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On November 3rd, 2025, the prestigious Hong Kong FinTech Week x StartmeupHK Entrepreneurship Festival 2025 kicked off in Hong Kong, bringing together top players in the global fintech industry. As a leading global fintech solution provider, Sunline was invited to participate in the core forum — “Global Innovation and Smart China Forum”, showcasing the strength and intelligence of Chinese fintech companies to the world.

At the forum, Jacqueline Niu, Vice President of Sunline, was a key speaker at the roundtable discussion on the topic themed “Navigating The Frontiers for Global Markets”, from ‘Scale Expansion’ to ‘Focused Development’: The Path and Practical Blueprint for Global Expansion”. Alongside representatives from international financial institutions, investment agencies, and pioneers in cross-border business, Jacqueline shared insights into the challenges and opportunities of global expansion and collaboration, systematically outlining Sunline’s deep exploration and ecological partnerships in its globalization journey.

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Building Global Capabilities and Achieving Deep Local Integration

In discussing Sunline’s journey from initial exploration to deep localization in international markets, Jacqueline Niu highlighted that the company’s globalization process has not been without challenges. However, through continuous breakthroughs in product strategy, delivery systems, and organizational talent, Sunline has gradually built a replicable and sustainable global framework.

In the early stages of expansion, Sunline faced significant differences in regulatory requirements, business practices, and user mindsets across different countries. The product initially went through a highly customized phase. To balance the challenges between standardization and localization, Sunline refined its proven domestic systems, creating a layered architecture with a universal core standard layer and a flexible, scalable client layer. This structure, enhanced with AI capabilities and data intelligence frameworks, ensures the core product remains replicable while agilely adapting to the diverse needs of global markets.

Simultaneously, Sunline upgraded its delivery approach. The traditional “on-site heavy delivery” model encountered challenges like high communication costs and difficultyin resource allocation for cross-border projects. To address this, Sunline developed an innovative model combining a centralized delivery center with on-site expert support, standardizing methods and tools for system integration and data migration, which significantly improved both efficiency and control across multinational projects.

The local integration of teams and talent is also a key factor in the success of global expansion. Sunline adheres to the principle of “China-foreign collaboration”, leveraging domestic expertise and integrating it with local teams to drive knowledge transfer and co-building. Additionally, the company rapidly established local platforms for administrative, human resources, and taxation teams, ensuring a solid foundation for sustainable local operations.

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Creating an Open and Win-Win Local Ecosystem to Share Global Digital Benefits

Regarding the building of local ecosystems, Jacqueline Niu emphasized that for companies to truly establish themselves internationally, they must not operate in isolation. Instead, a sustainable and replicable open ecosystem must be created. She stated, “Sunline’s global expansion proves that this process is not achieved overnight. Companies must adhere to a long-term vision and embrace the ‘open and win-win’ ecosystem philosophy.”

Sunline focuses on building ecosystems centered around customer value, with a strategic layout that includes Hong Kong and Singapore as key hubs. This strategy has laid a solid foundation for deepening its expansion and building a global network of collaborations. In recent years, Sunline has built a comprehensive four-dimensional cooperative network covering sales, solutions, implementation, and operations. By partnering with channels, consultants, cloud services, infrastructure providers, and local system integrators, Sunline has achieved full coverage from market access to last-mile delivery, forming a sustainable and replicable win-win model. This open ecosystem ensures the company’s ability to settle in, grow steadily, and move forward..

A Decade of Progress and Success

With over 60 clients in Southeast Asia, including Malaysia, Thailand, and Indonesia, Sunline has demonstrated its strong competitive edge in international markets. The company has become one of the few fintech firms in China to successfully enter overseas markets with a standardized product. As the digital transformation needs of emerging markets such as the Middle East, Africa, and Latin America accelerate, Sunline is actively seizing market opportunities and positioning itself in diverse markets.

From Global Expansion to Rooted Success in the Global Fintech Landscape

In the past decade, Sunline has written a new chapter in the globalization of Chinese fintech. Looking ahead, Sunline will continue to adopt a more open posture, with a more mature system to empower the global financial industry’s digital transformation. Together with partners, Sunline aims to build a more resilient, secure, and intelligent financial ecosystem for the future.

