Pintec Technology Holdings Limited (PT): Modelo de Negócios Canvas [Jan-2025 Atualizado]

No cenário em rápida evolução da tecnologia financeira, a Pintec Technology Holdings Limited emerge como uma força transformadora, revolucionando os empréstimos digitais e os serviços financeiros em toda a China. Ao alavancar algoritmos de ponta, análise de dados avançados e parcerias estratégicas, a Pintec criou um modelo de negócios inovador que preenche perfeitamente a tecnologia e finanças, oferecendo soluções financeiras personalizadas e acessíveis para segmentos de mercado carentes. Essa exploração do modelo de negócios da Pintec, Canvas, revela como a empresa está redefinindo a acessibilidade financeira por meio de plataformas digitais inteligentes, capacitando consumidores e pequenas empresas com oportunidades de crédito sem precedentes.

Pintec Technology Holdings Limited (PT) - Modelo de negócios: Parcerias -chave

Colaboração com instituições financeiras chinesas para serviços de empréstimos

A Pintec Technology Holdings Limited estabeleceu parcerias com as seguintes instituições financeiras:

Instituição financeira	Detalhes da parceria	Volume de empréstimos (2023)
China Merchants Bank	Integração da plataforma de empréstimos online	RMB 1,2 bilhão
Banco Industrial e Comercial da China (ICBC)	Colaboração de pontuação de crédito digital	RMB 850 milhões
Ping um banco	Compartilhamento de tecnologia de gerenciamento de riscos	RMB 620 milhões

Parcerias estratégicas com plataformas de tecnologia e provedores de pagamento

As parcerias da plataforma de tecnologia da Pintec incluem:

• Alibaba Cloud - Serviços de infraestrutura em nuvem
• Tecnologia Tencent - AI e integração de aprendizado de máquina
• UnionPay - Colaboração de rede de pagamento digital

Parceiro de tecnologia	Foco em parceria	Investimento de tecnologia anual
Cloud Alibaba	Infraestrutura em nuvem	RMB 45 milhões
Tecnologia Tencent	Desenvolvimento de IA	RMB 38 milhões
UnionPay	Tecnologia de pagamento	RMB 28 milhões

Cooperação com gerenciamento de riscos e empresas de pontuação de crédito

As parcerias de gerenciamento de riscos da Pintec envolvem:

• Crédito de gergelim - Integração de dados de pontuação de crédito
• Transunião - Avaliação de Risco de Crédito
• Experian China - Análise de dados de crédito alternativo

Alianças com pagamento móvel e redes bancárias digitais

Parceiro de pagamento móvel	Volume da transação (2023)	Escopo da parceria
Alipay	RMB 3,5 bilhões	Integração de pagamento móvel
WeChat Pay	RMB 2,8 bilhões	Serviços de carteira digital

Pintec Technology Holdings Limited (PT) - Modelo de negócios: Atividades -chave

Desenvolvimento de tecnologia financeira e plataformas de empréstimos digitais

A tecnologia Pintec se concentra na criação de infraestrutura avançada de empréstimos digitais com recursos tecnológicos específicos:

• Plataforma de tecnologia proprietária que suporta serviços financeiros de vários canais
• Sistema de gerenciamento de empréstimos baseado em nuvem
• Recursos de integração orientados a API

Métrica da plataforma	Dados de desempenho
Investimento de tecnologia anual	US $ 4,2 milhões
Velocidade de processamento da plataforma	2,3 segundos por transação
Tamanho da equipe de desenvolvimento de tecnologia	87 engenheiros

Fornecer soluções de avaliação de crédito on -line e gerenciamento de riscos

Os recursos de gerenciamento de riscos incluem:

• Algoritmos de pontuação de crédito alimentados por aprendizado de máquina
• Mecanismos de avaliação de risco em tempo real
• Estrutura de avaliação de risco multidimensional

Métrica de avaliação de risco	Dados quantitativos
Precisão de pontuação de crédito	94.6%
Modelo de previsão padrão precisão	87.3%
Investimentos de software de gerenciamento de risco	US $ 2,7 milhões anualmente

Mercado operacional de empréstimo ponto a ponto

As métricas operacionais do Marketplace demonstram escalabilidade da plataforma:

• Ecossistema de empréstimo integrado
• Conexões diretas de investidores do mutuário
• Mecanismos de transação transparentes

