FENC continues to implement the digitization of account management through the integration of big data and AI. In 2024, the Company established the  National Intelligence Sharing Platform and optimized the Global Customer Credit Management Platform and Credit Customer Information Management Platform. The three major digital projects expanded the Company’s ability to determine risks, strengthen risk alert, predict and identify at-risk customer groups and implement effective overdue collection. These prudent efforts have kept account overdue under control. Specific measures are listed below:

⬥ National Intelligence Sharing Platform: The platform  integrates national risk dynamics, agency ratings and major news from 193 countries. It automatically aggregates multiple data sources and quickly identifies changes in the global conditions. 

⬥ Credit Customer Information Management Platform: The platform has been optimized to enhance comprehensive risk analysis regarding credit customers and  prepare daily compilations of worldwide overdue accounts.  Individual alerts are sent with collection status monitored to enhance the efficiency of account collection and refine risk exposure management.

⬥ List of Countries With Escalated Risks and List of Customers With Unusual Risk Patterns: The lists were compiled for control and regular review, which help FENC stay up-to-date on geopolitical and economic risks as well as changes in customer operations. The credit and transaction terms may be limited accordingly.

⬥ Real-time  monitoring of non-performing loans: The platforms enable prompt responses and enhance collection efforts, helping FENC maintain the ratio of accounts in arrears at below 2%.