Gingkoo

Name

Gingkoo

Legal name

上海金丘信息科技有限公司

Website

https://gingkoo.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

RegTech (Regulatory Technology) for Financial Institutions

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Finance and Insurance (52)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK)

akta.pro secondary industries

Tax Operations Support (Indirect Tax, Withholding, Compliance Admin) (BPAAAGAI), Insurance Program Administration & MGA/MGU Services (FSAEADAK), Financial Planning & Analysis (FP&A) & BI (HDAEAMAG)

Keywords

• Regulatory compliance software
• Cross-border payment systems
• Financial tax management
• Regulatory reporting solutions
• Payment clearing systems

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Software Licensing & Implementation: Enterprise software licenses for regulatory reporting, payment systems, and tax management platforms, typically sold with implementation and configuration services to financial institutions.
2. Maintenance & Support Services: Ongoing system maintenance, updates for regulatory changes, and technical support services, providing recurring revenue from existing customer base.
3. Custom Development & Consulting: Custom development, system integration, and consulting services for金融机构数字化转型 projects.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Gingkoo provides RegTech (regulatory technology) enterprise software platforms for banks, insurance companies, securities firms, and other financial institutions. Its core offerings cover regulatory reporting systems (CBIRC EAST 5.0, 1104, PBOC statistics, SAFE, AML/CFT), cross-border RMB payment systems (CIPS direct connection), tax management platforms (VAT, electronic invoicing), and payment clearing solutions (CNAPS, CFXPS, TIPS). All products are sold as enterprise projects with bundled implementation and ongoing maintenance services to financial institutions.

Product overview

Gingkoo operates as a Regtech (Regulatory Technology) company offering a multi-module product portfolio organized around three core business lines: regulatory reporting, payment clearing, and tax management. The platform-plus-modules architecture includes GYBT (金丘一表通报送系统) and GTZM (金丘可信区管理系统) as subsystems for unified table reporting; EVAT and GVAT for electronic/paper invoice management; RDM (监管数据集市) and RDMS (统一监管数据管理平台) for regulatory data management; and specialized products including CIPS跨境人民币直联支付系统, 二代支付系统, EAST5.0报送系统, QFII产品, 中债直连产品, 数电发票产品, and various reporting products (存款保险、RCPMIS2.0、利率报备、CRS、北京人行大数据、外汇展业). Payment clearing products cover CIPS, CNAPS, CFXPS, TIPS, ECDS, and QFII settlement. Tax management includes VAT platforms for banking, securities, insurance, and fund industries. Credit products encompass supply chain finance, micro-lending, consumer finance, collection management, and intelligent risk control systems. The company serves over 80 financial institutions globally including Morgan Stanley, Citibank, BNP Paribas, HSBC, and Hang Seng Bank.

Differentiator

Problem solved

Functional benefit

Brands

• CIPS: Cross-border RMB payment system solution
• EVAT
• GVAT
• GYBT
• GTZM
• EAST

Products and services

• Regulatory Reporting Solutions (监管报送) Comprehensive regulatory reporting solution for financial institutions covering CBIRC EAST 5.0, 1104 reports, SAFE foreign exchange standards, PBOC payment and financial statistics, AML/CFT, free trade zone capital monitoring, and credit reporting systems. Targets commercial banks, foreign bank branches, and policy banks.
• Smart Payment Solutions (智能支付) Unified payment access platform for banks providing second-generation payment (CNAPS), cross-border RMB payment (CIPS), domestic and foreign currency payment (CFXPS), TIPS fiscal-tax-bank, super net banking, ECDS electronic commercial draft, and QFII settlement system connectivity.
• Tax Management Solutions (税务管理) Full-process tax management platform for the financial industry covering banking VAT platform, securities VAT platform, insurance VAT platform, fund management VAT platform, financial company VAT platform, all-tax-type tax management, electronic invoice cloud platform, and enterprise tax management cloud.
• Securities Settlement Direct Connection System (证券结算直连系统) Direct connection system meeting CSDC, CCDC, and Shanghai Clearing House interface communication requirements, completing fund settlement digital direct connection, connecting core payment systems with various institutional information channels to provide stable, reliable payment and reconciliation solutions for securities firms.
• CIPS Cross-border RMB Direct Payment System Cross-border RMB payment direct connection system enabling banks to participate in CIPS as direct or indirect participants for international RMB settlement, supporting both direct and indirect participant connections. The company holds 70% market share for multinational bank CIPS connections in China.
• EVAT Electronic Invoice and VAT Management System

