The company's CEO is Jin “Jeffrey” Chen but was initially co-founded by China's most notable business magnates- the chairmen of Chinese multinational conglomerates.

There are five important areas of service that the company offers and sells; lifestyle consumption, consumer finance, health, auto and travel.

Alvin Cheung Chi-Wai, an associate director at Prudential Brokerage in Hong Kong, said, “The main reason is not ZhongAn displaying attractive quality but the three 'horses' backing it” – in reference to the company's three original founders, as ‘Ma’ in Chinese translates to meaning ‘horse’.

[4] By the end of 2016, ZhongAn made up 0.9% of China's insurtech market and gained a competitive advantage by having a special digital insurance license before its competitors.

The new subsidiary has four key areas of focus: artificial intelligence, blockchain technology, cloud computing and data driven analytics.

This partnership marked the launch of ZhongAn's SaaS platform (software-as-a-service) which aims to offer insurance companies with three key products; accessibility to medical records that come from medical institutions, online services that assist in providing compensation for insurance companies and risk management services.

As such, Sompo Japan Nipponka will directly provide ZhongAn with an opportunity to enter the international market, specifically focusing on the Asian region.

ZhongAn's chairman appointed his son, Jinyu Ou, as a non-executive director to provide professional assistance to the Board.

[10] It is a common belief that Hong Kong's retail investors don't have much knowledge in ZhongAn's company or its business and have only invested due to the three Ma's.