Senmiao Technology (NASDAQ:AIHS) (NASDAQ: AIHS) is a China-based financial technology company that offers short-term retail lending services through an online platform. By leveraging proprietary big data analytics and digital credit evaluation tools, the company facilitates quick and convenient access to cash advances and consumer loans. Its core operations include loan origination, approval, servicing, and collections, all underpinned by an automated risk management framework.
The company’s product suite caters to individual borrowers and small-to-medium enterprises, providing short-term working capital solutions and consumer financing products. Senmiao Technology has established strategic partnerships with e-commerce platforms, point-of-sale operators, and third-party distributors to extend its market reach. Through these channels, it delivers streamlined loan application processes and rapid fund disbursement, supported by machine learning models that continuously refine credit scoring and fraud detection.
Founded in 2012 and headquartered in Yantai, People’s Republic of China, Senmiao Technology has expanded its footprint to major cities such as Beijing, Shanghai, Chengdu, and Hangzhou. The company’s multi-channel distribution strategy combines a robust online presence with localized branch networks, allowing it to serve a diverse customer base across both urban and regional markets. This geographic expansion aligns with its goal of capturing growth opportunities in China’s evolving consumer finance segment.
Led by Chairman and Chief Executive Officer Shenghai Wu, Senmiao Technology emphasizes innovation, regulatory compliance, and operational efficiency. The executive team brings extensive experience in financial services and technology, driving ongoing enhancements to the company’s digital infrastructure. With a disciplined approach to risk management and a commitment to technological advancement, Senmiao Technology aims to strengthen its position in the competitive fintech landscape.
