LexinFintech Holdings Ltd., operating primarily in the People's Republic of China through its subsidiaries, specializes in providing online consumer finance solutions. At the core of its operations is Fenqile.com, an extensive online platform facilitating both consumption and consumer lending. This platform enables users to make purchases on installment plans, secure personal installment loans, and engage in direct online sales with deferred payment options. The company also manages Le Hua Card, which offers scenario-specific lending services, and the Maiya application, providing a location-based shopping experience complete with buy-now-pay-later features. Further diversifying its portfolio, LexinFintech runs Juzi Licai, an online investment platform. Underpinning these offerings are its advanced technology-driven platform services. These services are designed to optimize revenue generation, mitigate financial risks, boost operational efficiency and service quality, improve collections, and reduce overall expenditures. Beyond its core platforms, the company extends its expertise through additional services such as technical support and consulting, software development, financing guarantee provisions, and other financial technology services. Established in 2013 and headquartered in Shenzhen, China, LexinFintech Holdings Ltd. was formerly known as Staging Finance Holding Ltd. until its name change in March 2017.