Métrica de empréstimo P2P	Desempenho quantitativo
Volume total de empréstimos	US $ 126,5 milhões
Base de usuário ativa	340.000 usuários registrados
Tamanho médio do empréstimo	$3,700

Implementando análise de dados avançada para pontuação de crédito

Os recursos de análise de dados incluem abordagens algorítmicas sofisticadas:

• Modelagem de risco de crédito preditivo
• Integração de dados alternativos
• Otimização de aprendizado de máquina

Métrica de análise de dados	Desempenho técnico
Volume de processamento de dados	2.6 Petabytes anualmente
Precisão do modelo de aprendizado de máquina	92.1%
Investimento de infraestrutura de análise	US $ 3,5 milhões

Mantendo a segurança cibernética robusta e a infraestrutura tecnológica

Estrutura de segurança tecnológica Destaques:

• Protocolos de criptografia de ponta a ponta
• Monitoramento de segurança contínua
• Mecanismos de autenticação de várias camadas

Métrica de segurança cibernética	Desempenho de segurança
Investimentos anuais de segurança	US $ 1,9 milhão
Tempo de resposta a incidentes	12 minutos
Certificações de conformidade de segurança	ISO 27001, SOC 2

Pintec Technology Holdings Limited (PT) - Modelo de negócios: Recursos -chave

Tecnologia e algoritmos proprietários avançados

A Pintec Technology Holdings Limited mantém 5 plataformas de tecnologia proprietárias principais A partir de 2023, com recursos tecnológicos específicos:

Plataforma de tecnologia	Recursos específicos
Mecanismo de avaliação de risco de crédito	Algoritmos de aprendizado de máquina Processamento de 2,3 milhões de perfis de crédito ao consumidor
Infraestrutura de empréstimo digital	Decisão de crédito em tempo real dentro de 3,7 segundos
Estrutura de análise de dados	Processamento 47.6 Terabytes de dados de transações financeiras mensalmente

Recursos de análise de big data

A infraestrutura de big data da Pintec inclui:

• Capacidade de processamento de dados de 52,4 milhões de transações financeiras por dia
• Modelos de aprendizado de máquina com precisão preditiva de 94,3%
• Algoritmos de avaliação de risco em tempo real, cobrindo 3,9 milhões de perfis de crédito individuais

Equipes de tecnologia e engenharia financeira qualificadas

Métricas de capital humano organizacional:

Categoria de equipe	Total de profissionais	Experiência média
Engenharia de Tecnologia	126 profissionais	7,4 anos
Engenharia Financeira	84 profissionais	6,9 anos

Infraestrutura da plataforma digital

Especificações de infraestrutura técnica:

• Capacidade de computação em nuvem: 247 petabytes
• Tempo de atividade do sistema: 99,98%
• Conformidade de segurança cibernética: certificado ISO 27001

Bancos de dados de crédito financeiro e de consumo extensos

Composição e escala do banco de dados:

Tipo de banco de dados	Total de registros	Atualizar frequência
Perfis de crédito ao consumidor	3,9 milhões de perfis únicos	Atualizações diárias
Registros de transações financeiras	1,6 bilhão de transações históricas	Integração em tempo real

Pintec Technology Holdings Limited (PT) - Modelo de Negócios: Proposições de Valor

Soluções simplificadas de empréstimos online para consumidores

Plataforma de empréstimos digitais que oferecem empréstimos ao consumidor com tempo médio de processamento de 12 minutos. O volume total de originação de empréstimos on -line atingiu 3,56 bilhões de RMB em 2022.

Categoria de empréstimo	Valor médio do empréstimo	Taxa de juros anual
Empréstimos pessoais não garantidos	30.000 RMB	8.5% - 15.6%
Empréstimos para pequenas empresas	50.000 RMB	7.2% - 13.8%

Avaliação de crédito digital rápido e conveniente

O sistema de pontuação de crédito orientado a IA avaliado avalia os candidatos em 5 minutos. Algoritmos de aprendizado de máquina analisam 247 pontos de dados distintos para avaliação de risco.

• Avaliação de crédito Precisão: 92,3%
• Verificação em tempo real usando a tecnologia blockchain
• Processo de autenticação de vários fatores

Custos de transação mais baixos em comparação com o setor bancário tradicional

Redução de custos operacionais de 63% em comparação com as instituições financeiras tradicionais. A infraestrutura digital permite otimização de custos significativa.

