Recently, Kunpay and the Beijing Internet Finance Industry Association announced a strategic partnership to jointly launch the Industrial Digital Finance Service Platform (hereinafter referred to as the “IDF Platform”). Centered on fintech and regulatory compliance, the IDF Platform aims to establish a digital bridge connecting financial institutions, SMEs, and partner organizations. By directly addressing efficiency and compliance challenges in inclusive finance, the platform promotes standardization and healthy development across the industry. Since its launch, the IDF Platform has attracted over 80,000 enterprises, demonstrating robust service capabilities and strong market recognition. Moving forward, it will continue to empower the industrial ecosystem and support high-quality development of the real economy.

Following the Central Financial Work Conference, government agencies have accelerated the implementation of supportive policies, creating a favorable environment for fintech development and SME financing. In 2025, the National Financial Regulatory Administration, Ministry of Science and Technology, and National Development and Reform Commission jointly issued the Implementation Plan for High-Quality Development of Fintech in the Banking and Insurance Sectors, further strengthening policy support.

Despite this, the traditional financial system still faces barriers such as strict risk controls, high collateral requirements, and lengthy approval processes.

Technology-driven enterprises, in particular, struggle to access credit due to a lack of collateral. Meanwhile, financial institutions face high customer acquisition costs and limited technological capacity. These issues call for a digital and compliant solution. This partnership brings together complementary strengths to build an end-to-end ecosystem—covering customer acquisition, risk control, and operations—in line with policy direction and paving the way for a new model in fintech services.

Digital Operations

Smart customer acquisition + intelligent product matching + online pre-approval + offline verification, significantly shortening loan cycles with full-process visualized system management.

Compliance Management

Automated compliance checks powered by AI large models, partner institution access control, and bank-grade data security protection.

Financial Institutions: Significantly lower customer acquisition costs and improved approval efficiency.

SMEs: Loan disbursement timelines reduced by 50%.

Partner Institutions: Digital tools enhance operational efficiency and drive professional transformation.

The IDF Platform will expand to cover supply chain finance and other application scenarios. By integrating technology and compliance, it aims to foster the high-quality growth of inclusive finance and support the sustainable development of small and medium-sized enterprises.