Recently, Sunline successfully secured the contract for an information system construction project for a China local asset management company, leveraging its strong comprehensive capabilities and mature solutions. This project is the first core business system construction initiative launched by local AMCs following the official implementation of the “Interim Measures for the Supervision and Administration of Local Asset Management Companies” (the “New Regulations”). It holds significant industry demonstration value.

Sunline will tailor a core business system that fully meets the business development demands, aligns with the new regulatory guidelines, and satisfies internal management requirements.

Precision Alignment: Strengthening Compliance and Risk Control

On July 15, 2025, China’s “Interim Measures for the Supervision and Administration of Local Asset Management Companies” were officially released, marking the establishment of a nationwide unified regulatory framework. This indicates that local AMCs are entering a new phase of regulated and standardized development. Building on previous policy guidelines, the new regulations require local AMCs to standardize business operations and strengthen risk management. Additionally, it introduces six types of quantitative regulatory indicators, effectively improving the enforceability of oversight.

In this context, Sunline will work closely with the asset management company to enhance the integration of business and technology, while comprehensively supporting the improvement of internal controls, ensuring business compliance, and safeguarding steady development under the regulatory focus on “returning to the basics and focusing on core business.”

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Empowering Technology: Achieving Sophisticated Management of Non-Performing Assets

As the market for non-performing assets gradually becomes more specialized and refined, leveraging technology to empower business processes and implement strategic development requirements can further enhance the core competitiveness of AMCs. In this project, Sunline will leverage its extensive experience in the AMC sector to build a core business system that meets all the key operational requirements of the asset management company.

This system will provide full lifecycle management for various business stages, from pre-investment to post-investment, while improving business management precision. It will meet complex transaction scenario needs, achieve “business and finance integration,” strengthen compliance management and data application capabilities, and fully comply with the requirements for digital infrastructure development, aiming to set a new benchmark for technology empowerment in local AMCs.

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Industry Expertise: Leading the Digital Transformation of AMCs

Sunline has been deeply involved in the non-performing asset industry and has already served over 30 national and local AMC clients, creating a complete product portfolio covering both corporate and individual loan businesses in the past decade. This project is another key step for Sunline in expanding its presence in the local AMC market, following recent successes in the central and southwest regions.

The project covers both corporate and individual loan businesses, highlighting Sunline’s comprehensive capabilities in the non-performing asset sector and its leading position in the digitalization of special assets. This collaboration is not only a pioneering practice in the “digital core” development for local AMCs post-regulation but also a model case for deep integration of digital assets. Moving forward, Sunline will continue to use innovation as a driving force, relying on its advanced fintech capabilities and rich industry insights to help more asset companies achieve high-quality digital transformation.

The Global Data Management Summit 2025 was successfully held in Hangzhou on September 26–27, where the results of the Annual Data Governance Awards were officially announced. Sunline’s Data Asset Management Platform was honored with the “Outstanding Data Governance Product Award.”

Organized and presented by DAMA Greater China, this award recognizes products, teams, and enterprises that demonstrate exceptional innovation, application value, and significant contributions to industry development. The recognition once again validates Sunline’s strong innovation capability and leadership in data governance.

In the wave of digital transformation, financial institutions face major challenges such as fragmented data, poor quality, lack of visibility, data silos, security pressures, and limited ability to unlock data value. These challenges weaken competitiveness and hinder innovation in the digital era.

To address these pain points, Sunline independently developed the Data Asset Management Platform, built on advanced microservices architecture and fully supporting the China IT ecosystem. With “Discovery, Management, and Application” as its core, the platform provides full-lifecycle management across asset inventory, classification and authorization, quality control, security governance, and asset services. It empowers financial institutions to:

•  Achieve a unified view of data assets, breaking down information silos.

•  Establish a closed-loop data quality management system to ensure integrity, accuracy, and timeliness.

•  Leverage automation and intelligence to improve data management efficiency.

•  Build a comprehensive security and compliance framework with masking, access control, and audit features.

•  Continuously operate and unlock the value of data assets to support regulatory reporting, operations, and risk management.

The platform has already been successfully deployed in over 100 financial institutions, including major banks and non-bank organizations. Its proven track record has earned multiple “Best Practice Awards” at previous summits, reinforcing its maturity, reliability, and business value.