Quantifiable outcome

• Serves 80+ banks and financial institutions globally
• +3 more outcomes

Named customers18 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Shanghai Hailong Software (上海海隆软件)coreStrategic or Co-development Partner · 1 December 2021Shanghai Hailong Software acquired Gingkoo in December 2021, making Gingkoo a wholly-owned subsidiary. This acquisition integrated Gingkoo's RegTech capabilities with Hailong's broader software portfolio.
• Shenyang General Aviation (沈阳通用航空)minorStrategic or Co-development Partner · 1 August 2019Strategic partnership to lock aviation industry as breakthrough for 'industry digitalization', extending RegTech solutions beyond financial sector.
• Guangzhou Huangpu District Government (黄埔区政府)minorOthers · 1 November 2018Guangzhou Jinqiu Chain Cloud Technology received special funding of RMB 1 million from Huangpu District Government, first company to receive this special fund.
• Novatti (澳大利亚第一支付企业)coreStrategic or Co-development Partner · 1 December 2017Strategic cooperation memorandum signed at Australian Consulate General in Shanghai in December 2017. Novatti, Australia's first payment enterprise, collaborated with Gingkoo on cross-border payment solutions. Novatti's technical team visited Gingkoo in February 2018 to deepen cross-border payment cooperation.
• Nanjing University of Science and Technology (南京理工大学)minorOthers · 1 September 2017CEO Zuo Peng appointed as part-time external mentor for MBA program, creating talent pipeline and academic collaboration.
• Stellar Network (恒星网络)coreStrategic or Co-development Partner · 1 May 2017Gingkoo's wholly-owned subsidiary 深丘科技 established a US-China joint venture with Stellar network in May 2017, focusing on blockchain technology applications in financial services.
• French National Investment Bank (法国国家投资银行)minorStrategic or Co-development Partner · 1 January 2017French National Investment Bank visited Gingkoo in January 2019 to strengthen financial ecosystem cooperation between the two countries.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• NICE Actimize: Global leader in financial crime compliance, AML, and regulatory reporting software. While focused on Western markets, it represents the global benchmark for AML and regulatory technology that Gingkoo competes against in multinational bank deployments.
• Yonyou Network (用友网络): China's largest enterprise software vendor with a financial services arm providing tax management, compliance, and financial reporting platforms to banks and large enterprises. A broader incumbent with overlapping tax and regulatory product lines.
• Digital China Information Service (神州数码信息服务): Large IT services conglomerate with a financial services division serving Chinese banks and insurers with regulatory, tax, and core banking solutions. A broader enterprise software player that competes for the same bank IT wallet.
• Infosys Finacle: Global banking IT platform vendor with regulatory and compliance modules. Competes for digital transformation and regulatory technology budgets at the same multinational banks that Gingkoo serves.
• Hand Enterprise Solutions (汉得信息): Large Chinese enterprise application and IT services provider with financial services practice including tax management and compliance solutions. Comparable as a broad enterprise software vendor serving regulated industries.
• ChinaSoft International (中软国际): Large Chinese IT services vendor with a financial services practice providing custom development, regulatory reporting, and compliance solutions to banks and insurers, comparable as a broad enterprise IT services peer.
• SAS Institute (Financial Crimes): Global analytics and anti-money laundering software vendor serving banks and financial institutions worldwide. Comparable in regulatory and AML technology category even though not a direct competitor in the Chinese market.

Direct peers

• Yusys Technologies (宇信科技): Leading Chinese banking IT solutions provider offering regulatory reporting, risk management, and digital banking platforms to commercial banks and financial institutions. Directly competes with Gingkoo for Chinese bank RegTech and tax management budgets.
• Sunline Tech (长亮科技): Shenzhen-listed banking IT vendor specializing in core banking systems, regulatory compliance, and financial big data solutions for Chinese banks. Overlaps with Gingkoo in regulatory reporting and payment system integration.

Regional players

• GRGBanking (广电运通): Chinese financial self-service equipment and banking solutions provider that has expanded into payment clearing and regulatory technology, overlapping with parts of Gingkoo's payment clearing and tax management offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Gingkoo