What Yusys Technologies does

Yusys Technologies (宇信科技), founded in 1999 and headquartered in Beijing, is a publicly listed (Shenzhen Stock Exchange ChiNext, ticker 300674) financial technology vendor serving Chinese banks and a broader set of financial institutions. The company is positioned as one of the leading banking IT solutions providers in China, ranked #40 in the IDC FinTech Global Top 100 (2022) and #1 by IDC in the credit operating system, internet credit, and regulatory compliance segments. Yusys serves over 1,000 financial institutions via a delivery network spanning 40+ Chinese cities and overseas markets, supported by 9,000+ IT technical personnel.

The product portfolio follows a platform-plus-modules architecture. Core credit offerings include Comprehensive Credit, Retail Credit (including next-generation distributed microservice system WESTAR), Corporate Credit, Internet Loan, Small/Micro Enterprise Credit, Mobile Credit, Post-Loan Management, Collection Management, and Credit Risk Management systems. Data and analytics products include the Financial Data Middle Platform, Data Asset Management Platform, UDIY data intelligence suite (30 modular products released in 2023), and Business Intelligence Platform. Channel solutions cover Mobile Banking, Remote Banking, and Smart Branch operations. The Yusys Financial Cloud delivers IaaS/PaaS/SaaS across private, public, and hybrid cloud deployments, complemented by intelligent operations tools (iMonitor, iLog, iData) and a Unified Micro-service Platform. Regulatory compliance products cover 1104 off-site supervision, EAST4.0, SAFE, financial statistics centralized, and second-generation credit reporting.

The revenue model combines software development and services (main recurring/subscription driver), innovation operations (managed services such as internet loan joint operations with 'profit-first-then-pay' pricing, smart branch operations, big-data risk-control scoring, and SCM customer re-marketing), credit-related hardware, IT consulting, system integration, and testing services. GTM is direct enterprise field sales with co-sell alliances to Baidu, Tencent Cloud, Huawei, and PingCAP. Customers include commercial, joint-stock, city, rural, and policy banks (Qingdao, Zhengzhou, Dongguan, Ping An, etc.) plus securities (CITIC, Guotai Junan, Shenwan Hongyuan, Industrial), trust (CITIC, Jianxin, Ping An) and consumer finance / leasing players. Strategic moves include the 1.115 billion RMB fixed-raise in January 2022, Baidu's 2020 strategic investment, ecosystem tie-ups with Tencent Cloud and Huawei in 2021, the 2022 investment in Tongfang Software for core banking, the 2023 UDIY launch, and 2026 participation in the AI² Robotics Series B.

Name

Yusys Technologies

Legal name

北京宇信科技集团股份有限公司

Website

https://yusys.com.cn

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Yusys Technologies (宇信科技) is a Chinese banking IT solutions provider serving over 1,000 financial institutions with credit, data, risk-management, regulatory-compliance, and channel systems. Publicly listed on Shenzhen ChiNext (300674), ranked in the IDC FinTech Top 100, and partnered with Baidu, Tencent, and Huawei.

Ownership category

akta.pro rank

Product category

Banking IT Solutions

NAICS

Custom Computer Programming Services (541511), Computer Systems Design and Related Services (54151)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Services-Computer Programming Services (7371)

akta.pro primary industry

IT Operations Management (ITOM) Platforms (HDAEALAC)

akta.pro secondary industries

IT Service Management (ITSM) Platforms (HDAEALAA), Corporate Cash Management & Treasury Services (FSAMAOAA)

Keywords

• Banking IT solutions
• Financial software platforms
• Credit management systems
• Regulatory compliance reporting
• Fintech infrastructure

