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Recently, JD Finance issued a notice that the transfer function of JD Finance APP will be gradually discontinued from October 29th, and the normal use of related functions will not be affected until the service is stopped.
It is understood that the transfer function is a collection and payment business launched by the Jingdong Financial APP. It has two transfer methods: transfer to bank card (transfer from personal debit card to personal debit card) and transfer to friends.
The transfer service is divided into two-hour credit (at some banks at night within four hours at the latest) and the next day. This business relies on JD.com’s non-bank payment institution, Internet Banking Online (Beijing) Technology Co., Ltd., to provide services.
According to QuestMobile data, as of the end of December 2021, the number of active users of JD Finance was 38.3491 million, with an active penetration rate of 3.27%.
In the field of comprehensive wealth management, the user activity of JD Finance APP ranks at the forefront of the industry, but in the field of non-bank payment, the number of active users is still far behind that of leading institutions such as WeChat Pay.
At present, bank APP personal transfers are generally exempt from service fees, while non-bank payment platforms often need to charge a certain percentage of service fees when the transfer amount exceeds a certain amount.
According to the business description of JD.com’s financial platform, starting from November 15, 2019, the same user can enjoy a free transfer quota of up to 10,000 yuan per month, and a service fee of 0.15% will be charged for the excess.
According to the data, JD Finance is a personal financial business platform under JD Digital Technology Group. It has launched financial products such as white bars, funds, bank wealth management, small treasuries, gold bars, co-branded white cards, and small gold cards, covering wealth management, lending, insurance, and installments. Four business segments.
Recently, JD Crowdfunding, another business of JD Finance, also announced the closure.
On October 8, JD Crowdfunding announced that it will suspend operations from October 10. It is understood that the Jingdong crowdfunding portal has been offline at 10:00 on September 30, and projects that have already been launched will not be affected. JD Crowdfunding, one of the business segments of JD Finance, was launched on July 1, 2014.
Source: China Banking and Insurance News
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