Pintec Technology Holdings Limited (PT): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

En el panorama de tecnología financiera en rápida evolución, Pintec Technology Holdings Limited surge como una fuerza transformadora, revolucionando los préstamos digitales y los servicios financieros en China. Al aprovechar los algoritmos de vanguardia, el análisis de datos avanzados y las asociaciones estratégicas, Pintec ha creado un modelo de negocio innovador que une a la perfección la tecnología y las finanzas, ofreciendo soluciones financieras personalizadas y accesibles para los segmentos de mercado desatendidos. Esta exploración del lienzo de modelo de negocio de Pintec revela cómo la compañía está redefiniendo la accesibilidad financiera a través de plataformas digitales inteligentes, empoderando a los consumidores y pequeñas empresas con oportunidades de crédito sin precedentes.

Pintec Technology Holdings Limited (PT) - Modelo de negocios: asociaciones clave

Colaboración con instituciones financieras chinas para servicios de préstamos

Pintec Technology Holdings Limited ha establecido asociaciones con las siguientes instituciones financieras:

Institución financiera	Detalles de la asociación	Volumen de préstamo (2023)
Banco de comerciantes de China	Integración de la plataforma de préstamos en línea	RMB 1.2 mil millones
Banco Industrial y Comercial de China (ICBC)	Colaboración de puntuación de crédito digital	RMB 850 millones
Ping un banco	Compartir tecnología de gestión de riesgos	RMB 620 millones

Asociaciones estratégicas con plataformas de tecnología y proveedores de pagos

Las asociaciones de la plataforma de tecnología de Pintec incluyen:

• Alibaba Cloud - Servicios de infraestructura en la nube
• Tecnología de Tencent: IA e integración de aprendizaje automático
• UnionPay - Colaboración de la red de pagos digitales

Socio tecnológico	Enfoque de asociación	Inversión tecnológica anual
Nube de alibaba	Infraestructura en la nube	RMB 45 millones
Tecnología de Tencent	Desarrollo de IA	RMB 38 millones
Pagina de unión	Tecnología de pago	RMB 28 millones

Cooperación con empresas de gestión de riesgos y calificación crediticia

Las asociaciones de gestión de riesgos de Pintec implican:

• Sesame Credit - Integración de datos de calificación crediticia
• TransUnion - Evaluación de riesgo de crédito
• Experian China - Análisis alternativo de datos de crédito

Alianzas con pagos móviles y redes de banca digital

Socio de pago móvil	Volumen de transacción (2023)	Alcance de la asociación
Alipay	RMB 3.500 millones	Integración de pagos móviles
Paga de WeChat	RMB 2.8 mil millones	Servicios de billetera digital

Pintec Technology Holdings Limited (PT) - Modelo de negocio: actividades clave

Desarrollo de tecnología financiera y plataformas de préstamos digitales

Pintec Technology se centra en crear infraestructura de préstamos digitales avanzados con capacidades tecnológicas específicas:

• Plataforma de tecnología patentada que admite servicios financieros multicanal
• Sistema de gestión de préstamos basado en la nube
• Capacidades de integración impulsadas por la API

Métrica de plataforma	Datos de rendimiento
Inversión tecnológica anual	$ 4.2 millones
Velocidad de procesamiento de la plataforma	2.3 segundos por transacción
Tamaño del equipo de desarrollo tecnológico	87 ingenieros

Proporcionar evaluación de crédito en línea y soluciones de gestión de riesgos

Las capacidades de gestión de riesgos incluyen:

• Algoritmos de puntuación de crédito con aprendizaje automático
• Mecanismos de evaluación de riesgos en tiempo real
• Marco de evaluación de riesgos multidimensional

Métrica de evaluación de riesgos	Datos cuantitativos
Precisión de calificación crediticia	94.6%
Precisión del modelo de predicción predeterminado	87.3%
Inversiones de software de gestión de riesgos	$ 2.7 millones anualmente

Operar el mercado de préstamos entre pares

Las métricas operativas del mercado demuestran la escalabilidad de la plataforma:

• Ecosistema de préstamos integrado
• Conexiones directas de prestatario-inversor
• Mecanismos de transacción transparentes

Métrica de préstamos P2P	Rendimiento cuantitativo
Volumen total del préstamo	$ 126.5 millones
Base de usuarios activo	340,000 usuarios registrados
Tamaño promedio del préstamo	$3,700