Looking ahead, Sunline will continue to deepen innovation in data governance, delivering cutting-edge products and premium services to empower the digital transformation of financial institutions and unlock the full potential of data as a strategic asset.

At the Huawei Connect 2025 themed “Elevating Industry Intelligence”, Sunline, Huawei, and Philippines City Savings Bank (“CitySavings”) signed a Memorandum of Understanding (MOU), marking a new milestone in their partnership and a strengthened commitment to accelerating CitySavings’ digital transformation journey.

Through this MOU, the three parties will leverage their complementary strengths: Huawei will provide its world-leading cloud infrastructure and ICT capabilities, Sunline will bring its extensive expertise in core banking systems and digital financial solutions, while CitySavings will contribute its strong market presence and leadership in inclusive finance. Together, they aim to build a next-generation digital banking service system that is secure, efficient, and innovation-driven.

This agreement extends the achievements of earlier collaborations and sets a benchmark for cross-border fintech cooperation at Huawei Connect 2025. By combining resources and expertise, the three parties seek to establish a forward-looking model of digital transformation for the financial industry in the Philippines.

“Our collaboration with Huawei and CitySavings will unleash strong synergies,” said Ruby Zhou, Deputy President of Sunline Holding. “Through shared resources and complementary strengths, we believe CitySavings will achieve new breakthroughs on its digital transformation journey, injecting fresh momentum into inclusive finance development.”

Global Recognition at Huawei Connect 2025

During the event, Sunline was honored with Huawei’s top annual award for solution partners — Global Excellent Industry Solution Partner — recognizing Sunline’s joint innovation with Huawei and its leadership in global fintech practices. This marks the third time Sunline has received this prestigious recognition.

As a pioneer in exporting China’s fintech capabilities, Sunline has partnered closely with Huawei across products, markets, and technology for many years. Together, they have introduced proven financial technology solutions to markets in Asia, the Middle East, Africa, and Latin America. At Huawei Connect 2025, Sunline showcased global best practices including its SunCBS distributed core banking solution, DataMind intelligent data platform, enterprise-level general ledger, and AI-driven banking core applications — all tailored to diverse regulatory, market, and customer requirements worldwide.

Joint Innovation with Huawei Kunpeng Ecosystem

Another highlight was Sunline’s deep collaboration with Huawei’s Kunpeng ecosystem. The two companies jointly launched the world’s first banking core system running on Kunpeng servers, setting an industry precedent. Sunline has since embraced Kunpeng across multiple product lines — from its APStack technology platform and enterprise general ledger to data asset management systems — all of which have been certified under Kunpeng’s development framework, delivering enhanced efficiency, performance, and security.

At the Kunpeng Computing Industry Summit, Sunline joined Huawei in unveiling the “APStack Technology Platform + Core Banking System Solution”, reinforcing their commitment to advancing digital and intelligent transformation in the global financial sector.

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Looking Ahead

Sunline and Huawei will continue to deepen their strategic collaboration, bringing China’s technological innovation and best practices to the world stage. Together with CitySavings, they aim to empower financial institutions globally with digital intelligence, shaping the future of smart and inclusive finance.

On September 16, the 2025 Digital Ecosystem Development Conference and “Foundation Plan” Mid-Year Meeting was successfully held in Beijing. At the event, Sunline was recognized for its outstanding performance in big data and AI, earning a place in the China Academy of Information and Communications Technology (CAICT) 2025 Mid-Year “High-Quality Digital Transformation Typical Cases” and “High-Quality Digital Transformation Technology Solution Collection”. Sunline also made it into the “Panoramic Map of High-Quality Digital Transformation Products and Services (First Half of 2025)” across five key segments, with its technical strength and practical capabilities certified by a national authoritative institution.

Yantai Bank × Sunline

The Only Banking Data Case Recognized

At the conference, the project “DataOps Empowering Yantai Bank to Build a High-Quality Intelligent Data Hub”, jointly developed by Sunline, was honored as one of CAICT’s “High-Quality Digital Transformation Typical Cases (First Half of 2025)”. It was the only banking data-related case selected, highlighting its innovation and representativeness in the digital transformation of the banking sector.

