Technology platform-based income

12 Months Ended

Dec. 31, 2025

Technology Platform Based Income [Abstract]

6.	Technology platform-based income


	For the year ended December 31,
	2023		2024		2025
	RMB’000		RMB’000		RMB’000
Technology platform-based income
Retail credit and enablement service fees		15,134,217		8,066,367		5,503,149
Other technology platform-based income		184,527		94,655		84,958

		15,318,744		8,161,022		5,588,107

For the years ended December 31, 2023, 2024 and 2025, 100% of the Group’s technology

platform-based income was derived from the Chinese Mainland.


		For the year ended December 31,
		2023		2024		2025
		RMB’000		RMB’000		RMB’000
Retail credit and enablement service fees
Loan enablement service fees	At a point in time		978,958		1,571,966		1,290,565
Post-origination service fees	Over time		13,729,327		6,480,642		4,212,459
Referral income from platform service	At a point in time		425,932		13,759		125

			15,134,217		8,066,367		5,503,149

As of December 31, 2024 and 2025, the aggregate amount of the transaction price allocated to remaining performance obligations related to customer contracts that are unsatisfied or partially unsatisfied were RMB5,058 million and RMB4,878 million, respectively. Given the profile of contract terms, substantially all of the remaining performance obligations are expected to be recognized as revenue over the next three years.