PINTEC Technology Holdings Limited (PT): Business Model Canvas [Jan-2025 Mise à jour]

Dans le paysage rapide de la technologie financière, Pintec Technology Holdings Limited apparaît comme une force transformatrice, révolutionnant les prêts numériques et les services financiers à travers la Chine. En tirant parti des algorithmes de pointe, de l'analyse avancée des données et des partenariats stratégiques, Pintec a conçu un modèle commercial innovant qui plie de manière transparente la technologie et la finance, offrant des solutions financières personnalisées et accessibles aux segments de marché mal desservis. Cette exploration de la toile du modèle commercial de Pintec révèle comment l'entreprise redéfinit l'accessibilité financière grâce à des plateformes numériques intelligentes, à l'autonomiser les consommateurs et les petites entreprises avec des opportunités de crédit sans précédent.

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: partenariats clés

Collaboration avec les institutions financières chinoises pour les services de prêt

Pintec Technology Holdings Limited a établi des partenariats avec les institutions financières suivantes:

Institution financière	Détails du partenariat	Volume de prêt (2023)
Banque chinoise des marchands	Intégration de la plate-forme de prêt en ligne	RMB 1,2 milliard
Banque industrielle et commerciale de Chine (ICBC)	Collaboration de notation du crédit numérique	RMB 850 millions
Faire un ping	Partage de technologie de gestion des risques	RMB 620 millions

Partenariats stratégiques avec les plateformes technologiques et les fournisseurs de paiement

Les partenariats de plate-forme technologique de Pintec comprennent:

• Alibaba Cloud - Cloud Infrastructure Services
• Tencent Technology - Intégration de l'apprentissage en IA et en machine
• UnionPay - Collaboration du réseau de paiement numérique

Partenaire technologique	Focus de partenariat	Investissement technologique annuel
Nuage d'alibaba	Infrastructure cloud	RMB 45 millions
Technologie Tencent	Développement d'IA	RMB 38 millions
UnionPay	Technologie de paiement	RMB 28 millions

Coopération avec les sociétés de gestion des risques et de crédit

Les partenariats de gestion des risques de Pintec impliquent:

• Crédit sésame - Intégration des données de notation du crédit
• TransUnion - Évaluation des risques de crédit
• Experian China - Analyse des données de crédit alternatives

Alliances avec le paiement mobile et les réseaux bancaires numériques

Partenaire de paiement mobile	Volume de transaction (2023)	Portée du partenariat
Alipay	RMB 3,5 milliards	Intégration de paiement mobile
WeChat Pay	RMB 2,8 milliards	Services de portefeuille numérique

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: Activités clés

Développement de la technologie financière et des plateformes de prêt numérique

La technologie PINTEC se concentre sur la création d'infrastructures de prêt numérique avancées avec des capacités technologiques spécifiques:

• Plateforme technologique propriétaire prenant en charge les services financiers multicanaux
• Système de gestion des prêts basé sur le cloud
• Capacités d'intégration axées sur l'API

Métrique de la plate-forme	Données de performance
Investissement technologique annuel	4,2 millions de dollars
Vitesse de traitement de la plate-forme	2,3 secondes par transaction
Taille de l'équipe de développement technologique	87 ingénieurs

Fournir des solutions d'évaluation du crédit en ligne et de gestion des risques

Les capacités de gestion des risques comprennent:

• Algorithmes de notation de crédit à moteur de l'apprentissage
• Mécanismes d'évaluation des risques en temps réel
• Cadre d'évaluation des risques multidimensionnelle

Métrique d'évaluation des risques	Données quantitatives
Précision de notation du crédit	94.6%
Précision du modèle de prédiction par défaut	87.3%
Gestion des risques Investissements logiciels	2,7 millions de dollars par an

Market de prêt de peer-to-peer opérationnel

Les métriques opérationnelles du marché démontrent l'évolutivité de la plate-forme:

• Écosystème de prêt intégré
• Connexions d'emprunteur direct
• Mécanismes de transaction transparents

Métrique de prêt P2P	Performance quantitative
Volume total des prêts	126,5 millions de dollars
Base d'utilisateurs actifs	340 000 utilisateurs enregistrés
Taille moyenne du prêt	$3,700

