Digitalflex pioneered "flexible down payment + flexible installment + flexible repayment". Users can choose down payment and repayment cycle based on income, with early settlement without penalty, significantly reducing financial pressure for overseas workers.

We partner with local mobile merchants, sourcing devices directly and serving customers through installment or rental, so they can get phones in advance and repay in installments.

We use user repayment data to build a credit scoring model for emerging markets, as the basis for credit assessment of value-added services.