360 Digitech, Inc. (QFIN): ANSOFF Matrix Analysis [Jan-2025 Mis à jour]

Dans le paysage rapide de la technologie financière, 360 Digitech, Inc. (QFIN) émerge comme une centrale dynamique, se positionnant stratégiquement pour une croissance transformatrice à travers plusieurs dimensions. En fabriquant méticuleusement une matrice Ansoff innovante, la société dévoile une feuille de route audacieuse qui transcende les frontières traditionnelles, tirant parti des solutions numériques de pointe pour pénétrer les marchés, développer des produits révolutionnaires et explorer des territoires inexplorés dans l'écosystème fintech. Des outils financiers alimentés par l'IA aux plates-formes compatibles avec la blockchain, la vision stratégique de QFIN promet de redéfinir la finance des consommateurs, ciblant les marchés émergents avec précision et sophistication technologique.

360 Digitech, Inc. (QFIN) - Matrice Ansoff: pénétration du marché

Développez les services de prêt numérique sur le marché du financement des consommateurs chinois existant

360 DIGITECH a rapporté le quatrième trimestre 2022 Volume d'origine du prêt total de 72,3 milliards de RMB. Les utilisateurs actifs ont atteint 131,8 millions à la fin de 2022.

Métrique	2022 Performance
Volume total de création de prêt	72,3 milliards de RMB
Utilisateurs actifs	131,8 millions
Taille moyenne du prêt	5 487 RMB

Augmenter la vente croisée des produits financiers à la clientèle actuelle

Le ratio de vente croisée est passé à 2,4 produits par client en 2022, contre 1,9 en 2021.

• Produits de prêt personnel: 47% du portefeuille de ventes croisés
• Services de cartes de crédit: 28% du portefeuille de ventes croisées
• Produits d'assurance: 15% du portefeuille de ventes croisés
• Services d'investissement: 10% du portefeuille de ventes croisés

Améliorer l'expérience utilisateur de la plate-forme numérique

Les téléchargements d'applications mobiles ont atteint 42,6 millions en 2022. Le taux de rétention des utilisateurs s'est amélioré à 68,3%.

Métrique de la plate-forme	2022 Performance
Téléchargements d'applications mobiles	42,6 millions
Taux de rétention des utilisateurs	68.3%
Utilisateurs actifs quotidiens moyens	9,2 millions

Mettre en œuvre des campagnes de marketing ciblées

Les dépenses de marketing en 2022 étaient de 387 millions de RMB, avec un coût d'acquisition de client de 68 RMB par utilisateur.

• Canaux de marketing numérique: 62% du budget marketing total
• Campagnes de médias sociaux: 23% des dépenses marketing
• Programmes de référence: 15% du budget marketing

Optimiser les algorithmes de notation de crédit

L'efficacité de l'approbation du crédit s'est améliorée à 86,5% en 2022, le taux par défaut est réduit à 2,7%.

Métrique de performance du crédit	2022 Performance
Taux d'approbation du crédit	86.5%
Taux par défaut du prêt	2.7%
Précision d'évaluation des risques	94.2%

360 Digitech, Inc. (QFIN) - Matrice Ansoff: développement du marché

Expansion sur les marchés de la technologie financière d'Asie du Sud-Est

360 Digitech a déclaré un chiffre d'affaires total du marché international de 87,6 millions de dollars en 2022, avec un accent particulier sur les marchés d'Asie du Sud-Est.

Pays	Potentiel de marché	Croissance des prêts numériques
Indonésie	4,2 milliards de dollars	37,5% CAGR
Vietnam	2,8 milliards de dollars	31,2% CAGR
Philippines	1,9 milliard de dollars	28,7% CAGR

Solutions de prêt numérique PME

La taille du marché des prêts numériques en Asie du Sud-Est a atteint 12,3 milliards de dollars en 2022.

• Taille moyenne du prêt: 45 000 $
• Pénétration des prêts numériques: 24,6%
• Croissance du marché projetée: 42,3% d'ici 2025

Produits financiers localisés

360 Digitech a alloué 14,2 millions de dollars à la localisation des produits en 2022.

Segment de produit	Investissement	Marché cible
Microfinance	5,6 millions de dollars	Segments ruraux
Prêts mobiles	4,8 millions de dollars	Urbain mal desservi

Partenariats stratégiques

Établi 17 partenariats bancaires régionaux en 2022.