Currently, banks are accelerating transformation towards “online, intelligent, and data-driven” operations. Against this backdrop, Yantai Bank regards efficient management and deep mining of data assets as a core element of competitiveness. Together with Sunline, the bank launched a lakehouse-integrated intelligent data hub project to break down “data silos” and create a new ecosystem of coordinated development between business, data, and technology.

As a strategic project for Yantai Bank’s intelligent transformation, the initiative innovatively combines a lakehouse architecture with advanced frameworks, building a full-chain system covering data ingestion, sharing, and service. By creating user-friendly data portals and highly collaborative DevOps platforms, it integrates the bank’s data resources, forming standardized and systematic data assets. This has strongly driven the deep integration of data, technology, and business—essentially constructing Yantai Bank’s “data highway.”

By the end of March 2025, the intelligent data hub project was fully launched, delivering five major breakthroughs that established a benchmark for data-driven banking transformation:

1. Upgraded Data Service Capabilities

Built a unified DataOps platform and enterprise-wide data portal, integrating resources, breaking silos, and providing consistent analytics, visualization, asset, and multidimensional query services to directly empower business decisions.

2. Refined Data Asset System

Managed over 4,000 data assets (indicators, reports, labels, models, etc.), developed 10+ data quality control scenarios, and ensured accuracy through dual technical and business validation. Achieved centralized management, efficient reuse, and large-scale value release while advancing governance.

3. Optimized Technical Architecture

Constructed a lakehouse-integrated platform with multimodal storage engines, supporting both batch and streaming processing. Adopted layered architecture (ingestion/sharing/service) with elastic scalability for efficient asset management and agile business innovation.

4. Business Scenario Empowerment

Enabled real-time dashboards and data portals for multidimensional asset monitoring, serving as a “barometer” for operations. Focused on core reports for fast insights and precise decision-making, driving business value conversion.

5. Significant Cost Reduction and Efficiency Gains

Cross-department workflows were reduced from 7 person-days before deployment (with inconsistencies) to 1 person-day post-deployment—improving efficiency sevenfold. Centralized management delivered significant operational benefits, showcasing the core value of a middle platform in “cost reduction, efficiency improvement, and empowerment.”

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Multiple Products and Solutions Endorsed by CAICT

During the event, CAICT officially released the “Panoramic Map of High-Quality Digital Transformation Products and Services (First Half of 2025)”. The map highlights domestic enterprises with outstanding market performance and commercial value, aiming to provide a benchmark reference for digital transformation across industries.

        

After rigorous evaluation by CAICT experts, Sunline’s flagship product DataMind – Intelligent Integration Platform was highly recognized. Sunline was listed across five core categories—“AI Large Models,” “Intelligent Agents,” “Data Elements and Applications,” “Data Governance,” and “Data Analytics”—making it one of the few companies nationwide to cover all five. This serves as authoritative validation of Sunline’s strong capabilities in digital transformation services.

In addition, two of Sunline’s technical solutions—DataMind and the Unified Regulatory Reporting System—were also included in CAICT’s “High-Quality Digital Transformation Technology Solution Collection (2025)”, further demonstrating advanced architecture, innovative application, and high promotion value.

At the roundtable forum, Sunline’s Head of Data Business Solutions emphasized DataMind’s alignment with the upcoming 16th Five-Year Plan (十五五) digitalization trends:

The plan is expected to raise higher requirements for financial institutions in areas such as independent controllability, security compliance, and deeper data value creation. Traditional “patchwork” solutions can no longer meet these demands. DataMind is positioned to become the “intelligent brain” of financial institutions—simplifying engineering through platformization, improving timeliness with real-time capabilities, enhancing sharing through service orientation, and linking business with scenario-based applications. This helps financial institutions build the intelligent data core capabilities required under the 16th Five-Year Plan.

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Looking ahead

Sunline will continue to drive innovation, leveraging its end-to-end big data solutions spanning intelligent integration platforms, data resource management, data service management, data application management, and data asset management. The company aims to accelerate the deep integration and innovative application of data in the financial industry, injecting new momentum into the sector’s high-quality development.

