As we all know, ant financial is the undisputed king of fintech.It is difficult for jd.com to "overtake" a car just by working with a bank and relying on the scene and the user.Public data show that by the beginning of 2017, jd finance had provided services to more than 100 million users.At that time, the total number of individual customers of ant financial exceeded 500 million. In 2016 alone, 100 million new customers were added.This means that ant financial has an absolute advantage in user data.