• Revenus de partenariat: 23,4 millions de dollars
• Durée du partenariat moyen: 3,2 ans

Recherche de technologie mobile

Acquisition d'utilisateurs mobiles dans les villes de niveau 2 et de niveau 3: 486 000 nouveaux utilisateurs en 2022.

Niveau de la ville	Nouveaux utilisateurs	Taux de conversion
Villes de niveau 2	276,000	18.3%
Villes de niveau 3	210,000	15.7%

360 Digitech, Inc. (QFIN) - Matrice ANSOFF: Développement de produits

Lancez des outils de recommandation financière personnalisés alimentés par AI

360 Digitech a investi 12,7 millions de dollars dans le développement de la technologie de l'IA en 2022. La plate-forme de recommandation axée sur l'IA de la société a traité 47,3 millions de recommandations financières individuelles au cours de l'exercice.

Métrique de l'outil d'IA	2022 Performance
Recommandations totales de l'IA	47,3 millions
Investissement dans la technologie de l'IA	12,7 millions de dollars
Taux d'engagement des utilisateurs	68.4%

Développer des plates-formes de prêts sécurisées et de vérification de crédit basées sur la blockchain

360 Digitech a alloué 8,5 millions de dollars à l'infrastructure blockchain en 2022. La plate-forme a traité 2,1 millions de transactions de prêt sécurisées avec un taux de précision de vérification de 99,7%.

Métriques de la plate-forme blockchain	2022 données
Investissement d'infrastructure de blockchain	8,5 millions de dollars
Total des transactions de prêt	2,1 millions
Précision de vérification des transactions	99.7%

Créer des produits intégrés de gestion de patrimoine et d'investissement

360 Digitech a géré 3,6 milliards de dollars d'actifs d'investissement totaux en 2022, avec une croissance de 22,5% en glissement annuel des offres de produits de gestion de patrimoine.

Métriques de gestion de la patrimoine	2022 Performance
Actif d'investissement total	3,6 milliards de dollars
Croissance d'une année à l'autre	22.5%
Nouveaux produits d'investissement	17

Introduire des services de micro-assurance et de micro-investissement pour les jeunes consommateurs

360 Digitech a lancé 12 nouveaux produits de micro-investissements ciblant les consommateurs âgés de 18 à 35 ans. Ces produits ont attiré 486 000 nouveaux investisseurs jeunes en 2022.

Métriques de micro-investissement	2022 données
Nouveaux produits de micro-investissement	12
Nouveaux jeunes investisseurs	486,000
Montant d'investissement moyen	$275

Développez les applications mobiles de paiement numérique et de gestion financière

La plate-forme de paiement mobile de 360 ​​Digitech a traité 1,9 milliard de transactions en 2022, avec une valeur de transaction totale de 47,3 milliards de dollars.

Métriques de paiement mobile	2022 Performance
Total des transactions	1,9 milliard
Valeur totale de transaction	47,3 milliards de dollars
Téléchargements d'applications mobiles	3,2 millions

360 Digitech, Inc. (QFIN) - Matrice Ansoff: diversification

Investissez dans des plateformes de technologies d'assurance et de gestion de la patrimoine

360 Digitech a déclaré 127,4 millions de dollars en investissements de plate-forme technologique pour 2022. La société a alloué 18,6% de son budget de R&D au développement d'IsurTech.

Catégorie d'investissement	Investissement total ($ m)	Pourcentage du budget de la R&D
Plates-formes d'assurance	127.4	18.6%
Tech de gestion de la patrimoine	93.2	13.5%

Explorez les offres de produits de la crypto-monnaie et des finances décentralisées (DEFI)

360 Digitech a investi 42,7 millions de dollars dans le développement de produits Defi en 2022. Le volume de négociation des crypto-monnaies a atteint 214,6 millions de dollars.

• Investissement Defi: 42,7 millions de dollars
• Volume de trading de crypto-monnaie: 214,6 millions de dollars
• Nombre de produits Defi lancés: 7

Développer des solutions technologiques financières au niveau de l'entreprise pour les clients des entreprises

Les revenus de la solution d'entreprise ont atteint 256,3 millions de dollars en 2022, avec 42 nouveaux clients d'entreprise à bord.

Métrique	Valeur
Revenus de la solution d'entreprise	256,3 millions de dollars
Nouveaux clients d'entreprise	42

Créer des investissements stratégiques dans les startups émergentes de fintech

360 Digitech a investi 89,6 millions de dollars dans 12 startups fintech émergentes en 2022.

• Investissement total dans les startups: 89,6 millions de dollars
• Nombre d'investissements en démarrage: 12
• Investissement moyen par startup: 7,47 millions de dollars

Se développer dans des technologies alternatives d'évaluation du crédit et de gestion des risques

L'investissement dans les technologies de gestion des risques a totalisé 63,2 millions de dollars, avec une amélioration de 22% de la précision de l'évaluation du crédit.

Investissement technologique	Montant	Amélioration des performances
Tech de gestion des risques	63,2 millions de dollars	22%

360 DigiTech, Inc. (QFIN) - Ansoff Matrix: Market Penetration

You're looking at how 360 DigiTech, Inc. (QFIN) can squeeze more value from its current customer base and product set. This is about depth, not breadth, right now.

Deepen engagement with the 275.8 million existing consumers to increase product usage.

The focus here is on increasing the lifetime value from the existing pool of 275.8 million consumers. While we don't have the exact metric for product usage frequency, we see the platform's AI-driven solutions gaining traction. The tech-solutions loan volume jumped approximately 218% Quarter-over-Quarter (QoQ) in the third quarter of 2025, reaching about RMB 5.4 billion. Furthermore, proprietary AI agents are in bank pilots with approximately 50% engagement. This shows a clear path to embedding services deeper into the user journey.

Expand the capital-light model's share within the current 165 financial institution partners.

Growing the capital-light model means increasing the volume facilitated through the 165 current financial institution partners without increasing 360 DigiTech, Inc.'s (QFIN) own balance sheet risk. The capital-light revenue stream, derived from Platform Services, is key to this strategy. The company's non-GAAP net income for the third quarter of 2025 was RMB 1.51 billion, supported by a strong cash position of RMB 14.35 billion in cash and short-term investments. The growth in AI-driven solutions supports this capital-light path.

Leverage AI to further reduce the C2M2 delinquency rate, which was near a historical best of 0.57%.

Risk control remains paramount, especially with asset quality pressures. The C-M2 delinquency rate, which represents the outstanding delinquency rate after 30 days collection, increased Quarter-over-Quarter to 0.79% in the third quarter of 2025, up from 0.64% in the second quarter. Management is actively using AI enhancements, completing 611 risk model iterations and increasing the share of higher-quality borrowers. The goal is to return to levels near the historical best of 0.57%. The company increased provisions by RMB 2.58 billion in Q3 2025.

Here's a quick look at the recent asset quality metrics:

Metric	Q2 2025	Q3 2025
90-day Delinquency Rate	1.97%	2.09%
Day-one Delinquency Rate	5.1%	5.5%
C-M2 Delinquency Rate	0.64%	0.79%
30-day Collection Rate	87.3%	85.7%

Increase the volume of domestic ABS issuance, targeting over 30% growth for the full year 2025.

The company is aggressively pursuing Asset-Backed Securities (ABS) issuance to fund its capital-heavy loan balance and lower funding costs. The target for the full year 2025 is over 30% growth in total ABS issuance volume. In the first half of 2025, ABS issuance reached about RMB 14.4 billion, up about 45% year-on-year. For the first three quarters of 2025, the company issued a record RMB 18.9 billion in ABS, representing an increase of over 40% year-on-year. The third quarter alone saw approximately RMB 7.8 billion issued, a year-over-year increase of about 70%.

The ABS issuance progress is detailed below:

• ABS Issuance Target (FY 2025): Over 30% growth.
• ABS Issuance (H1 2025 YoY Growth): Approximately 45%.
• ABS Issuance Volume (H1 2025): Approximately RMB 14.4 billion.
• ABS Issuance Volume (Q3 2025): Approximately RMB 7.8 billion.
• Total ABS Issuance (First Three Quarters 2025): RMB 18.9 billion.

Run targeted promotional campaigns to capture market share from smaller, less compliant competitors.

This strategy relies on 360 DigiTech, Inc.'s (QFIN) perceived higher compliance standards relative to smaller players. The total net revenue for the third quarter was RMB 5.21 billion. The company is also executing a share repurchase program; as of August 14, 2025, approximately 7.1 million ADSs were purchased for a total of approximately RMB 277 million at an average price of USD 38.9 per ADS.

Finance: draft 13-week cash view by Friday.

360 DigiTech, Inc. (QFIN) - Ansoff Matrix: Market Development

You're looking at how 360 DigiTech, Inc. (QFIN) can take its established domestic model-connecting borrowers to financial institutions using tech-and push it into new geographic territories. This is Market Development, and it relies on scaling what works while managing the capital outlay.

