With the rapid development of China’s digital economy, especially that of digital technologies such as Big Data, cloud computing, artificial intelligence, and blockchain, the digital model has become an important impetus for the development of financial inclusion. It eliminates the time and geographical restrictions, lowers the transaction costs and financial services threshold, and effectively expands the coverage of financial services. The accessibility of financial inclusion has been further promoted. In particular, it has shown unique advantages in improvement to the credit approval efficiency and risk control ability, precision marketing of customers, and development of new financial products. It has injected new blood into the development of financial inclusion.

Based on a summary of the main dilemmas facing the development of financial inclusion, this JD Finance report offers a careful analysis of the important role and practical value of digital technologies. More importantly, this report provides real samples for optimizing the development path of digital financial inclusion by showing the latest frontier practices of the industry. Hopefully, this report could offer product solutions that can be replicated and promoted inside and outside the industry.