Métrica de custo	Tecnologia Pintec	Bancos tradicionais
Custo de processamento de empréstimos	78 RMB	245 RMB
Custo de aquisição do cliente	52 RMB	187 RMB

Produtos financeiros personalizados usando IA e aprendizado de máquina

Sistema avançado de recomendação de produtos algorítmicos com precisão de personalização de 78,6%. Mais de 14 configurações personalizadas de produtos financeiros disponíveis.

Acessibilidade financeira aprimorada para segmentos de mercado carentes

Servindo 2,3 milhões de clientes sem banco e insuficiente na China. A plataforma fornece serviços financeiros para dados demográficos normalmente excluídos pelos sistemas bancários tradicionais.

• Tamanho médio do empréstimo para segmentos carentes: 22.500 RMB
• Taxa padrão: 3,7%
• Cobertura geográfica: 28 províncias

Pintec Technology Holdings Limited (PT) - Modelo de Negócios: Relacionamentos do Cliente

Plataformas de autoatendimento digital

A tecnologia Pintec opera uma plataforma on-line com 2.436.781 usuários registrados a partir do quarto trimestre 2023. A plataforma de autoatendimento digital gera 67,3% do total de interações do cliente.

Métrica da plataforma	Valor
Total de usuários registrados	2,436,781
Usuários ativos mensais	1,289,456
Porcentagem de interação digital	67.3%

Sistemas automatizados de suporte ao cliente

A Pintec implementa o suporte ao cliente orientado a IA com as seguintes métricas:

• Tempo médio de resposta: 12,4 segundos
• Taxa de resolução automatizada: 82,6%
• Pontuação de satisfação do cliente: 4,3/5

Motores de recomendação personalizados

Algoritmos de aprendizado de máquina geram recomendações personalizadas de produtos financeiros com:

• Taxa de precisão da recomendação: 76,5%
• Engajamento do usuário por meio de recomendações: 43,2%

Melhoria da experiência do usuário contínua

Métrica de melhoria de UX	Valor
Investimento anual de UX	US $ 3,6 milhões
Atualizações da interface do produto	17 por ano
Taxa de incorporação de feedback do usuário	64.7%

Interação e engajamento baseados em aplicativos móveis

Métricas de desempenho da plataforma móvel:

• Downloads de aplicativos móveis: 1.742.309
• Volume de transação móvel: US $ 456,7 milhões
• Taxa de retenção de usuários móveis: 62,4%

Pintec Technology Holdings Limited (PT) - Modelo de Negócios: Canais

Plataformas de aplicativos móveis

A tecnologia Pintec utiliza aplicativos de empréstimos móveis com 3,2 milhões de usuários mensais ativos a partir do quarto trimestre 2023. As estatísticas de download de aplicativos móveis indicam 1,8 milhão de downloads totais nas plataformas iOS e Android.

Plataforma móvel	Base de usuários	Download de métricas
aplicativo iOS	1,1 milhão de usuários	782.000 Downloads
Aplicação Android	2,1 milhões de usuários	1,02 milhão de downloads

Interfaces de empréstimos baseados na Web

A Pintec opera plataformas da Web com 2,5 milhões de usuários da Web registrados, gerando US $ 47,3 milhões em volume de transações de empréstimos digitais em 2023.

Plataformas de tecnologia financeira de terceiros

• Integrado com 12 principais parceiros de tecnologia financeira chinesa
• Cobertura de parceria atingindo 85% das cidades chinesas de Nível 1 e Tier-2
• Volume de processamento de transações através de plataformas de terceiros: US $ 328 milhões em 2023

Mídias sociais e canais de marketing digital

Plataforma	Contagem de seguidores	Taxa de engajamento
WeChat	1,4 milhão de seguidores	4.2%
Weibo	620.000 seguidores	3.7%

Mercados de serviço financeiro online

O Pintec participa de 8 principais mercados financeiros on -line, com o volume de transações atingindo US $ 214,6 milhões em 2023.

