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  <xsd:element name="JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" id="jf_JimuHoldingsLimitedFormerlyKnownAsPintecHoldingsLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="TermOfTheAgreements" id="jf_TermOfTheAgreements" type="xbrli:durationItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VariableInterestEntitiesByClassificationsOfEntityAxis" id="jf_VariableInterestEntitiesByClassificationsOfEntityAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="VariableInterestEntitiesByClassificationOfEntityDomain" id="jf_VariableInterestEntitiesByClassificationOfEntityDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExclusiveBusinessCooperationAgreementsMember" id="jf_ExclusiveBusinessCooperationAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ExclusiveOptionAgreementsMember" id="jf_ExclusiveOptionAgreementsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="CollateralizedAssetsOfViesAndViesSubsidiaries" id="jf_CollateralizedAssetsOfViesAndViesSubsidiaries" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfSignificantAccountingPoliciesTable" id="jf_DisclosureOfSignificantAccountingPoliciesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisclosureOfSignificantAccountingPoliciesLineItems" id="jf_DisclosureOfSignificantAccountingPoliciesLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablesPeriodAxis" id="jf_FinancingReceivablesPeriodAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="FinancingReceivablesPeriodDomain" id="jf_FinancingReceivablesPeriodDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProvisionForPrepaymentsAndOtherCurrentAssets" id="jf_ProvisionForPrepaymentsAndOtherCurrentAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AgreementAxis" id="jf_AgreementAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="AgreementDomain" id="jf_AgreementDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentAxis" id="jf_InvestmentAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="InvestmentDomain" id="jf_InvestmentDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SaleOfShareholdingInterestPercentage" id="jf_SaleOfShareholdingInterestPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisposalEntityNameAxis" id="jf_DisposalEntityNameAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DisposalEntityNameDomain" id="jf_DisposalEntityNameDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="EntityClassificationsSectorAndEntityAxis" id="jf_EntityClassificationsSectorAndEntityAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="SectorAndEntityDomain" id="jf_SectorAndEntityDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ForeignInvestmentEnterpriseMember" id="jf_ForeignInvestmentEnterpriseMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WithholdingTaxOnDividendsPayment" id="jf_WithholdingTaxOnDividendsPayment" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="WithholdingIncomeTaxRateOnDividendsDistributed" id="jf_WithholdingIncomeTaxRateOnDividendsDistributed" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitRangeAxis" id="jf_ProfitRangeAxis" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitRangeDomain" id="jf_ProfitRangeDomain" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitAboveTwoMillionHonkongDollarMember" id="jf_ProfitAboveTwoMillionHonkongDollarMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ProfitBelowTwoMillionHonkongDollarMember" id="jf_ProfitBelowTwoMillionHonkongDollarMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" id="jf_DeferredTaxAssetsAllowanceForDoubtfulAccountsCreditLossesAndImpairmentLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsWeightedAverageRemainingContractualTermAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsAggregateIntrinsicValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationExpensesAllocatedFromHoldingCompany" id="jf_ShareBasedCompensationExpensesAllocatedFromHoldingCompany" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" abstract="false" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="SecondShareIncentivePlanMember" id="jf_SecondShareIncentivePlanMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ZiitechPtyLtdMember" id="jf_ZiitechPtyLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsPercentageFirstAnniversary" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingRightsPercentageFirstAnniversary" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="JurisdictionsOtherThanAustraliaMember" id="jf_JurisdictionsOtherThanAustraliaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfMajorSubsidiariesAndViesTable" id="jf_ScheduleOfMajorSubsidiariesAndViesTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfMajorSubsidiariesAndViesLineItem" id="jf_ScheduleOfMajorSubsidiariesAndViesLineItem" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="AdjustmentsToAdditionalPaidInCapitalIncreaseFromDisposalOfSubsidiary" id="jf_AdjustmentsToAdditionalPaidInCapitalIncreaseFromDisposalOfSubsidiary" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdjustmentsToAdditionalPaidInCapitalPriorYearAdjustment" id="jf_AdjustmentsToAdditionalPaidInCapitalPriorYearAdjustment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalOfSkyCityHoldingLimitedGroupMember" id="jf_DisposalOfSkyCityHoldingLimitedGroupMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ForeignCurrencyTranslationLossReleasedLossOnDisposal" id="jf_ForeignCurrencyTranslationLossReleasedLossOnDisposal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DerecognitionOfAssetsOtherThanCashUponDisposal" id="jf_DerecognitionOfAssetsOtherThanCashUponDisposal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DerecognitionOfLiabilitiesUponDisposal" id="jf_DerecognitionOfLiabilitiesUponDisposal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="NonControllingInterestRecognizedAsOtherPayableUponDisposal" id="jf_NonControllingInterestRecognizedAsOtherPayableUponDisposal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LongTermLeaseCost" id="jf_LongTermLeaseCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SupplementalLeaseCashFlowDisclosureAbstract" id="jf_SupplementalLeaseCashFlowDisclosureAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SingleReportableSegmentMember" id="jf_SingleReportableSegmentMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SalesAndMarketingExpenseExcludingShareBasedCompensationExpense" id="jf_SalesAndMarketingExpenseExcludingShareBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="GeneralAndAdministrativeExpenseExcludingShareBasedCompensationExpense" id="jf_GeneralAndAdministrativeExpenseExcludingShareBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ResearchAndDevelopmentExpenseExcludingShareBasedCompensationExpense" id="jf_ResearchAndDevelopmentExpenseExcludingShareBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DeferredTaxAssetsLeasingArrangements" id="jf_DeferredTaxAssetsLeasingArrangements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ShortTermBorrowingsAnnualInterestRatePercentage" id="jf_ShortTermBorrowingsAnnualInterestRatePercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="NetOffAgainstDeferredTaxLiabilities" id="jf_NetOffAgainstDeferredTaxLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="NetOffAgainstDeferredTaxAssets" id="jf_NetOffAgainstDeferredTaxAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CostOfRevenueExcludingShareBasedCompensationExpense" id="jf_CostOfRevenueExcludingShareBasedCompensationExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ReclassificationBetweenClassesOfOrdinaryShares" id="jf_ReclassificationBetweenClassesOfOrdinaryShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ReclassificationBetweenClassesOfOrdinarySharesValue" id="jf_ReclassificationBetweenClassesOfOrdinarySharesValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalOfDiscontinuedOperationsIncreaseDecreaseInEquity" id="jf_DisposalOfDiscontinuedOperationsIncreaseDecreaseInEquity" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="RomanticParkHoldingsLimitedMember" id="jf_RomanticParkHoldingsLimitedMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PosSolutionMember" id="jf_PosSolutionMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PaymentPlatformPartnershipsMember" id="jf_PaymentPlatformPartnershipsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SaasSubscriptionServicesMember" id="jf_SaasSubscriptionServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="HardwareSalesAndInstallmentServicesMember" id="jf_HardwareSalesAndInstallmentServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SoftwareDevelopmentServicesMember" id="jf_SoftwareDevelopmentServicesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ZiiCloudSingaporePteLtdMember" id="jf_ZiiCloudSingaporePteLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerMember" id="jf_CustomerMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CustomerBMember" id="jf_CustomerBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SupplierMember" id="jf_SupplierMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SupplierBMember" id="jf_SupplierBMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="SupplierCMember" id="jf_SupplierCMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NoncontrollingInterestFairValue" id="jf_NoncontrollingInterestFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationConsiderationTransferredAndFairValueOfNoncontrollingInterests" id="jf_BusinessCombinationConsiderationTransferredAndFairValueOfNoncontrollingInterests" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedAssetAcquiredOperatingLeaseRightOfUseAsset" id="jf_BusinessCombinationRecognizedAssetAcquiredOperatingLeaseRightOfUseAsset" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="BusinessCombinationRecognizedLiabilityAssumedAccruedExpensesAndOtherLiabilitiesCurrent" id="jf_BusinessCombinationRecognizedLiabilityAssumedAccruedExpensesAndOtherLiabilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedLiabilityAssumedOperatingLeaseLiabilitiesCurrent" id="jf_BusinessCombinationRecognizedLiabilityAssumedOperatingLeaseLiabilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedLiabilityAssumedOperatingLeaseLiabilitiesNoncurrent" id="jf_BusinessCombinationRecognizedLiabilityAssumedOperatingLeaseLiabilitiesNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationBoardAppointmentRight" id="jf_BusinessCombinationBoardAppointmentRight" type="xbrli:decimalItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationAccountsReceivableNet" id="jf_DisposalGroupIncludingDiscontinuedOperationAccountsReceivableNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationFinancingReceivableNet" id="jf_DisposalGroupIncludingDiscontinuedOperationFinancingReceivableNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationRestrictedCashNoncurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationRestrictedCashNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationFinancingReceivableNoncurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationFinancingReceivableNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseRightOfUseAssetsNoncurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseRightOfUseAssetsNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationDueToRelatedPartiesCurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationDueToRelatedPartiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationAccruedExpensesAndOtherLiabilitiesCurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationAccruedExpensesAndOtherLiabilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesCurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesNoncurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationOperatingLeaseLiabilitiesNoncurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationRevenueFromTechnicalService" id="jf_DisposalGroupIncludingDiscontinuedOperationRevenueFromTechnicalService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationRevenueFromInstallmentService" id="jf_DisposalGroupIncludingDiscontinuedOperationRevenueFromInstallmentService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationRevenueFromWealthManagementService" id="jf_DisposalGroupIncludingDiscontinuedOperationRevenueFromWealthManagementService" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationFundingCost" id="jf_DisposalGroupIncludingDiscontinuedOperationFundingCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationProvisionReversalOfCreditLosses" id="jf_DisposalGroupIncludingDiscontinuedOperationProvisionReversalOfCreditLosses" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOriginationAndServicingCost" id="jf_DisposalGroupIncludingDiscontinuedOperationOriginationAndServicingCost" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationProvisionReversalOfGuarantee" id="jf_DisposalGroupIncludingDiscontinuedOperationProvisionReversalOfGuarantee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationSalesAndMarketingExpense" id="jf_DisposalGroupIncludingDiscontinuedOperationSalesAndMarketingExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationResearchAndDevelopmentExpense" id="jf_DisposalGroupIncludingDiscontinuedOperationResearchAndDevelopmentExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationImpairmentOnLongLivedAssets" id="jf_DisposalGroupIncludingDiscontinuedOperationImpairmentOnLongLivedAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" id="jf_DisposalGroupIncludingDiscontinuedOperationInterestIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOtherIncomeExpense" id="jf_DisposalGroupIncludingDiscontinuedOperationOtherIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoansFromNoncontrollingInterests" id="jf_LoansFromNoncontrollingInterests" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="TaxPayable" id="jf_TaxPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdvancesFromCustomers" id="jf_AdvancesFromCustomers" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AccruedExpensesCurrent" id="jf_AccruedExpensesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="CommissionPayable" id="jf_CommissionPayable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="OtherPayablesToThirdParties" id="jf_OtherPayablesToThirdParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoansFromNoncontrollingInterestsDailyInterestRate" id="jf_LoansFromNoncontrollingInterestsDailyInterestRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="IncomeTaxRateReconciliationPreferentialTaxRateAmount" id="jf_IncomeTaxRateReconciliationPreferentialTaxRateAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="EffectiveIncomeTaxRateReconciliationPreferentialTaxRatePercent" id="jf_EffectiveIncomeTaxRateReconciliationPreferentialTaxRatePercent" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="AccountsReceivableCreditLossExpenseReversalAcquiredFromBusinessCombination" id="jf_AccountsReceivableCreditLossExpenseReversalAcquiredFromBusinessCombination" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="AccountsReceivableAllowanceForCreditLossForeignCurrencyTranslationGainLoss" id="jf_AccountsReceivableAllowanceForCreditLossForeignCurrencyTranslationGainLoss" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="LoanToEmployeesCurrent" id="jf_LoanToEmployeesCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LesseeOperatingLeaseLiabilityToBePaidYearTwoAndThereafter" id="jf_LesseeOperatingLeaseLiabilityToBePaidYearTwoAndThereafter" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AggregateTurnoverThresholdAmount" id="jf_AggregateTurnoverThresholdAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AggregateTurnoverOfLessThanAud50MillionTaxedAt25Member" id="jf_AggregateTurnoverOfLessThanAud50MillionTaxedAt25Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FederalStatutoryIncomeTaxExemptionRate" id="jf_FederalStatutoryIncomeTaxExemptionRate" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ExemptionRateOf75OnFirstSgd10000OfTaxableIncomeMember" id="jf_ExemptionRateOf75OnFirstSgd10000OfTaxableIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ThresholdTaxableIncome" id="jf_ThresholdTaxableIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="AdditionalValuationAllowanceDeferredTaxAssetIncreaseDecreaseAmount" id="jf_AdditionalValuationAllowanceDeferredTaxAssetIncreaseDecreaseAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MainlandChinaMember" id="jf_MainlandChinaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedCompensationExpenseReversal" id="jf_ShareBasedCompensationExpenseReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="PrepaymentsAndOtherCurrentAssetsPolicyTextBlock" id="jf_PrepaymentsAndOtherCurrentAssetsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="SellingAndMarketingExpensesPolicyTextBlock" id="jf_SellingAndMarketingExpensesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="GeneralAndAdministrativeExpensesPolicyTextBlock" id="jf_GeneralAndAdministrativeExpensesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PatentAndTechnologyMember" id="jf_PatentAndTechnologyMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeStockOptionAwardsOfZiitechPtyLtdMember" id="jf_EmployeeStockOptionAwardsOfZiitechPtyLtdMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardNumberOfAnnualVestingInstallments" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardNumberOfAnnualVestingInstallments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodTotalGrantDateFairValue" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriodTotalGrantDateFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="WorkingCapitalDeficit" id="jf_WorkingCapitalDeficit" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="LoansFromRelatedParties" id="jf_LoansFromRelatedParties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInConnectionWithAcquisitionWeightedAverageGrantDateFairValue" id="jf_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantedInConnectionWithAcquisitionWeightedAverageGrantDateFairValue" type="dtr-types:perShareItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="RelatedPartyLoanReceivableCurrent" id="jf_RelatedPartyLoanReceivableCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RelatedPartyLoanReceivableTerm" id="jf_RelatedPartyLoanReceivableTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PercentageOfProfitPreferentialTaxCalculation" id="jf_PercentageOfProfitPreferentialTaxCalculation" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="TwentyFivePercentOfFirstRmb3.0MillionOfProfitsTaxedAt20Member" id="jf_TwentyFivePercentOfFirstRmb3.0MillionOfProfitsTaxedAt20Member" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ThresholdPortionOfProfitEligibleForTaxRelief" id="jf_ThresholdPortionOfProfitEligibleForTaxRelief" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="MaximumPreferentialWithholdingTaxRateOnDividendsPaidByForeignInvestmentEnterprise" id="jf_MaximumPreferentialWithholdingTaxRateOnDividendsPaidByForeignInvestmentEnterprise" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FurtherExemptionRateOf50OnNextSgd190000OfTaxableIncomeMember" id="jf_FurtherExemptionRateOf50OnNextSgd190000OfTaxableIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NonAustraliaMember" id="jf_NonAustraliaMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PercentageOfIncomeLossBeforeIncomeTaxForBaseReference" id="jf_PercentageOfIncomeLossBeforeIncomeTaxForBaseReference" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TaxAssessmentAmendmentPeriod" id="jf_TaxAssessmentAmendmentPeriod" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DisposalGroupIncludingDiscontinuedOperationOtherLiabilitiesNonCurrent" id="jf_DisposalGroupIncludingDiscontinuedOperationOtherLiabilitiesNonCurrent" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="BusinessCombinationRecognizedLiabilityAssumedDeferredTaxLiabilities" id="jf_BusinessCombinationRecognizedLiabilityAssumedDeferredTaxLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="InterestOnRelatedPartyLoan" id="jf_InterestOnRelatedPartyLoan" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="HongKongSubsidiaryMember" id="jf_HongKongSubsidiaryMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="RevenuesCostReversal" id="jf_RevenuesCostReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="SalesAndMarketingExpensesReversal" id="jf_SalesAndMarketingExpensesReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="ResearchAndDevelopmentExpensesReversal" id="jf_ResearchAndDevelopmentExpensesReversal" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
</xsd:schema>