Shanghai, China – September 17, 2025 – In partnership with Huawei, Sunline successfully hosted the Global Banking Summit 2025 in Shanghai, welcoming a distinguished audience of senior executives and decision-makers from leading banks and financial institutions across Asia and the Middle East. With delegates from Singapore, Hong Kong, Thailand, Indonesia, the Philippines, the Middle East and beyond, the summit underscored its position as a truly cross-regional platform for collaboration and innovation. 

The summit created an energetic and engaging atmosphere, with industry leaders, technology experts, and customers sharing perspectives on the future of intelligent banking. From real-world transformation stories to forward-looking innovations, the program provided participants with actionable insights and practical strategies to address today’s most pressing challenges in banking.

Jonathan Sharp, CIO of SCB TechX

A key highlight was the presentation by the CIO of SCB TechX, who offered candid reflections on their core banking modernization journey. His sharing outlined the realities of such a mission-critical program — from evolving requirements and integration challenges to the importance of resilience and customer protection. His message was clear: successful transformation requires strong partnerships, shared accountability, and the agility to adapt in real time.

Sunline experts further enriched the discussions by showcasing the company’s latest innovations. Presentations covered DataMind, Sunline’s flagship data intelligence solution designed to deliver AI-ready data and real-time insights; AI in Core Banking, with practical use cases from fraud detection to AI-powered digital platforms; SaaS for Agile Banking, enabling institutions to launch new services faster and integrate seamlessly with new channels; and the Enterprise Intelligent Ledger, which enhances transparency, automation, and operational control. These solutions reflected Sunline’s commitment to providing banks with the tools to modernize with speed, confidence, and measurable impact.

Roger Wang, Director of Partner Development Dept, Digital Finance BU of Huawei

Huawei also played a central role in the agenda, presenting strategies on application modernization and sustainable growth. Their sessions demonstrated how advanced infrastructure and cloud-native capabilities can help banks enhance agility, lower complexity, and position themselves for long-term competitiveness.

The program concluded with an interactive Leaders’ Exchange, where participants engaged directly with speakers in open dialogue. This session highlighted the collaborative spirit of the summit, reinforcing that while technology is a vital enabler, true transformation comes from partnerships, shared expertise, and disciplined execution at scale.

The success of the summit was reflected not only in the strong attendance, but also in the dynamic discussions and positive feedback from participants. It reaffirmed Sunline’s role in convening the industry’s brightest minds to chart the future of banking together.

Jameson Li, Group CEO of Sunline

“Core banking modernization has become mission critical as banks adapt to new customer expectations and fast-changing markets,” said Jameson Li, Group CEO of Sunline. “Through our partnership with Huawei and our proven innovations, we are committed to helping banks simplify complexity, accelerate digital transformation, and build intelligent, resilient, and customer-centric institutions ready for the future of finance.”

 

As financial institutions face increasing pressure to modernize legacy platforms, respond to rising customer expectations, and unlock the full potential of data and AI, the summit showcased how Sunline — together with its strategic partners and customers — is delivering the vision, the solutions, and the ecosystem to power the next era of intelligent banking.

Recently, Sunline has successfully won three major core banking system projects — including two nationwide joint-stock commercial banks and one city commercial bank ranked among the Top 10 by assets. This “triple win” not only extends Sunline’s leadership position in the core banking sector, but also sets new records in the joint-stock bank new-core track, firmly establishing its decisive market dominance.

Sunline’s continued recognition by large-scale banks underscores that its products and services have passed the industry’s most rigorous tests, showcasing strong technological capabilities and deep business expertise. More importantly, these advanced experiences and innovations will empower small and medium-sized banks in their digital transformation journeys — enabling them to achieve core replacement and upgrade with greater efficiency, and realize “large-bank-level” integration of business and technology.

Over the past 20+ years, Sunline’s core banking systems have been distinguished by technological advancement, extensive case practices, broad customer coverage, and strong service reputation. Having participated deeply in full-cycle core system construction across banks of all sizes and types, Sunline has successfully delivered nearly 100 core banking projects, making it the partner of choice for core modernization in China.

Guided by practice, powered by products, and centered on service, Sunline continues to evolve with the mission of creating value for clients. Facing the rise of AI and other frontier technologies, Sunline will join hands with clients and ecosystem partners to strengthen the competitiveness of the financial technology value chain, reshape the global fintech landscape, and contribute Chinese strength to the world’s economic transformation.