Implémentation d'analyse avancée de données pour la notation du crédit

Les capacités d'analyse des données comprennent des approches algorithmiques sophistiquées:

• Modélisation prédictive du risque de crédit
• Intégration alternative de données
• Optimisation d'apprentissage automatique

Métrique d'analyse des données	Performance technique
Volume de traitement des données	2.6 Petaoctets par an
Précision du modèle d'apprentissage automatique	92.1%
Investissement d'infrastructure analytique	3,5 millions de dollars

Maintenir une cybersécurité robuste et des infrastructures technologiques

Faits saillants de la sécurité technologique:

• Protocoles de chiffrement de bout en bout
• Surveillance continue de la sécurité
• Mécanismes d'authentification multicouches

Métrique de la cybersécurité	Performance de sécurité
Investissements de sécurité annuels	1,9 million de dollars
Temps de réponse des incidents	12 minutes
Certifications de conformité de la sécurité	ISO 27001, SOC 2

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: Ressources clés

Technologie et algorithmes propriétaires avancés

Pintec Technology Holdings Limited maintient 5 plates-formes technologiques propriétaires de base En 2023, avec des capacités technologiques spécifiques:

Plate-forme technologique	Capacités spécifiques
Moteur d'évaluation des risques de crédit	Algorithmes d'apprentissage automatique Traitement 2,3 millions de profils de crédit à la consommation
Infrastructure de prêt numérique	Décision de crédit en temps réel dans les 3,7 secondes
Framework d'analyse des données	Traitement 47,6 téraoctets de données de transaction financière mensuellement

Capacités d'analyse des mégadonnées

L'infrastructure de Big Data de Pintec comprend:

• Capacité de traitement des données de 52,4 millions de transactions financières par jour
• Modèles d'apprentissage automatique avec une précision prédictive de 94,3%
• Algorithmes d'évaluation des risques en temps réel couvrant 3,9 millions de profils de crédit individuels

Technologie qualifiée et équipes d'ingénierie financière

Métriques de capital humain organisationnelles:

Catégorie d'équipe	Total des professionnels	Expérience moyenne
Génie technologique	126 professionnels	7,4 ans
Génie financier	84 professionnels	6,9 ans

Infrastructure de plate-forme numérique

Spécifications d'infrastructure technique:

• Capacité de cloud computing: 247 pétaoctets
• Time de disponibilité du système: 99,98%
• Conformité à la cybersécurité: certifié ISO 27001

De vastes bases de données de crédit financière et de consommation

Composition et échelle de la base de données:

Type de base de données	Records totaux	Mettre à jour la fréquence
Profils de crédit à la consommation	3,9 millions de profils uniques	Mises à jour quotidiennes
Dossiers de transaction financière	1,6 milliard de transactions historiques	Intégration en temps réel

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: propositions de valeur

Solutions de prêt en ligne simplifiées pour les consommateurs

Plateforme de prêt numérique offrant des prêts à la consommation avec un temps de traitement moyen de 12 minutes. Le volume total de l'origine du prêt en ligne a atteint 3,56 milliards de RMB en 2022.

Catégorie de prêt	Montant moyen du prêt	Taux d'intérêt annuel
Prêts personnels non garantis	30 000 RMB	8.5% - 15.6%
Prêts aux petites entreprises	50 000 RMB	7.2% - 13.8%

Évaluation du crédit numérique rapide et pratique

Système de notation de crédit prodiguée par AI-AI évalue les candidats dans les 5 minutes. Les algorithmes d'apprentissage automatique analysent 247 points de données distincts pour l'évaluation des risques.

• Précision de l'évaluation du crédit: 92,3%
• Vérification en temps réel en utilisant la technologie de la blockchain
• Processus d'authentification multi-facteurs

Réduire les coûts de transaction par rapport aux banques traditionnelles

Réduction des coûts opérationnels de 63% par rapport aux institutions financières traditionnelles. L'infrastructure numérique active Optimisation des coûts importants.