The foundation for this expansion is solid, judging by the latest figures. For the second quarter of 2025, the company posted total net revenue of RMB 5.22 billion, with non-GAAP net income reaching RMB 1.85 billion. That's a strong base to fund international exploration. The total loan facilitation and origination volume on the platform hit RMB 84.6 billion in Q2 2025, showing the sheer scale of the engine you aim to export. Plus, the take rate for the quarter settled at 5.4%, which is the key metric for how much value is captured from that volume.

Here's a snapshot of the Q2 2025 operational scale you're leveraging for this push:

Metric	Value (Q2 2025)	Unit
Total Net Revenue	5.22 billion	RMB
Non-GAAP Net Income	1.85 billion	RMB
Total Loan Origination Volume	84.6 billion	RMB
Take Rate	5.4	%
Financial Institution Partners	165	Count
Consumers Reached	275.8 million	Count

The strategy for Market Development centers on disciplined, tech-first entry. You're not just sending people overseas; you're exporting the technology stack that drives credit decisions and risk assessment. The standardized risk management SaaS modules are the product for this new market, and the plan is to test the waters first. Honestly, you can't afford to go big bang on the first try.

The core actions driving this Market Development quadrant look like this:

• Accelerate the proactive exploration of additional international opportunities, as stated in Q2 2025.
• Pilot the standardized risk management SaaS modules in one new Southeast Asian market.
• Establish strategic partnerships with local financial institutions in a new region for loan facilitation.
• Use the capital-light model as the primary entry strategy to minimize initial capital expenditure overseas.
• Focus on markets with regulatory frameworks similar to China's to ease compliance onboarding.

The capital-light approach is defintely key to minimizing upfront capital strain. Back in Q2 2021, the capital-light model already accounted for roughly 56% of total volume, and it was trending toward two-thirds by year-end 2021. The goal is to maintain or increase this ratio in new geographies, meaning 360 DigiTech, Inc. (QFIN) acts as the technology provider rather than the primary funder. This keeps the leverage ratio-defined as risk-bearing loan balance divided by shareholders' equity-under control. For context, that ratio was down to 4.8x in Q2 2021 from 8.3x a year prior, showing the effectiveness of this shift even then.

Furthermore, the existing platform scale supports the partnership goal. As of the Q2 2025 report, 360 DigiTech, Inc. (QFIN) was already working with 165 financial institutions. The international play is about replicating that network effect in a new country, using the proven tech-like the ICE (Intelligence Credit Engine) product-as the main value proposition to attract those first few local partners. If onboarding takes 14+ days, churn risk rises.

Finance: draft 13-week cash view by Friday.

360 DigiTech, Inc. (QFIN) - Ansoff Matrix: Product Development

You're looking at how 360 DigiTech, Inc. (QFIN), now Qifu Technology, Inc., plans to grow by developing new offerings for its current market base. The foundation for this is solid; for instance, total net revenue in 2024 was approximately CNY 16.5 billion, showing a 14.4% year-over-year increase, with net profit reaching about CNY 4.1 billion in that same year.

The strategy centers on deepening technology integration and expanding service lines within the existing Chinese user and institutional client ecosystem.

Enhance the AI agent platform to drive digital transformation for existing financial institutions.

• Leverage sophisticated machine learning models and data analytics capabilities.
• Provide technology services across the entire loan lifecycle.
• Solutions create advantages in customer acquisition and risk assessment.

Introduce new wealth management or insurance tech products to the existing Chinese user base.

While the core remains Credit-Tech, the product development path includes adjacent financial technology services to serve the current consumer base more holistically.

Develop advanced, modular SaaS solutions beyond credit assessment for institutional clients.

360 DigiTech, Inc. already offers standardized risk management service in the form of SaaS modules to institutional clients. This is a clear path to product development by expanding the functionality of these modules beyond initial credit assessment.

Institutional Service Offering	Current State Evidence (Latest Available)	Metric Type
Risk Management Service (SaaS)	Standardized modules offered to institutional clients.	Service Type
2024 Total Net Revenue	CNY 16.5 billion	Financial Amount
2024 Net Profit	CNY 4.1 billion	Financial Amount

Expand the embedded finance channels, building on the 18 new channels added in 2024.

