Sesame Enterprise Credit Business Profil Diagram

Strengths

• Deep data barriers within the Ant ecosystem
• Leading scale with business profiles covering 50 million SMEs
• Proven doubling of conversion rates

Weaknesses

• Increasing regulatory pressure on data compliance and personal information protection
• Over-reliance on data sources within the Alipay ecosystem

Opportunities

• Continued release of policy dividends for the 'last mile' of micro-finance
• New entrants like ByteDance's Zixin validating market value and expanding the market

Threats

• Entry of competitors such as ByteDance's Zixin dividing the market
• Traditional banks enhancing their self-built risk control capabilities, reducing outsourcing demand