Headquarters

HQ city

Shenzhen

HQ country

China

HQ region

Asia

Offices32 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 Business: Software development and services providing banking IT solutions including credit systems, data platforms, regulatory compliance, channel management, and core banking systems. Main revenue driver representing the largest portion of revenue.
2. Innovation Operations Business: Digital retail credit operations, financial cloud services, marketing operations, and ecosystem cooperation. Includes joint operations with financial institutions and platform-based services.
3. Credit-related Hardware Business: Hardware related to credit IT infrastructure and financial technology deployment, including servers and network equipment for financial institutions implementing Yusys solutions.
4. IT Consulting Services: IT planning consulting, business consulting, implementation consulting services for financial institutions.
5. System Integration Services: Comprehensive system integration services including IT infrastructure consulting, data center integration design, disaster recovery center integration, and product selection.
6. Testing Services: Quality assurance and testing services for financial application systems.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Yusys Technologies provides comprehensive financial IT solutions to banks and financial institutions in China, including credit management systems (retail, corporate, SME, internet lending), financial data middle platforms, regulatory compliance and reporting tools, intelligent channel solutions (mobile banking, remote banking), and the Yusys Financial Cloud infrastructure (IaaS/PaaS/SaaS). The company also delivers innovation operations services such as internet loan operations, smart branch operations, and big data risk control scoring, supported by consulting, implementation, integration, and testing services.

Product overview

Yusys Technologies is a leading financial IT solutions provider in China, offering a comprehensive portfolio of products organized in a platform-plus-modules architecture. The core offerings include credit business systems (综合信贷系统) covering retail, corporate, SME, and internet lending; data intelligence platforms (数据产品及解决方案) including financial data middle platform, data asset management, and big data analytics; intelligent channel solutions (智能渠道) for mobile banking, remote banking, and smart branches; and supervisory compliance systems (监管合规). The company also provides infrastructure platforms including Yusys Financial Cloud (宇信金融云) for IaaS/PaaS/SaaS services, unified micro-service platform, and intelligent operations tools (iMonitor, iLog, iData). Innovation operations services encompass internet loan operations, smart branch operations, big data risk control scoring, and customer re-marketing. These products are integrated through technical middle platforms and IT management tools, serving over 1000 financial institutions including banks, consumer finance companies, securities firms, and insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Comprehensive Credit System (综合信贷系统) Enterprise-level credit system covering corporate, interbank, retail, SME, and micro-enterprise businesses on a single platform with multi-track architecture supporting the full credit lifecycle. Targeted at banks and financial institutions requiring unified credit operations.
• Financial Data Middle Platform (金融数据中台) Data service processing factory that aggregates and governs cross-domain financial data, providing reusable data services and analytics for front-end business operations across banking and financial institutions.
• Supervision Compliance Platform (监管合规平台) Regulatory reporting system covering multiple compliance requirements including EAST4.0, 1104 off-site supervision, financial statistics centralized reporting, SAFE reporting, credit reporting, and interest rate monitoring for banks and financial institutions.
• Unified Payment Platform (统一支付平台) Centralized payment and clearing system built on distributed architecture supporting flexible expansion and 24/7 payment operations with real-time, full-amount clearing for banks and payment institutions.
• Unified Micro-Service Platform (统一微服务平台) Enterprise micro-service architecture development platform with a rich component library, multi-channel support, and governance tools enabling financial institutions to build distributed applications.
• Yusys Financial Cloud (宇信金融云) Comprehensive financial cloud platform offering IaaS, PaaS, and SaaS services including compute, storage, database, network, security, and cloud operations management for financial institutions, supporting private, public, and hybrid cloud deployments.
• Big Data Risk Control Scoring (大数据风控评分) Intelligent risk control and anti-fraud product system integrating knowledge graphs, neural networks, and machine learning with 5,000+ indicator variables, providing end-to-end services from precise marketing and intelligent anti-fraud through application approval to risk early warning.
• Internet Loan Operations (网贷运营) Managed internet loan platform operations service offering quick deployment and scalability with a profit-first-then-pay cooperation model, including whitelist, marketing, risk control consulting, modeling, customer management, and risk monitoring support for banks and credit institutions.
• Smart Branch Operations (智慧网点运营) Smart bank transformation consulting and joint operations service covering software products, hardware integration, and operations to help banks transition traditional branches into data-driven, intelligent digital outlets.
• Customer Re-Marketing Platform SCM (存量客户再营销平台) Big data and machine learning platform providing precise customer analysis and product marketing targeting for existing customer base conversion, operated on a pay-for-results cooperation model for financial institutions.