Sunline’s self-developed integrated data platform, DataMind, has successfully passed the AI-Enhanced DataOps Functional Evaluation jointly conducted by the China Academy of Information and Communications Technology (CAICT) and China Thiel Laboratory. This certification affirms DataMind’s intelligent and standardized full-chain data management capabilities, setting a new benchmark for unlocking data value across the financial industry.

Proven Excellence | 100% Test Completion Rate

The evaluation, led by CAICT and based on the AI-Enhanced DataOps Functional Testing Standard V1.0 2025, conducted comprehensive, in-depth validation of DataMind’s AI-powered DataOps components. Covering four major functional domains — end-to-end demand management, data R&D and governance integration, automated delivery and operations, and full-chain operational assurance—the assessment included 57 rigorous test items.

DataMind achieved a 100% pass rate, demonstrating exceptional stability, functionality, and reliability, and providing a reference model for the financial sector in maximizing data value.

Innovation Leadership | Finance-Grade Intelligent Data Platform

As a flagship solution rooted in years of financial industry expertise, DataMind is positioned as an intelligent, one-stop data management platform.Through layered architecture, modular design, and plugin-based extensibility, DataMind delivers scalable, collaborative, and agile capabilities — empowering financial institutions to accelerate business responsiveness, drive innovation, and enable sustainable data-driven growth.

Three-Layered Architecture | Building the Intelligent Data Foundation

L1 Technology Component Layer (DStack)

• Built on DataOps principles, DStack delivers low-code, batch, and real-time data development and operations capabilities. It covers end-to-end demand management, integrated governance, and full-chain operations, providing a solid technical backbone for upper-layer applications.

L2 Application Platform Layer

• This layer consolidates tools such as metric management, label management, and rule engines—standardizing reusable data services that can be quickly adapted to diverse business scenarios.

L3 Scenario Layer

• High-value business scenarios are pre-built into the platform, packaging the capabilities of L1 and L2 into ready-to-deploy data products that accelerate business outcomes.

AI-Powered Data Intelligence | Driving Next-Generation Finance

Beyond enabling high-value scenarios, DataMind integrates large model technologies to continually advance its intelligence capabilities. Current features include:

• SQL development assistant

• Model design assistant

• Natural language querying

• Metric attribution analysis

• NLP-driven label generation

• Automated data quality checks & analytics

These functions empower data development, data services, and data governance with greater efficiency and intelligence—earning wide recognition from leading financial institutions and positioning DataMind as a trusted engine for unlocking data value.

Four Core Capabilities | Reshaping the Financial Data Value Chain

DataMind leverages technology to help financial institutions:

• Simplify complex data engineering

• Accelerate data processing and delivery

• Enhance data service capabilities

• Seamlessly integrate with real business scenarios

1. Simplified Engineering: One-Stop DataOps for 2x Efficiency

By integrating standard data warehouse methodologies with AI-driven tools such as the SQL Development Assistant and Model Design Assistant, DataMind shifts from manual workflows to human–AI collaboration. With low-code development and cross-role collaboration (business, development, and operations), the platform delivers 2x faster data development efficiency.

2. Real-Time Responsiveness: Millisecond-Level Data Processing

With a unified lakehouse architecture, DataMind supports both batch (T+1) and real-time (T+0) data management. This enables end-to-end, second-level response times, meeting the financial industry’s stringent needs in scenarios such as real-time risk control and precision marketing.

3. Enhanced Services: Unified and Reusable Data Assets

DataMind establishes a standardized service ecosystem—covering metrics, labels, rule engines, visualization, and API services. It supports full lifecycle management from development and publishing to consumption and monitoring, driving 4x higher data asset reuse rates and effectively breaking down silos.

4. Business Integration: Scenario-Driven Value Delivery

With 50+ pre-built financial business scenarios, the platform enables seamless end-to-end execution—from scenario selection and adaptation to development, testing, and delivery. This reduces deployment cycles to under one week, accelerating business value realization.

The 2025 Xiamen International Bank Cup Digital Finance Innovation & Entrepreneurship Competition brings together fintech innovators to showcase cutting-edge solutions that advance digital finance and promote technology integration in banking.