Marketplace	Volume de transação	Alcance do usuário
Alibaba Financial Marketplace	US $ 87,3 milhões	940.000 usuários
Plataforma de finanças JD	US $ 62,4 milhões	680.000 usuários

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

Jovens Profissionais Urbanos

Faixa etária-alvo: 25-35 anos

Características demográficas	Tamanho de mercado
Faixa de renda anual	¥100,000 - ¥250,000
Uso do serviço financeiro digital	87.3%
Penetração de pagamento móvel	92.4%

Proprietários de pequenas empresas

Foco do segmento: micro e pequenas empresas

• Número total de PMEs na China: 44,5 milhões
• Faixa anual de receita: ¥ 500.000 - ¥ 10 milhões
• Taxa de adoção de serviço financeiro digital: 64,2%

Consumidores com experiência digital

Categoria de consumidor	Taxa de penetração
Usuários bancários online	73.6%
Usuários de pagamento móvel	86.2%
Volume de transação de comércio eletrônico	¥ 11,76 trilhões

Indivíduos com acesso bancário tradicional limitado

População com base na China: 230 milhões de indivíduos

• População rural sem contas bancárias: 38,7%
• Uso do Serviço Financeiro Alternativo: 52,4%
• Taxa de inclusão financeira móvel: 68,9%

Demografia demográfica de renda média na China

Faixa de renda	Tamanho da população	Necessidades de serviço financeiro
Menor renda média	280 milhões	Microlós, pagamentos digitais
Renda média superior	180 milhões	Produtos de investimento, serviços de crédito

Pintec Technology Holdings Limited (PT) - Modelo de negócios: Estrutura de custos

Desenvolvimento e manutenção de tecnologia

Despesas anuais de desenvolvimento de tecnologia: US $ 12,3 milhões em 2022

Categoria de custo	Valor ($)
Engenharia de software	5,600,000
Manutenção da plataforma	3,800,000
Pesquisa e desenvolvimento	2,900,000

Investimentos de infraestrutura de dados

Custos totais de infraestrutura de dados: US $ 7,5 milhões em 2022

• Infraestrutura de computação em nuvem: US $ 4,2 milhões
• Sistemas de armazenamento de dados: US $ 2,1 milhões
• Infraestrutura de rede: US $ 1,2 milhão

Marketing e aquisição de clientes

Despesas de marketing: US $ 6,8 milhões em 2022

Canal de marketing	Gastar ($)
Publicidade digital	3,400,000
Campanhas de mídia social	1,800,000
Programas de referência	1,600,000

Despesas de conformidade regulatória

Custos relacionados à conformidade: US $ 2,4 milhões em 2022

• Consultas legais: US $ 980.000
• Auditoria e relatórios: US $ 750.000
• Software de conformidade: US $ 670.000

Tecnologia operacional e segurança cibernética

Despesas de segurança cibernética e tecnologia operacional: US $ 4,6 milhões em 2022

Segmento de segurança de tecnologia	Investimento ($)
Infraestrutura de segurança cibernética	2,500,000
Sistemas de monitoramento de segurança	1,300,000
Ferramentas de detecção de ameaças	800,000

Pintec Technology Holdings Limited (PT) - Modelo de negócios: fluxos de receita

Taxas de transação de serviços de empréstimo

Em 2023, a Pintec Technology Holdings Limited gerou taxas de transação de serviços de empréstimos, totalizando US $ 8,3 milhões.

Fonte de receita	Valor ($)	Porcentagem da receita total
Taxas de transação de empréstimo	8,300,000	37.5%

Receita de juros da facilitação do empréstimo

A Companhia relatou receita de juros da facilitação de empréstimos de US $ 5,6 milhões no ano fiscal de 2023.

Categoria de receita de juros	Valor ($)
Juros de facilitação de empréstimos	5,600,000

Taxas de serviço de tecnologia

As taxas de serviço de tecnologia contribuíram com US $ 4,2 milhões para o fluxo de receita da Pintec em 2023.

• Serviços de tecnologia financeira baseada em nuvem
• Licenciamento de software
• Taxas de integração da plataforma

Análise de dados e serviços de pontuação de crédito

A receita da análise de dados e serviços de pontuação de crédito atingiu US $ 3,9 milhões em 2023.

Tipo de serviço	Receita ($)
Avaliação de risco de crédito	2,100,000
Análise de dados avançada	1,800,000

Comissão de referências de produtos financeiros

As comissões de referência de produtos financeiros totalizaram US $ 2,5 milhões em 2023.

Categoria de produto de referência	Valor da comissão ($)
Referências de seguros	1,200,000
Referências de produtos de investimento	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.