ENFO

What ENFO does

ENFO (杭州盈丰软件股份有限公司 / Hangzhou Yingfeng Software Co., Ltd.) is a Chinese financial software vendor founded in 2006 and listed on the National Equities Exchange and Quotations (NEEQ/New Third Board) under stock code 833955 since October 2015. Headquartered in Hangzhou with regional offices across seven major Chinese cities, the company develops and sells proprietary enterprise software built on a J2EE B/S architecture for non-bank financial institutions, with the deepest penetration in trust companies (20+ clients, claimed highest market share) and microfinance companies (800+ customers across 18 provinces, claimed #1 market share). Its product portfolio spans five primary vertical solutions — Trust Business Comprehensive Management System, Microfinance Business System, Guarantee Business Management System, Asset Management Solution, and P2P Industry Solution — supported by modular components including CRM, risk control, valuation, bank customer manager performance appraisal, anti-money laundering (AML) reporting, online trust, open-ended trust, credit asset securitization, village bank credit, factoring, and a cloud service platform for internet finance launched in 2015.

The company operates a direct enterprise sales motion targeting trust companies, banks, microfinance firms, asset managers, P2P platforms, and government regulatory bodies, supported by regional offices in Hangzhou, Beijing, Tianjin, Xi'an, Guangzhou, Shanghai, and Shenzhen. Revenue is generated primarily through one-time software license sales bundled with implementation and technical consulting services, rather than recurring SaaS subscriptions. Notable client engagements include Shanghai International Trust, Beijing International Trust, Bank of Communications International Trust, Guangdong Yuecai Trust, Huaneng Guocheng Trust, Jianxin Trust, the Shanghai Trust Registration Center, and the Zhejiang Province Microfinance Centralized Platform. ENFO holds Software Enterprise Certification, CMMI maturity certification, and National High-Tech Enterprise designation, and has been recognized as a Most Influential Enterprise in China's Financial Industry Informatization.

Name

ENFO

Legal name

杭州盈丰软件股份有限公司

Website

https://enfo.com.cn

Company type

Public

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

ENFO is a Chinese financial software vendor founded in 2006 and NEEQ-listed since 2015, providing J2EE-based enterprise systems for trust companies, microfinance firms, asset managers, guarantee companies, and P2P platforms, with claimed #1 share in microfinance software across 18 provinces.

Ownership category

akta.pro rank

Product category

Financial Industry Software

NAICS

Computer Systems Design and Related Services (54151), Computer Systems Design Services (541512)

SIC

Services-Computer Programming Services (7371)

akta.pro primary industry

Policy Administration, Underwriting & Rating Platforms (Core Insurance SaaS) (FSAGAGAB)

Keywords

• Trust management software
• Microfinance lending systems
• Asset management platforms
• Financial compliance reporting
• Banking CRM software

Headquarters

HQ city

Hangzhou

HQ country

China

HQ region

Asia

Offices7 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 Product Sales (自主知识产权软件产品销售): Sale of proprietary software products including trust business management systems, microfinance systems, bank customer manager performance appraisal systems, CRM, risk control systems, and valuation systems. Products are sold with implementation and technical consulting services to financial institutions.
2. Software Implementation and Technical Consulting Services (软件实施与技术咨询服务): Technical consulting and implementation services accompanying software deployment at financial institution clients.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

ENFO develops and sells proprietary financial-industry software suites for trust companies, microfinance firms, guarantee companies, asset managers, P2P platforms, banks and government regulators. Its flagship Trust Business Comprehensive Management System covers the full lifecycle — product design, issuance, utilization, accounting, distribution, settlement, regulatory reporting, customer wealth management and risk control — while parallel suites serve microfinance, guarantee, asset management and P2P, complemented by modules such as CRM, risk control, valuation, AML reporting, online/open-ended trust, securitization, factoring and a 2015-launched Internet Finance Cloud Service Platform. All solutions are built on a J2EE Browser/Server architecture and delivered with implementation and technical consulting services.

