Secondly, we have also broadened our traffic channel mix by adding three new partnerships this quarter, including collaborations with travel and lifestyle platforms. These partnerships are already contributing to our borrower acquisition and engagement.

Jun 12, 2025 / receipt, needs a key / Ning Chang, CEO | earnings call 2025-06-12 | transcript ce18a52b-5cf3-40b1-8c79-4f0b82721a9c | chars 4790-5043 | segment 4

Originally, our CFO was scheduled to participate in this meeting. Due to unexpected travel commitment, she is currently on the road and unable to join us online.

Mar 21, 2024 / receipt, needs a key / Ming Tang, CEO | earnings call 2024-03-21 | transcript fb61b97a-85e5-41bc-aac8-343e437f1757 | chars 8881-9042 | segment 9

Originally, our CFO was scheduled to participate in this meeting. Due to unexpected travel commitments, she is currently on the road and unable to join us online.

Mar 21, 2024 / receipt, needs a key / Ming Tang, CEO | earnings call 2024-03-21 | transcript fb61b97a-85e5-41bc-aac8-343e437f1757 | chars 56091-56253 | segment 58

And with COVID over us, we'll do more travel.

Mar 16, 2023 / receipt, needs a key / Matthew Larson, other | earnings call 2023-03-16 | transcript 8e24d612-2dab-4650-8c33-17ff91fd9201 | chars 19457-19502 | segment 19

Firstly, we have been diversifying and enriching our products by consistently broadening our channel partners, and now we are covering a growing number of consumption scenarios, including traveling, shopping, social networking, entertainment and education, which makes the products offering from the secure and unsecured loans with the various ticket sizes and tenors. offering through both online and offline channels, we have established a full credit process matrix to meet our customers' various credit needs. Also, apart from 2C channels, we have also established a partnership with 2B companies, such as third-party payment SaaS platforms and tax and financial management platforms, which help us further drive up our scale. So far, we are working with more than 30 China partners and we are continuing to expand more external cooperation.

Jun 9, 2021 / receipt, needs a key / Mei Zhao, SVP | earnings call 2021-06-09 | transcript b8e04723-689f-4ac6-8d2e-d645f303d206 | chars 7953-8798 | segment 7

Increased R&D costs

ir_statement / Sep 16, 2026 / receipt

revenue benefits expected to materialize in the coming quarters

ir_statement / Sep 16, 2026 / receipt

The financial services business in Southeast Asia is thriving and strategically expanding into global markets, capitalizing on insights and expertise acquired from its business activities in the Phili

ir_statement / Sep 16, 2026 / receipt

increased marketing expenses from ongoing investment in upgrading our customer mix

ir_statement / Sep 16, 2026 / receipt

The financial services business in Southeast Asia is thriving and strategically expanding into global markets, capitalizing on insights and expertise acquired from its business activities in the Phili

ir_statement / Sep 16, 2026 / receipt

The financial services business in Southeast Asia is thriving and strategically expanding into global markets, capitalizing on insights and expertise acquired from its business activities in the Phili

ir_statement / Sep 16, 2026 / receipt

The financial services business in Southeast Asia is thriving and strategically expanding into global markets, capitalizing on insights and expertise acquired from its business activities in the Phili

ir_statement / Sep 16, 2026 / receipt

Expand presence into emerging markets and promote financial inclusiveness

ir_statement / Sep 16, 2026 / receipt

the decline in loan volumes facilitated in 1H22 was partically due to the scale back of our offline business as part of our business optimization process

ir_statement / Sep 16, 2026 / receipt

due to the continued optimization of acquisition channels and cost efficiencies, net income saw quarterly growth in 2Q22.

ir_statement / Sep 16, 2026 / receipt

The company has been proactively optimizing its product structure and shifting towards a shorter-tenor loan portfolio with lower lending rate, resulting in a decline in net revenue in 1H22.

ir_statement / Sep 16, 2026 / receipt

the decline in loan volumes facilitated was due to the scale back of our offline business as part of our business optimization process

ir_statement / Sep 16, 2026 / receipt