Sunline’s Tag Management Platform earned the Outstanding Innovation Award, recognized for its excellence in data value mining, business enablement, and AI-driven insights. The accolade reflects both the platform’s impact in solving key challenges for financial institutions and Sunline’s ongoing commitment to innovation and intelligent digital transformation.

Financial institutions currently face three core challenges in tag management:

• High barriers to cross-departmental data sharing, limiting tag resource circulation;

• Lack of unified standards, causing inconsistent structures and definitions;

• Inefficient pathways to translate tags into business value, leaving data potential underutilized.

Traditional tag systems often lack top-level design and holistic coordination, resulting in duplicated development, resource waste, and misalignment between technology outputs and business needs—making it difficult to support precise operations.

Sunline’s self-developed Tag Management Platform directly addresses these challenges, providing financial institutions with foundational capabilities for fine-grained business operations and asset-oriented services. Centered on deep business-technology integration, the platform delivers a closed-loop solution across three core modules:

1. Enterprise-level Unified Tag System: Standardizes tag definitions and metrics, breaking down data silos;

2. Full Lifecycle Intelligent Tag Management: Covers tag design, generation, and operations to improve efficiency;

3. Scenario-based Intelligent Application: Leverages AI for natural language insights, supporting predictions such as potential customer churn or clients with high investment potential—lowering barriers to data use while enabling precise marketing and intelligent risk management.

By adopting the platform, financial institutions can enhance data asset accumulation and application capabilities while driving scenario-based business outcomes through the dual engine of data insights + precise decision-making. To date, the platform has been successfully deployed across more than ten financial institutions, including joint-stock banks, city commercial banks, and rural commercial banks, delivering significant impact in marketing, risk management, and customer service.

The competition was jointly organized by Xiamen International Bank, China Financial Media Co., and the Xiamen Local Financial Association. Against the backdrop of Xiamen’s push to build a strong financial city and a fintech hub, Xiamen International Bank has actively promoted innovation by creating multi-event platforms that connect the financial technology ecosystem while advancing digital transformation in banking.

Winning the Outstanding Innovation Award reflects the high recognition of Sunline’s technical strength and real-world impact. Looking ahead, Sunline will continue deepening financial institutions’ data capabilities, integrating AI technologies, and delivering smarter, more efficient solutions to enable the full spectrum from data asset accumulation to business value realization, supporting high-quality, systematic growth.

Driven by both upgraded financial regulation and the digital transformation of financial institutions, the financial industry’s data productivity is accelerating — spanning data collection, governance, and utilization. China’s financial regulatory framework is undergoing a major evolution.

At the opening of the 2025 Lujiazui Forum, PBoC Governor Pan Gongsheng announced eight landmark financial opening measures, with the very first being the establishment of an interbank market trade repository.

As a cornerstone of modern macro-prudential regulation, the trade repository is designed to aggregate and analyze high-frequency transaction data across interbank bond, money, derivatives, gold, and bill markets. This unified data infrastructure serves financial institutions, supports macroeconomic policy, and strengthens market oversight.

On the micro-prudential front, May 2025 marked another milestone: the National Administration of Financial Regulation (NAFR) issued its notice on the nationwide rollout of the “One Form System” (一表通) for regulatory reporting — following more than three years of pilot programs.

The “One Form System” restructures the regulatory data reporting framework through penetrative, data-driven supervision, advancing digital and intelligent oversight, strengthening the “Five Pillars of Supervision,” and accelerating the digital transformation of banks. For regulators, high-quality data underpins any effective financial oversight system. From the trade repository to the One Form System, the rapid evolution of China’s supervisory reporting reflects this data-driven momentum.

At the same time, as China’s financial markets expand with new products and services, and AI-driven innovations give rise to new business models, financial institutions face mounting challenges. They must upgrade their data capabilities end-to-end to unlock data’s full potential and fuel their own transformation. Against this backdrop, fintech providers like Sunline are not just participants but key enablers and witnesses of this historic transformation.