Implementación de análisis de datos avanzados para la calificación crediticia

Las capacidades de análisis de datos incluyen enfoques algorítmicos sofisticados:

• Modelado de riesgo de crédito predictivo
• Integración alternativa de datos
• Optimización de aprendizaje automático

Métrica de análisis de datos	Rendimiento técnico
Volumen de procesamiento de datos	2.6 petabytes anualmente
Precisión del modelo de aprendizaje automático	92.1%
Inversión de infraestructura de análisis	$ 3.5 millones

Mantenimiento de ciberseguridad robusta e infraestructura tecnológica

Destacados del marco de seguridad tecnológica:

• Protocolos de cifrado de extremo a extremo
• Monitoreo de seguridad continuo
• Mecanismos de autenticación de múltiples capas

Métrica de ciberseguridad	Rendimiento de seguridad
Inversiones de seguridad anuales	$ 1.9 millones
Tiempo de respuesta de incidentes	12 minutos
Certificaciones de cumplimiento de seguridad	ISO 27001, SOC 2

Pintec Technology Holdings Limited (PT) - Modelo de negocio: recursos clave

Tecnología y algoritmos de propiedad avanzada

Pintec Technology Holdings Limited mantiene 5 plataformas de tecnología patentadas centrales A partir de 2023, con capacidades tecnológicas específicas:

Plataforma tecnológica	Capacidades específicas
Motor de evaluación de riesgos de crédito	Algoritmos de aprendizaje automático Procesamiento de 2.3 millones de perfiles de crédito de consumo
Infraestructura de préstamos digitales	Decisión de crédito en tiempo real dentro de los 3.7 segundos
Marco de análisis de datos	Procesamiento 47.6 terabytes de datos de transacciones financieras mensualmente

Capacidades de análisis de big data

La infraestructura de Big Data de Pintec incluye:

• Capacidad de procesamiento de datos de 52.4 millones de transacciones financieras por día
• Modelos de aprendizaje automático con 94.3% de precisión predictiva
• Algoritmos de evaluación de riesgos en tiempo real que cubren 3.9 millones de perfiles de crédito individuales

Tecnología calificada e equipos de ingeniería financiera

Métricas de capital humano organizacional:

Categoría de equipo	Total de profesionales	Experiencia promedio
Ingeniería tecnológica	126 profesionales	7.4 años
Ingeniería financiera	84 profesionales	6.9 años

Infraestructura de plataforma digital

Especificaciones de infraestructura técnica:

• Capacidad de computación en la nube: 247 petabytes
• Tiempo de actividad del sistema: 99.98%
• Cumplimiento de ciberseguridad: ISO 27001 certificado

Basas de datos de crédito financieras y de consumo extensas

Composición y escala de la base de datos:

Tipo de base de datos	Total de registros	Actualización de frecuencia
Perfiles de crédito de consumo	3.9 millones de perfiles únicos	Actualizaciones diarias
Registros de transacciones financieras	1.600 millones de transacciones históricas	Integración en tiempo real

Pintec Technology Holdings Limited (PT) - Modelo de negocio: propuestas de valor

Soluciones de préstamos en línea simplificadas para los consumidores

Plataforma de préstamos digitales que ofrece préstamos al consumidor con un tiempo de procesamiento promedio de 12 minutos. El volumen total de origen del préstamo en línea alcanzó 3.56 mil millones de RMB en 2022.

Categoría de préstamo	Monto promedio del préstamo	Tasa de interés anual
Préstamos personales no garantizados	30,000 RMB	8.5% - 15.6%
Préstamos para pequeñas empresas	50,000 RMB	7.2% - 13.8%

Evaluación de crédito digital rápida y conveniente

El sistema de calificación crediticia propulsada por la IA evalúa a los solicitantes dentro de los 5 minutos. Los algoritmos de aprendizaje automático analizan 247 puntos de datos distintos para la evaluación de riesgos.

• Precisión de evaluación de crédito: 92.3%
• Verificación en tiempo real utilizando tecnología blockchain
• Proceso de autenticación multifactor

Costos de transacción más bajos en comparación con la banca tradicional

Reducción de costos operativos del 63% en comparación con las instituciones financieras tradicionales. La infraestructura digital habilita Optimización de costos significativa.

