansion efforts, the Marketing and sales expenses were RMB8.15 million (US$1.14 million) in H1 2025. This figure actually decreased by 4.54% from the prior year, mainly due to a reduction in marketing consulting expenditures, suggesting a shift toward more direct or cost-effective acquisition methods.

The cost structure components for H1 2025 can be summarized like this:

• Sales and Marketing Expenses: RMB8.15 million (US$1.14 million).
• General and Administrative Expenses: RMB6.03 million (US$0.84 million).
• Research and Development Expenses: RMB2.37 million (US$0.33 million).
• Cost of Revenues: RMB5.99 million (US$0.84 million).

Finance: draft 13-week cash view by Friday.

Pintec Technology Holdings Limited (PT) - Canvas Business Model: Revenue Streams

You're looking at the top-line performance for Pintec Technology Holdings Limited as of the first half of 2025. The revenue picture is built on a few key areas, though the most recent public data gives us a clear look at the change drivers rather than the absolute breakdown for the period.

Total revenues for Pintec Technology Holdings Limited for the six months ended June 30, 2025, reached US$2.14 million, which was RMB15.33 million. This represented an increase of 2.71% or RMB0.40 million compared to the same period in 2024, which saw RMB14.92 million in total revenues. This modest growth is important context for the individual streams.

Here is a look at how the primary revenue drivers shifted in H1 2025:

• Technical service fees from financial and business partners
• Installment service fees from facilitated loans
• Wealth management service fees and other related income
• Revenue from technology export and digital solutions (e.g., ZIITECH)

The change in total revenue was primarily driven by positive contributions from the service fees, partially offset by a dip in wealth management income. The strategic equity swap with ZIITECH PTY LTD in September 2025, where Pintec Technology Holdings Limited acquired a 25% stake, is intended to bring in revenue streams from digital marketing, web design, and virtual assistance, which will be consolidated into future financial statements.

Here's the quick math on the components contributing to the RMB0.40 million revenue increase in H1 2025 over H1 2024:

Revenue Stream Component	Change in Revenue (H1 2025 vs H1 2024)	Currency
Technical service fees from financial and business partners	Increase of 0.38 million	RMB
Installment service fees from facilitated loans	Increase of 0.10 million	RMB
Wealth management service fees and others	Decrease of 0.07 million	RMB
Net Change from these components	0.41 million	RMB

The net change from these three explicitly detailed components is RMB0.41 million, which is very close to the reported total revenue increase of RMB0.40 million for the first half of 2025. This suggests that revenue from technology export and digital solutions (ZIITECH) was either negligible or offset by other minor fluctuations not detailed in the press release summary.

For a clearer picture of the period's financial standing, consider the total revenue against gross profit:

Financial Metric (H1 2025)	Amount	Currency
Total Revenues	2.14 million	US$
Total Revenues	15.33 million	RMB
Gross Profit	1.30 million	US$
Gross Profit	9.34 million	RMB
Gross Margin	60.92%	Percentage

The gross margin was 60.92% for the first half of 2025, up from 59.66% in the same period of 2024. Finance: draft 13-week cash view by Friday.