01 | Continuous Upgrades in the Reporting System

The history of finance is also a history of regulatory evolution — and reporting has always been a key mirror of this progress. Beyond the PBoC and NAFR, regulators such as SAFE, tax, commerce, and statistics authorities all maintain their own reporting systems. Over time, these systems have evolved from manual submissions, to automation and platformization, and now toward digitalization and intelligence with initiatives like the One Form System.

On the macro level, the PBoC oversees systemic risks using multiple tools — including centralized reporting, trade repositories, the Jinshu system, PISA, interest rate filings, and deposit insurance data.

•  As early as 1996, the Centralized Reporting System created the first nationwide financial statistics database, consolidating loans, deposits, branch and personnel data for macro-monitoring.

•  The Jinshu system, launched in 2020, collects far more granular, source-level transaction data from financial institutions across all business lines.

On the micro side, regulators have consistently innovated reporting regimes to strengthen off-site supervision:

•  “1104” reports (2003) captured core bank performance metrics including financials, risk, and capital adequacy.

•  Customer Risk Reporting (2007) emerged for AML, CTF, consumer protection, and credit risk supervision.

•  The EAST system (2012) established standardized data collection and an open analytics platform, enhancing off-site inspections with detailed risk data.

This progression reflects a clear trajectory: from static compliance to dynamic monitoring, from single metrics to holistic risk profiles, and from low-frequency aggregation to high-frequency, near real-time reporting.

02 | The Origins and Evolution of “One-Form”

The journey toward “One Form” illustrates how challenging, yet critical. This evolution is. Back in 2019, a provincial regulator in East China convened top domestic IT vendors to reimagine the regulatory reporting framework. While EAST was a breakthrough, pain points remained: difficulties in submission, gaps between systems, lagging timeliness, and lack of interactive online environments for ad-hoc tasks.

At the same time, banks faced exploding data volumes and regulators demanded more timely and accurate risk data. Reform was inevitable.

Initially, global IT giants like IBM and Teradata dominated data warehouse solutions in Chinese banks, but their models proved ill-fitted to new regulatory demands. Independent development attempts also stalled. Ultimately, regulators turned to domestic fintech leaders.

Sunline, already a proven leader in data governance and banking DWH projects, stood out with its localized models and strong project delivery record at institutions such as Agricultural Development Bank of China, Ping An Bank, and Hengfeng Bank.

Through joint collaboration, a new platform was created, unifying three major reporting systems with standardized data models and processing logic. Piloted in multiple East China banks, it delivered strong results — paving the way for nationwide rollout.

By May 20, 2025, NAFR formally mandated the One Form System nationwide, reshaping China’s regulatory reporting landscape.

Sunline’s One Form solutions are now live at multiple banks — including Ping An Bank, Hengfeng Bank, Bank of Nanjing, and Sichuan Rural Credit Union, reinforcing its leading role in the regulatory reporting space.

03 | Reshaping the Financial Data Foundation

Whether the new trade repository or the nationwide One Form rollout, China’s financial regulation has entered a new digital and intelligent stage.For banks, however, this is a stress test for data governance. Daily-frequency, enterprise-wide reporting demands new levels of data quality, governance, architecture, and operations. Compliance pressure is rising, with penalties increasingly tied to reporting deficiencies.

Yet, challenges bring opportunity. Deloitte notes that the One Form initiative offers banks a unique chance to rebuild their data foundation, drive regulatory compliance digitalization, and accelerate intelligent transformation.

In parallel, China’s policy focus on data as a factor of production — with frameworks for data rights, circulation, and assetization — is amplifying the urgency. Banks must activate data as a core asset to boost competitiveness and contribute to national strategies such as building a “financially strong nation.” Sunline provides end-to-end data lifecycle solutions, extending far beyond reporting alone — spanning data asset management, integration, mid-platform architecture, and multi-scenario applications. With more than 200 global financial clients, Sunline has delivered market-leading solutions across DWH, risk management, regulatory reporting, and data governance.

Powered by industry experience + AI, Sunline has accumulated 30+ AI application scenarios, enabling banks to build secure, controllable data systems and continuously upgrade data value.

At the same time, Sunline is extending its impact globally. With operations across Asia, the Middle East, Africa, and Latin America, and deep engagements with 60+ overseas financial institutions, Sunline is not only advancing China’s financial modernization but also exporting Chinese fintech strength to the world stage.