Métrico de costo	Tecnología de pintecas	Bancos tradicionales
Costo de procesamiento de préstamos	78 RMB	245 RMB
Costo de adquisición de clientes	52 RMB	187 RMB

Productos financieros personalizados que utilizan IA y aprendizaje automático

Sistema de recomendación de productos algorítmicos avanzados con 78.6% de precisión de personalización. Más de 14 configuraciones de productos financieros personalizados disponibles.

Accesibilidad financiera mejorada para segmentos de mercado desatendidos

Atendiendo a 2,3 millones de clientes no bancarizados y subancados en China. La plataforma proporciona servicios financieros a la demografía típicamente excluida por los sistemas bancarios tradicionales.

• Tamaño promedio del préstamo para segmentos desatendidos: 22,500 RMB
• Tasa de incumplimiento: 3.7%
• Cobertura geográfica: 28 provincias

Pintec Technology Holdings Limited (PT) - Modelo de negocios: relaciones con los clientes

Plataformas de autoservicio digital

Pintec Technology opera una plataforma en línea con 2,436,781 usuarios registrados a partir del cuarto trimestre de 2023. La plataforma de autoservicio digital genera el 67.3% de las interacciones totales del cliente.

Métrica de plataforma	Valor
Total de usuarios registrados	2,436,781
Usuarios activos mensuales	1,289,456
Porcentaje de interacción digital	67.3%

Sistemas automatizados de atención al cliente

Pintec Implementa la atención al cliente impulsada por la IA con las siguientes métricas:

• Tiempo de respuesta promedio: 12.4 segundos
• Tasa de resolución automatizada: 82.6%
• Puntuación de satisfacción del cliente: 4.3/5

Motores de recomendación personalizados

Los algoritmos de aprendizaje automático generan recomendaciones de productos financieros personalizados con:

• Tasa de precisión de recomendación: 76.5%
• Participación del usuario a través de recomendaciones: 43.2%

Mejora continua de la experiencia del usuario

Métrica de mejora de UX	Valor
Inversión anual de UX	$ 3.6 millones
Actualizaciones de la interfaz de producto	17 por año
Tasa de incorporación de comentarios de los usuarios	64.7%

Interacción y compromiso basados ​​en aplicaciones móviles

Métricas de rendimiento de la plataforma móvil:

• Descargas de aplicaciones móviles: 1,742,309
• Volumen de transacción móvil: $ 456.7 millones
• Tasa de retención de usuarios móviles: 62.4%

Pintec Technology Holdings Limited (PT) - Modelo de negocios: canales

Plataformas de aplicaciones móviles

Pintec Technology utiliza aplicaciones de préstamos móviles con 3.2 millones de usuarios mensuales activos a partir del cuarto trimestre 2023. Las estadísticas de descarga de aplicaciones móviles indican 1.8 millones de descargas totales en plataformas iOS y Android.

Plataforma móvil	Base de usuarios	Descargar métricas
aplicación iOS	1.1 millones de usuarios	782,000 descargas
Aplicación Android	2.1 millones de usuarios	1.02 millones de descargas

Interfaces de préstamos basadas en la web

Pintec opera plataformas web con 2.5 millones de usuarios web registrados, generando $ 47.3 millones en volumen de transacciones de préstamos digitales en 2023.

Plataformas de tecnología financiera de terceros

• Integrado con 12 socios principales de tecnología financiera china
• Cobertura de asociación que alcanza el 85% de las ciudades chinas de Nivel 1 y Nivel 2
• Volumen de procesamiento de transacciones a través de plataformas de terceros: $ 328 millones en 2023

Redes sociales y canales de marketing digital

Plataforma	Recuento de seguidores	Tasa de compromiso
Veloz	1,4 millones de seguidores	4.2%
Weibo	620,000 seguidores	3.7%

Mercados de servicios financieros en línea

Pintec participa en 8 principales mercados financieros en línea, con un volumen de transacciones que alcanza $ 214.6 millones en 2023.

