MASHINIi

Pintec Technology Holdings Limited.

PT.US | Other credit granting

Pintec Technology Holdings Limited is a fintech company that provides online lending solutions and services in China. It connects financial institutions with business and consumer borrowers. The company offers a range of services including point-of-sale financing, personal installment loans, and bus...Show More

Ethical Profile

Mixed.

Pintec Technology Holdings Limited holds a mixed ethical rating. Its fintech platform aims to foster economic opportunity for MSMEs, but critics point to inherent risks of exploitative lending if terms are opaque; specific fair lending data is unavailable. Environmentally, Pintec reported reducing paper use by 37,500 documents, diverting 22.4 tons of waste, and cutting 42 metric tons of carbon in 2023. However, with only 0.8% of its operational budget for green tech, reports suggest these initiatives are limited, contributing to a slightly negative environmental assessment. Robust data security and ethical AI governance are also crucial for this financial tech provider.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect0
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business-20
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech0
-100100
Zero Waste & Sustainable Products0
-100100

Better Health for All

0

Pintec Technology Holdings Limited is a fintech company that provides online lending solutions and services, including point-of-sale financing, personal installment loans, and business installment loans.

1
Its core business activities and revenue streams are entirely focused on financial technology and digital services for enterprises and consumers.
2
The provided articles contain no evidence that the company's products, services, or operations have any direct or indirect positive or negative impact on health outcomes, nor do they involve any health-related initiatives, investments, or data. Therefore, all KPIs related to 'Better Health for All' are deemed not applicable to Pintec's business model.

Fair Money & Economic Opportunity

0

No specific, concrete data points were found in the provided articles to score any of the KPIs for Fair Money & Economic Opportunity. The articles mention PT.US's business focus on connecting MSMEs/SMEs with financial institutions, its aim to drive financial inclusion, and its use of technology for credit assessment. However, there is no quantitative evidence regarding the percentage of underserved clients served, pricing fairness, revenue from high-cost products, share of loan book for inclusion initiatives, customer data accessibility, fair lending compliance, wealth-building outcomes for customers, profit reinvestment in community finance, financial literacy initiatives, customer debt burden ratios, geographic inclusion coverage, or product simplicity levels.

Fair Pay & Worker Respect

0

No evidence available to assess Pintec Technology Holdings Limited on Fair Pay & Worker Respect.

Fair Trade & Ethical Sourcing

0

Pintec Technology Holdings Limited is a fintech company. For all relevant KPIs under Fair Trade & Ethical Sourcing, the provided evidence explicitly states 'Not applicable' or 'N/A'.

1
This indicates that the company does not procure or trade physical commodities, does not have a supplier base requiring welfare or sourcing audits, has no exposure to upstream labor practices, and no supply chain tiers to map. Consequently, there are no associated remediation processes, ethical sourcing clauses in the context of physical goods, material sourcing of at-risk inputs, or procurement activities relevant to supplier diversity spend.
2

Honest & Fair Business

0

No evidence available to assess Pintec Technology Holdings Limited on Honest & Fair Business.

Kind to Animals

0

No evidence available to assess Pintec Technology Holdings Limited on Kind to Animals.

No War, No Weapons

0

No specific, concrete data points related to arms manufacturing, military contracts, dual-use technology, sales to embargoed regimes, peacebuilding investments, divestment policies, board oversight of defense, export controls, lobbying, humanitarian procurement, human rights due diligence in conflict areas, Arms Trade Treaty compliance, AI military safeguards, UN Guiding Principles alignment, dual-use screening, surveillance transparency, ethical red lines, exposure to controversial weapons, war risk audits, annual conflict partner reviews, defense divestment, conflict minerals, peace tech investment, or conflict zone procurement were found in the provided articles.

1

Planet-Friendly Business

-20

The company reported no regulatory actions, violations, fines, or compliance issues for the first half of 2023.

1
While Pintec Technology Holdings Limited reduced its carbon emissions by 42 metric tons in 2023, and cloud computing server-related carbon emissions by 31.5 metric tons, the total Scope 1, 2, and 3 emissions are not disclosed.
2
The company also diverted 22.4 tons of waste from landfill and reduced paper consumption by 37,500 documents annually, but the total waste generated is not provided.
3
Additionally, 0.8% of its operational budget was allocated to green technology initiatives in 2023.
4
No specific data is available for other environmental KPIs such as renewable energy use, water consumption, green building certifications, or supply chain climate transparency.
5

Respect for Cultures & Communities

0

No evidence available to assess Pintec Technology Holdings Limited on Respect for Cultures & Communities.

Safe & Smart Tech

0

No evidence available to assess Pintec Technology Holdings Limited on Safe & Smart Tech.

Zero Waste & Sustainable Products

0

No specific, concrete data points were found in the provided articles for any of the 'Zero Waste & Sustainable Products' KPIs. The company is a fintech firm providing online lending solutions.

1
and its 'products' are primarily services, which inherently limits the applicability of some waste-related KPIs like product recyclability or packaging sustainability. While '2023 Digital Transaction Efficiency (paperless)' was mentioned as 68%,
2
this metric does not directly map to the quantitative thresholds for any of the defined KPIs, which require specific data points such as waste diversion rates, percentages of recyclable components, number of initiatives, or reduction from a baseline year for specific materials like plastic.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.