Quantifiable outcome

• Ranked #1 in China's internet credit solutions market share
• +3 more outcomes

Named customers11 records

Segments7 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability10 records

Feature7 records

Partnerships

Six partnerships are on record, tiered major and core.

• Tongfang Software (同方软银)majorStrategic or Co-development Partner · 1 January 2022Yusys invested in Tongfang Software, a leading domestic core banking system vendor. The partnership combines both companies' strengths to jointly develop the core banking business system market with joint cases in core systems, credit accounting, and bill systems.
• Tencent CloudcoreStrategic or Co-development Partner · 1 October 2021Yusys and Tencent Cloud signed strategic cooperation agreement focusing on financial technology solutions, platform product integration, joint technology development, and business model innovation. Joint solutions include Tencent TDSQL database integration and Tencent TMF mobile finance development platform.
• HuaweicoreStrategic or Co-development Partner · 1 June 2021Yusys Technologies joined Huawei's Financial Partner Go Global Program (FPGGP) as a founding member. Partnership focuses on intelligent finance solutions with joint practices in private cloud and database projects. Mobile banking and mobile finance development platform being integrated with HarmonyOS ecosystem.
• PingCAP (平凯星辰)majorTechnology or Integration · 1 June 2021Yusys Technologies partnered with PingCAP to establish a financial distributed database joint innovation center based on TiDB. Joint solutions, cloud operations center, and market cooperation plans to provide end-to-end solutions for financial customers.
• HuaweicoreStrategic or Co-development Partner · 1 May 2021Joint launch of financial data middle platform solution at Huawei China Ecosystem Conference 2021. Combined solution leverages both companies' strengths in financial technology.
• Dingxin Software (鼎捷软件)majorStrategic or Co-development Partner · 1 January 2021Yusys partnered with Dingxin Software to promote supply chain finance innovation. Their joint venture Dingxin Rongpei successfully launched 'Jiao Jie Dai' supply chain finance product with Bank of Communications.

Scale indicators12 records

Recent moves8 records

Expansion highlights6 records

Broad incumbents

• Digital China Information Service: Major Chinese IT services and system integrator serving financial institutions alongside telecom, government, and enterprises; comparable on system integration and IT infrastructure but broader in vertical scope than Yusys.
• Yonyou Network: China's largest enterprise software company with a financial vertical offering ERP, financial management, and HR for banks and corporates; broader than Yusys in scope but competes on financial institution digital transformation deals.
• Tata Consultancy Services (Banking Platform / Finoforce): Global IT services giant with banking-focused platform offerings (TCS BaNCS) covering core banking, lending, and compliance — directly comparable in product scope to Yusys though vastly larger and with non-China focus.

Others

• Inspur: Chinese IT infrastructure and server/cloud provider enabling many of the same banking customers Yusys serves; comparable as the underlying compute/data infrastructure layer adjacent to Yusys's application solutions.
• Huawei Financial Services: Strategic partner via FPGGP; provides cloud, database, and HarmonyOS infrastructure to Chinese banks; comparable as both infrastructure enabler and adjacent provider of banking-related technology solutions.

Regional players

• Temenos: Global banking software provider for core banking and wealth/compliance; comparable product architecture to Yusys's core banking and compliance platforms but primarily serves EMEA/APAC banks rather than mainland China.
• FIS (Fidelity National Information Services): Global banking and capital markets technology vendor offering core banking, payments, risk, and compliance solutions; comparable product surface area to Yusys's enterprise banking platform but serves primarily non-China markets.

Direct peers

• Ping An OneConnect: Bank-tech arm of Ping An providing digital banking, credit, and compliance solutions to financial institutions in China and Southeast Asia, comparable in both product breadth and target customer set to Yusys.
• Hundsun Technologies: Leading Chinese financial IT solutions provider serving banks, securities, funds, and insurance; directly comparable product set (core systems, data, compliance) with overlapping modules to Yusys, particularly strong in securities-side IT.
• Sunline Technology: Direct China-based banking IT solutions peer also specializing in core banking, credit, and risk management systems for Chinese banks. Competes head-to-head with Yusys across credit and channel segments in the same geographic and customer footprint.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/yusys-technologies-co.-ltd.

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments6 records

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

Frequently asked questions about Yusys Technologies