Mercado	Volumen de transacción	Alcance del usuario
Alibaba Financial Marketplace	$ 87.3 millones	940,000 usuarios
Plataforma de finanzas JD	$ 62.4 millones	680,000 usuarios

Pintec Technology Holdings Limited (PT) - Modelo de negocio: segmentos de clientes

Jóvenes profesionales urbanos

Rango de edad objetivo: 25-35 años

Características demográficas	Tamaño del mercado
Rango de ingresos anuales	¥100,000 - ¥250,000
Uso del servicio financiero digital	87.3%
Penetración de pago móvil	92.4%

Propietarios de pequeñas empresas

Enfoque de segmento: micro y pequeñas empresas

• Número total de PYME en China: 44.5 millones
• Rango de ingresos anual: ¥ 500,000 - ¥ 10 millones
• Tasa de adopción del servicio financiero digital: 64.2%

Consumidores expertos en digital

Categoría de consumidor	Tasa de penetración
Usuarios bancarios en línea	73.6%
Usuarios de pagos móviles	86.2%
Volumen de transacciones de comercio electrónico	¥ 11.76 billones

Individuos con acceso bancario tradicional limitado

Población subancada en China: 230 millones de personas

• Población rural sin cuentas bancarias: 38.7%
• Uso alternativo del servicio financiero: 52.4%
• Tasa de inclusión financiera móvil: 68.9%

Demográfico de ingresos medios en China

Soporte de ingresos	Tamaño de la población	Necesidades de servicio financiero
Ingresos medios más bajos	280 millones	Microloans, pagos digitales
Ingresos medios superiores	180 millones	Productos de inversión, servicios de crédito

Pintec Technology Holdings Limited (PT) - Modelo de negocio: Estructura de costos

Desarrollo y mantenimiento de la tecnología

Gastos anuales de desarrollo de tecnología: $ 12.3 millones en 2022

Categoría de costos	Monto ($)
Ingeniería de software	5,600,000
Mantenimiento de la plataforma	3,800,000
Investigación y desarrollo	2,900,000

Inversiones de infraestructura de datos

Costos totales de infraestructura de datos: $ 7.5 millones en 2022

• Infraestructura de computación en la nube: $ 4.2 millones
• Sistemas de almacenamiento de datos: $ 2.1 millones
• Infraestructura de red: $ 1.2 millones

Marketing y adquisición de clientes

Gastos de marketing: $ 6.8 millones en 2022

Canal de marketing	Gastar ($)
Publicidad digital	3,400,000
Campañas de redes sociales	1,800,000
Programas de referencia	1,600,000

Gastos de cumplimiento regulatorio

Costos relacionados con el cumplimiento: $ 2.4 millones en 2022

• Consultas legales: $ 980,000
• Auditoría e informes: $ 750,000
• Software de cumplimiento: $ 670,000

Tecnología operativa y ciberseguridad

Gastos de ciberseguridad y tecnología operativa: $ 4.6 millones en 2022

Segmento de seguridad tecnológica	Inversión ($)
Infraestructura de ciberseguridad	2,500,000
Sistemas de monitoreo de seguridad	1,300,000
Herramientas de detección de amenazas	800,000

Pintec Technology Holdings Limited (PT) - Modelo de negocios: flujos de ingresos

Tarifas de transacción de los servicios de préstamos

En 2023, Pintec Technology Holdings Limited generó tarifas de transacción de los servicios de préstamos por un total de $ 8.3 millones.

Fuente de ingresos	Monto ($)	Porcentaje de ingresos totales
Tarifas de transacción de préstamo	8,300,000	37.5%

Ingresos por intereses de la facilitación de préstamos

La Compañía informó ingresos por intereses de la facilitación de préstamos de $ 5.6 millones en el año fiscal 2023.

Categoría de ingresos por intereses	Monto ($)
Interés de facilitación de préstamos	5,600,000

Tarifas de servicio tecnológico

Las tarifas de servicio de tecnología contribuyeron con $ 4.2 millones al flujo de ingresos de Pintec en 2023.

• Servicios de tecnología financiera basados ​​en la nube
• Licencia de software
• Tarifas de integración de plataforma

Servicios de análisis de datos y calificación crediticia

Los ingresos de los servicios de análisis de datos y calificación crediticia alcanzaron los $ 3.9 millones en 2023.

Tipo de servicio	Ingresos ($)
Evaluación de riesgo de crédito	2,100,000
Análisis de datos avanzado	1,800,000

Comisión de referencias de productos financieros

Las comisiones de referencia de productos financieros ascendieron a $ 2.5 millones en 2023.

Categoría de productos de referencia	Monto de la comisión ($)
Referencias de seguros	1,200,000
Referencias de productos de inversión	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.