Percent

# Percent: A Technology Company Overview

There are actually two distinct companies named Percent in the search results, operating in completely different sectors. This analysis addresses both to provide clarity.

High-Level Overview

Percent Technology (China) is a data intelligence and AI solutions provider founded in 2009 and headquartered in Beijing.[1] The company delivers end-to-end, scenario-based intelligent solutions to governments and enterprises, with a mission to "Enable a Smarter World with Data + AI."[1] It operates across digital city management, intelligent emergency response, public security, and enterprise digitalization, serving clients in over 20 countries and regions.[1] According to IDC, Percent Technology ranks second in both China's data governance solutions market and the intelligent emergency big data and AI solutions market.[1]

Percent (US) is a private credit marketplace platform founded in 2018 and based in New York.[3][4] Rather than a traditional technology company, Percent functions as a fintech platform that connects investors with corporate borrowers, democratizing access to private credit investments.[5] The platform has powered over $1 billion in transaction volume and achieved $215.5 million in assets under management (AUM) as of June 2024, representing 106.4% year-over-year growth.[4]

Core Differentiators

Percent Technology

• Full-stack intelligent engineering: Integrates foundation model technologies with data science generic platforms and data intelligence applications, creating a complete value chain from data to decision-making.[1]
• Global expansion focus: Has built national-level big data and AI platforms for over 10 countries across Asia, the Middle East, Africa, and Latin America, supporting public security, taxation, digital ID, and emergency management.[1]
• Market leadership: Ranks second in critical Chinese markets for data governance and intelligent emergency solutions.[1]

Percent (US)

• Proprietary marketplace technology: Provides transparent deal sourcing, structuring, syndication, and surveillance infrastructure that brings "public market efficiencies to the analog private credit market."[3]
• Investor accessibility: Enables both accredited and institutional investors to access private credit deals with potential returns of 12-20% annualized, with flexible investment timelines (3-36 months).[5]
• White-glove service model: Differentiates through dedicated investor relations support and comprehensive deal data transparency.[5]

Role in the Broader Tech Landscape

Percent Technology represents China's advancement in AI and data governance infrastructure, riding the wave of digital transformation across government and enterprise sectors. Its international expansion reflects China's strategic push to export next-generation information technology solutions globally, particularly in emerging markets seeking to modernize public administration and security systems.[1]

Percent (US) addresses a structural inefficiency in private credit markets—a $7 trillion asset class that historically operated through analog, relationship-driven channels.[3] The company capitalizes on the broader fintech trend of democratizing alternative investments and the growing institutional appetite for private credit as interest rates remain elevated and public markets face volatility.

Quick Take & Future Outlook

Percent Technology is positioned to deepen its footprint in AI-driven governance solutions as governments worldwide prioritize digital transformation and data-driven decision-making. Its dual-engine strategy targeting both Chinese and international markets positions it to benefit from increasing cross-border demand for sophisticated data intelligence platforms.

Percent (US) operates in a favorable environment where institutional and high-net-worth investors increasingly seek alternatives to traditional fixed income. The platform's rapid AUM growth and strategic partnerships with underwriters suggest it is becoming the infrastructure layer for private credit distribution—a role that could yield significant scale as the private credit market continues to expand.

Both companies demonstrate how "Percent" has become associated with technology-driven solutions in their respective domains: one solving data intelligence challenges, the other solving market access challenges in finance.