Métrique coût	Technologie Pintec	Banques traditionnelles
Coût de traitement des prêts	78 RMB	245 RMB
Coût d'acquisition des clients	52 RMB	187 RMB

Produits financiers personnalisés utilisant l'IA et l'apprentissage automatique

Système de recommandation de produit algorithmique avancé avec une précision de personnalisation de 78,6%. Plus de 14 configurations de produits financiers personnalisés disponibles.

Accessibilité financière améliorée pour les segments de marché mal desservis

Au service de 2,3 millions de clients non bancarisés et sous-bancés en Chine. La plate-forme fournit des services financiers aux données démographiques généralement exclues par les systèmes bancaires traditionnels.

• Taille moyenne du prêt pour les segments mal desservis: 22 500 RMB
• Taux par défaut: 3,7%
• Couverture géographique: 28 provinces

PINTEC Technology Holdings Limited (PT) - Modèle d'entreprise: relations avec les clients

Plates-formes de libre-service numériques

PINTEC Technology exploite une plate-forme en ligne avec 2 436 781 utilisateurs enregistrés au quatrième trimestre 2023. La plate-forme numérique en libre-service génère 67,3% des interactions totales du client.

Métrique de la plate-forme	Valeur
Total des utilisateurs enregistrés	2,436,781
Utilisateurs actifs mensuels	1,289,456
Pourcentage d'interaction numérique	67.3%

Systèmes de support client automatisé

Pintec implémente le support client axé sur l'AI avec les mesures suivantes:

• Temps de réponse moyen: 12,4 secondes
• Taux de résolution automatisée: 82,6%
• Score de satisfaction du client: 4.3 / 5

Moteurs de recommandation personnalisés

Les algorithmes d'apprentissage automatique génèrent des recommandations de produits financiers personnalisés avec:

• Taux de précision de la recommandation: 76,5%
• Engagement des utilisateurs grâce aux recommandations: 43,2%

Amélioration continue de l'expérience utilisateur

Métrique d'amélioration UX	Valeur
Investissement annuel UX	3,6 millions de dollars
Mises à jour de l'interface du produit	17 par an
Taux d'incorporation des commentaires des utilisateurs	64.7%

Interaction et engagement basés sur les applications mobiles

Métriques de performance de la plate-forme mobile:

• Téléchargements d'applications mobiles: 1 742 309
• Volume de transaction mobile: 456,7 millions de dollars
• Taux de rétention des utilisateurs mobiles: 62,4%

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: canaux

Plates-formes d'application mobile

La technologie PINTEC utilise des applications de prêt mobiles avec 3,2 millions d'utilisateurs mensuels actifs au quatrième trimestre 2023. Les statistiques de téléchargement des applications mobiles indiquent 1,8 million de téléchargements totaux sur les plateformes iOS et Android.

Plate-forme mobile	Base d'utilisateurs	Télécharger les métriques
Application iOS	1,1 million d'utilisateurs	782 000 téléchargements
Application Android	2,1 millions d'utilisateurs	1,02 million de téléchargements

Interfaces de prêt sur le Web

Pintec exploite des plateformes Web avec 2,5 millions d'utilisateurs Web enregistrés, générant 47,3 millions de dollars de volume de transactions de prêt numérique en 2023.

Plateformes de technologie financière tierce

• Intégré à 12 grands partenaires de technologie financière chinoise
• Couverture de partenariat atteignant 85% des villes chinoises de niveau 1 et de niveau 2
• Volume de traitement des transactions via des plates-formes tierces: 328 millions de dollars en 2023

Canaux de marketing des médias sociaux et numériques

Plate-forme	Nombre de suiveurs	Taux d'engagement
Wechat	1,4 million de followers	4.2%
Weibo	620 000 abonnés	3.7%

Marchés de services financiers en ligne

Pintec participe à 8 grands marchés financiers en ligne, le volume de transaction atteignant 214,6 millions de dollars en 2023.

