Smart Finance Group was founded in 2013. Its mission is to leverage technology to enable China’s underbanked population to access credit online quickly and conveniently. The company was the first large scale player in China to integrate AI into the entire credit lending process. I.C.E. is the core technology of the company, which provides accurate and fast credit decision. It is comprised of three key modules: Conan (feature engineering), D-AI (machine learning) and Anubis (high-performance computing framework). Because of its smart business model, professional technical team and well-organized operation, Smart Finance Group has raised more than RMB 670 million financing.