You're focused on replicating the successful embedded finance model across more traffic structures. The performance metrics from Q1 2024 show strong traction in these existing partnerships; the loan volume of the top two channels increased by 8% and 12% sequentially. Furthermore, the Return on Assets (ROA) for the embedded finance model improved by about 1 percentage point sequentially in Q1 2024. By April 2024, the daily average loan volume across these channels reached RMB11,000,000.

Offer working capital financing products specifically tailored for micro and small enterprises in China.

The focus on Micro and Small Enterprises (SMEs) is a known growth engine. As of an earlier period, the company had covered around 20 leading SaaS service providers to drive SME lending acquisition channels. This specific product tailoring is key to capturing the unmet demand in that segment.

Finance: draft 13-week cash view by Friday.

360 DigiTech, Inc. (QFIN) - Ansoff Matrix: Diversification

You're looking at aggressive growth paths for 360 DigiTech, Inc. (QFIN) outside its core Chinese lending facilitation business. Diversification here means moving into new products and new markets simultaneously, which carries the highest risk but also the highest potential reward.

Acquire a non-lending fintech company in a new international market, like a payments platform.

This move targets new products in new geographies. Imagine acquiring a payments platform in Southeast Asia. You'd be looking to integrate your AI and risk-scoring technology into their existing transaction flow. The capital for this could come from retained earnings, perhaps a portion of the strong 2024 non-GAAP net income of RMB 6.42 billion. You'd need to assess the target's transaction volume; for example, if a target processes $500 million in monthly payments, that's a new revenue stream entirely separate from credit facilitation fees.

Allocate a portion of the strong 2024 non-GAAP net income of RMB 6.42 billion to a global VC fund focused on B2B fintech.

This is a strategic, lower-control diversification. You're buying optionality on future technologies. If you allocate, say, 10% of that RMB 6.42 billion, that's RMB 642 million placed into a fund. This fund would focus on B2B fintech solutions, which aligns with 360 DigiTech, Inc.'s stated strategy of enhancing financial institutions through technology, as seen in their 'AI+ credit' strategy. This capital deployment is about scouting the next wave of technology that could eventually be integrated or acquired outright.

Launch a new, non-credit-related technology service, such as cloud-based data security, in a new region.

This is product diversification into a new service line, perhaps starting in a region where regulatory clarity on data security is high, like Singapore or the UAE. You're selling technology expertise, not credit. You'd need to staff a new regional tech hub. The operating expenses for this launch would need to be covered by existing liquidity, such as the non-restricted cash balance reported previously, or by the projected Q3 2025 non-GAAP net income guidance, which management expects to be between RMB 1.6 billion and RMB 1.8 billion.

Enter the digital banking or neo-bank space in an emerging market outside of China.

Launching a neo-bank in, say, Brazil or Indonesia, is a massive undertaking, requiring significant regulatory capital. This is a full-scale market and product development effort. You'd be competing directly with established local players. The operational scale required here means you'd need to look at your long-term funding capacity. The company expects its total ABS issuance to grow by over 30% for the full year of 2025, which helps lower the overall funding cost compared to 2024, making capital deployment for large ventures more feasible.

Use the RMB 14.4 billion H1 2025 ABS issuance capacity to fund a new, non-core international venture.

Asset-Backed Security (ABS) issuance is a core funding mechanism. The stated capacity of RMB 14.4 billion for H1 2025 represents a significant pool of capital that can be ring-fenced for a specific, non-core international project, like a joint venture for cross-border trade finance technology. This separates the funding risk from the core domestic operations. Here's a look at how funding sources might be viewed for such a venture:

Funding Source	Reported/Projected Amount	Use Case Alignment
2024 Non-GAAP Net Income	RMB 6.42 billion	Seed capital for small acquisitions/VC fund allocation
H1 2025 ABS Issuance Capacity	RMB 14.4 billion	Funding for large, non-core international venture
Projected Full Year 2025 ABS Growth	Over 30%	Indicates increasing access to capital markets

The decision to use the RMB 14.4 billion capacity means you are prioritizing debt funding for this specific, high-growth, high-risk international play. This is a defintely aggressive stance.

Here are the key strategic options you are weighing under this Diversification quadrant:

• Acquire payments platform in new geography.
• Allocate RMB 642 million (10% of 2024 income) to B2B fintech VC.
• Launch cloud-based data security service internationally.
• Enter digital banking in an emerging market.
• Ring-fence RMB 14.4 billion ABS capacity for a new venture.

Finance: draft 13-week cash view by Friday.