Fintech changed how the Chinese make payments, transact business, buy insurance, lend money, and invest capital. It also spawned a cohort of start-ups that have listed on international stock exchanges, providing high-growth investment opportunities. But there are also risks.
Last year, China Rapid Finance Ltd, Qudian Inc, Hexindai Inc, Jianpu Technology and PPDAI Group Inc went public in the US.
“The fintech market in China is at least one generation ahead of the US, if not two,” said Schulte Research founder Paul Schulte.
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