WeBank:

Leading Digital Bank

 WeBank became China’s first digital bank in December 2014 upon receiving its banking license and
is now one of the largest digital banks in the world in terms of user base. Based in Shenzhen, China,
the Bank is backed by reputable companies such as Tencent, Baiyeyuan Investment Co., and Liye
Group among others. WeBank is devoted to offering underbanked individuals and SMEs with a variety
of convenient, and high-quality financial services.

China’s First Digital Bank

Tencent Owns IT Staff Operations

30% >50% 7/24

Digital bank Driven by technology Banking solutions

backed by Tencent and innovation Anytime, Anywhere

World’s Leading Digital Bank

60m users 30+ 7000+

products servers

10m users

1700+ 60+ million

2015 2016 2017 2018 staff users
 A Bank Built with the Most Advanced Technologies

Artificial Intelligence Blockchain

eKYC /
/ Syndicated Loan Reconciliation
Chatbot /
/ Supply Chain Finance
Smart Collection /
/ Arbitration Chain

Cloud Computing Big Data

Private Cloud Built on Distributed
/ Risk Management
Architecture /
/ Differentiated Services
Highly Scalable Financial Cloud /
/ Precision Marketing
API/SDK-enabled Services /
 Strategically Located in Shenzhen

3rd
2.2tn
biggest city

GDP
Shenzhen

23mn
population
10min
to
Hong Kong

WeBank combines technology

and intelligent product design to connect
traditional and high-tech businesses together.
The result are new business models and products that allow
people and small businesses to access critical financial services

Individuals SMEs

Industry / Scenarios Financial Institutions

Data Product Design Capital

User Risk Mgmt

+ Data Analysis
+
Penetration Technology Product

A Modern Bank for the of Future Financial Services

Agile Fintech Components Agility embedded Governance

Banking ＝ AI + Blockchain + Cloud + Data
+
Architecture + Operation + Organization
 Fully Online Financial Products and Services

Consumer Loan
B2B SME loan

B2C
WeBank APP
=

Auto Loan
B2B2C
Smart Retail

Welidai Consumer Loan

China’s 1st mobile-only, revolving unsecured microloan for the mass market

￥500 – <5 <1

￥300K Seconds Minute

Credit line offered Time to determine Time to receive

credit line funds in account

WeBank APP
WeBank’s 1st standalone app, offering both basic bank account features and wealth management tools

eKYC Anywhere, Unparalleled

Anytime convenience
Weiyedai SME Loan Weichedai Auto Loan
China’s 1st SME loan product delivered fully Innovative auto loan embedded directly into third
online and based solely on company credit party car dealership platforms

36
months

Max repayment Lower barriers

period

15
minutes

Time to receive Easy

funds application

0
collateral

Unsecured Flexible
Loans Repayment

Platforms Developed by WeBank to Improve Financial Services

BCOS CBOS

BlockChain Open Source Collaborative Business Operating System

https://github.com/bcosorg/
A stable and efficient business operating system
for agile innovation
An open source platform for secure and controllable
consortium chain blockchain development

Supports a full-spectrum of applications

Full Stack Cloud Computing Heterogeneous
Reconciliation / Tourism Finance / Mgmt Capability Resource Allocation
Resource Mgmt
Talent Acquisition / Supply Chain /
Arbitration
Copyrights / Gaming

Distributed Arch. Mgmt Master Mgmt of all

Operations
 Interested in joining WeBank?
Contact us at hr@webank.com for more information

JOIN US