Weekend winners


– Winners for Retail Banking challenge –

A “Smart Core System for Consumer Financing”, offering enterprise-wide AI capabilities in consumer full life-cycle, including precision marketing, anti-fraud, smart collection, smart pricing,

Zhuge IO

– Winners for Retail Banking challenge –

A solution that helps the  bank to deeply collaborate with offline stores to precisely identify, acquire and provide loan services to potential customers by leveraging intelligent platform to collect, analyze and ultilize online customer behaviour data that will improve customer experience and engagement.



In the era of mobile internet, how can traditional commercial banks effectively leverage big data, new technologies & devices on loan services through mobile platforms, in order to improve the customer experience, increase efficiency while reasonably controlling risks?

Customer experience improvement, big data application, internet loan management, risk modeling, scorecard, online loan approval, post loan monitoring, collection, AI, biometrics, customer profiling & DSP, contract management, anti-fraud, information security

Problem statement

Put ourselves into our customers’ shoes to think about the headaches that they have to go through when getting a credit loan through mobile platforms, e.g. filling information for credit application, inputting identity information, providing complex documents, signing contracts, waiting for credit approval, repayment and account checking, etc. With the development of big data and other new technologies, we aims to improve the customer experience for internet consumer loans and meet the customer expectations during the whole customer journey.

In the meanwhile, as a bank, we can also benefit from the process optimization and digitalization so as to further improve our productivity efficiency as well as strengthen the risk management and anti-fraud capacity.



  1. Place and Topic: choose one of the host countries and one proposed challenge.
  2. Team size: A maximum of 7 members are allowed per team.
  3. Simple and Valuable: Think a minimum viable product (MVP) which answers one of the challenges (or several as applicable). Don’t forget Sunday afternoon will be dedicated to pitch coaching session so make sure your solution is ready in 36 hours.
  4. Deliverable: Demo the app or the digital solution you hacked during the International Hackathon weekend.
  5. Intellectual Property Rights: All elements related to the International Hackathon remain the property of their respective authors… the startups!
  6. Participation Agreement: Each legal representative of each team must sign up and upload the Terms & Conditions prior to the International Hackathon Weekend.



Weekend winners will be selected by a panel of Bank of Nanjing top managers and external Fintech experts in each city.

Selection criteria: value created, relevance to the challenges, operational feasibility, technical execution, inventiveness and originality, team effort and spirit, financial viability…

Weekend winners will receive a cash stipend per team at end of the weekend as well as access to a 10-week co-working phase for project maturation.

During the co-working phase Bank of Nanjing teams will select the best solutions that will be pitched at the Demo Day in Paris, in front of BNP Paribas Executive Committee.

Selected teams will have the opportunity to continue the implementation of their solutions and to start a new partnership with Bank of Nanjing.

Finalist from the Demo day will receive a cash stipend and will have the opportunity to meet top executives from BNP Paribas and Bank of Nanjing.


BNP Paribas and Bank of Nanjing offer a large amount of anonymized data for the startups to shape a real-life solution!!!

Through our API Sandbox, we allow startups to easily create financial applications that access bank, customer, account and transaction resources.