pintec, “品钛”, is an intelligent financial services technology platform. we use big data and digital technologies to provide effective financial solutions for businesses and financial institutions. pintec drives new financial product opportunities by expanding access to financial services for consumers, mitigating risk by decreasing human interference, and breaking down historical financial market barriers. pintec's wholly owned brands: dumiao (读秒), polaris (璇玑), hongdian fund (虹点基金), and myfin insurance (麦芬保险). dumiao is a digital consumer lending business that leverages technology and big data to make automated credit decisions. dumiao’s core product is a credit decisioning engine that enables high-speed lending decisions without the need for traditional offline human underwriting examination. by leveraging big data to increase the speed and accuracy of credit decisions, dumiao enables the consumer loan decision to be made in real-time at the point-of-sale, opening up a multitude of n