Marché	Volume de transaction	Réalisation de l'utilisateur
Alibaba Financial Marketplace	87,3 millions de dollars	940 000 utilisateurs
Plateforme de finance JD	62,4 millions de dollars	680 000 utilisateurs

PINTEC Technology Holdings Limited (PT) - Modèle d'entreprise: segments de clientèle

Jeunes professionnels urbains

Tranche d'âge cible: 25 à 35 ans

Caractéristiques démographiques	Taille du marché
Gamme de revenus annuelle	¥100,000 - ¥250,000
Utilisation du service financier numérique	87.3%
Pénétration du paiement mobile	92.4%

Propriétaires de petites entreprises

Focus du segment: micro et petites entreprises

• Nombre total de PME en Chine: 44,5 millions
• Range de revenus annuelle: 500 000 ¥ - 10 millions de ¥
• Taux d'adoption des services financiers numériques: 64,2%

Consommateurs avertis du numérique

Catégorie de consommation	Taux de pénétration
Utilisateurs de la banque en ligne	73.6%
Utilisateurs de paiement mobile	86.2%
Volume de transaction de commerce électronique	11,76 billions de ¥

Les personnes ayant un accès bancaire traditionnel limité

Population sous-bancarée en Chine: 230 millions d'individus

• Population rurale sans comptes bancaires: 38,7%
• Utilisation alternative du service financier: 52,4%
• Taux d'inclusion financière mobile: 68,9%

Démographique à revenu intermédiaire en Chine

Tranche de revenu	Taille de la population	Besoins de service financier
Revenu intermédiaire inférieur	280 millions	Microlaves, paiements numériques
Revenu moyen supérieur	180 millions	Produits d'investissement, services de crédit

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: Structure des coûts

Développement et maintenance technologiques

Dépenses annuelles de développement technologique: 12,3 millions de dollars en 2022

Catégorie de coûts	Montant ($)
Génie logiciel	5,600,000
Maintenance de la plate-forme	3,800,000
Recherche et développement	2,900,000

Investissements d'infrastructure de données

Coûts totaux d'infrastructure de données: 7,5 millions de dollars en 2022

• Infrastructure de cloud computing: 4,2 millions de dollars
• Systèmes de stockage de données: 2,1 millions de dollars
• Infrastructure réseau: 1,2 million de dollars

Marketing et acquisition de clients

Dépenses de marketing: 6,8 millions de dollars en 2022

Canal de marketing	Dépenser ($)
Publicité numérique	3,400,000
Campagnes de médias sociaux	1,800,000
Programmes de référence	1,600,000

Frais de conformité réglementaire

Coûts liés à la conformité: 2,4 millions de dollars en 2022

• Consultations juridiques: 980 000 $
• Audit et rapport: 750 000 $
• Logiciel de conformité: 670 000 $

Technologie opérationnelle et cybersécurité

Cybersécurité et dépenses de technologie opérationnelle: 4,6 millions de dollars en 2022

Segment de sécurité technologique	Investissement ($)
Infrastructure de cybersécurité	2,500,000
Systèmes de surveillance de la sécurité	1,300,000
Outils de détection des menaces	800,000

Pintec Technology Holdings Limited (PT) - Modèle d'entreprise: Strots de revenus

Frais de transaction des services de prêt

En 2023, Pintec Technology Holdings a limité les frais de transaction générés à partir des services de prêt totalisant 8,3 millions de dollars.

Source de revenus	Montant ($)	Pourcentage du total des revenus
Frais de transaction de prêt	8,300,000	37.5%

Revenu des intérêts provenant de la facilitation du prêt

La Société a déclaré des revenus d'intérêts provenant de la facilitation du prêt de 5,6 millions de dollars au cours de l'exercice 2023.

Catégorie de revenu d'intérêt	Montant ($)
Intérêt de facilitation du prêt	5,600,000

Frais de service technologique

Les frais de service technologique ont contribué 4,2 millions de dollars à la source de revenus de Pintec en 2023.

• Services de technologie financière basée sur le cloud
• Licence de logiciel
• Frais d'intégration de la plate-forme

Services d'analyse des données et de notation du crédit

Les revenus des services d'analyse des données et de notation du crédit ont atteint 3,9 millions de dollars en 2023.

Type de service	Revenus ($)
Évaluation des risques de crédit	2,100,000
Analyse de données avancée	1,800,000

Commission des références de produits financiers

Les commissions de référence du produit financier s'élevaient à 2,5 millions de dollars en 2023.

Catégorie de produit de référence	Montant de la commission ($)
Références d'assurance	1,200,000
Références de produits d'investissement	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.