MIB (Mibutech) was established in 2019 and is a licensed digital financial services institution focused on the overseas market. MIB, technology-driven, is committed to inclusive finance centered around data, AI, and cloud computing. With innovative models and ideas, MIB combines technology and finance to provide safe, convenient, and efficient inclusive financial services to smartphone users and small businesses in developing regions. Through significant investment in data analysis and machine learning, MIB has achieved key technological innovations such as risk control AI, collections AI, and customer acquisition AI, reducing bad debt by an average of 6.7%, with 60% of collection contacts handled by AI robots. Currently, we have teams established in over 10 countries globally, with more than 1,000 employees, to provide more efficient support and services.