Data Strategy for Credex (Feidai) - Business Innovation and Transformation under Digital Era

In this report, I would demonstrate one of the most data-driven fintech companies in China throughout last decade --- CredEx (Feidai) . I shall briefly illustrate its key business drivers, organizational chart, the evolution of the data protection policies, the capability of the current value stream, and at the end, the takeaways from my observation, including its "Credit Factory" model and transition to an offline-to-online (O2O) model. It also discusses the importance of data governance, particularly in the context of China's data protection laws. The suggested data governance framework and organizational chart outline the necessary structures and processes for effective data management. The report concludes with insights on the significance of data management, the competitive advantage of leveraging data, the need for harmonized data governance, compliance with data protection laws, and the importance of flexibility and adaptability in a data-centric company.