Aiyoumi

About Aiyoumi

Aiyoumi is a mobile financial service platform operated by the parent company Aicai Technology Group Co., Ltd. . Launched in September 2014, the company provides installment credit services to its users primarily through a mobile application available on Android and iOS.

The core business revolves around offering credit lines to users for consumer spending. To access the service, individuals must download the Aiyoumi app, register, and submit personal information for a credit assessment. This process includes identity verification, facial recognition, and carrier verification to determine a credit limit through a big data risk control system. The platform's revenue is generated from its installment payment services.

Aiyoumi's target market consists of consumers in need of financing for their purchases. The app facilitates a fully online process, from application and approval to repayment, eliminating the need for in-person verification. Bills for purchases and cash advances are generated on a monthly billing date, with repayments due between the billing and due dates.