Product overview

ENFO (杭州盈丰软件股份有限公司) is a financial software company that developed a comprehensive suite of proprietary software products for the financial services industry. The core product portfolio includes the 盈丰信托业务综合管理系统 (Trust Business Management System) as the flagship product, complemented by 盈丰小额贷款业务系统 (Microfinance System), 盈丰担保业务管理系统 (Guarantee System), 盈丰资管行业解决方案 (Asset Management Solution), and 盈丰P2P行业解决方案 (P2P Solution). Supporting modules include 盈丰银行客户经理绩效考核系统, 盈丰客户关系管理系统, 盈丰信托风险控制系统, and 盈丰估值系统. Additional specialized solutions include 反洗钱报送系统 (AML Reporting), 网上信托系统 (Online Trust), 开放式信托系统 (Open-ended Trust), 信贷资产证券化业务管理解决方案, and 互联网金融云服务平台 (Cloud Platform). The company was founded in 2006 and listed on the New Third Board in 2015 (stock code: 833955).

Differentiator

Problem solved

Functional benefit

Products and services

• ENFO Trust Business Comprehensive Management System (盈丰信托业务综合管理系统)
• ENFO Microfinance Business System (盈丰小额贷款业务系统)
• ENFO Guarantee Business Management System (盈丰担保业务管理系统)
• ENFO Asset Management Industry Solution (盈丰资管行业解决方案)
• ENFO P2P Industry Solution (盈丰P2P行业解决方案)
• ENFO Bank Customer Manager Performance Appraisal System (盈丰银行客户经理绩效考核系统)
• ENFO Customer Relationship Management System (盈丰客户关系管理系统)
• ENFO Trust Risk Control System (盈丰信托风险控制系统)
• ENFO Valuation System (盈丰估值系统)
• Internet Finance Cloud Service Platform (互联网金融云服务平台)
• Anti-Money Laundering Reporting System (反洗钱报送系统)
• Online Trust System (网上信托系统)
• Open-ended Trust System (开放式信托系统)
• Credit Asset Securitization Solution (信贷资产证券化业务管理解决方案)
• Village Bank Credit Business Management System (村镇银行信贷业务管理系统)
• Factoring Business Management System (保理业务管理系统)
• Monetary Trust Product Solution (货币型信托产品解决方案)
• ENFO Client Wealth Management Business Platform V2.0 (盈丰代客理财业务管理平台 V2.0)

Quantifiable outcome

• 800+ microfinance company customers across 18 provinces, #1 market share in microfinance industry
• +3 more outcomes

Named customers29 records

Segments7 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature15 records

Scale indicators6 records

Recent moves8 records

Expansion highlights5 records

Broad incumbents

• Yonyou Network: China's largest enterprise software and ERP vendor with significant financial services offerings including banking, insurance, and securities. Comparable as a broad incumbent serving Chinese financial institutions, but at much larger scale and with a broader portfolio than ENFO's niche non-bank focus.
• Kingdee International: Major Chinese enterprise management and financial software vendor offering ERP and cloud financial solutions. Comparable as a broad incumbent in Chinese financial software, with a larger footprint and broader product portfolio than ENFO.

Direct peers

• Sinosig Technology: Leading insurance IT software vendor in China, listed on Shanghai main board. Comparable to ENFO in deep vertical specialization within a single non-bank financial subsector (insurance vs. ENFO's trust/microfinance focus).
• Advanced Information Technology: Chinese financial IT services company focused on banking and financial institution software delivery. Comparable to ENFO in customer base (regulated Chinese financial institutions) and core banking/financial software delivery model.
• Hundsun Technologies: China's dominant financial software vendor for securities firms, fund managers, and trust companies. Directly comparable to ENFO in serving trust and asset management institutions with full-lifecycle product administration and regulatory reporting systems.
• Sunline Technologies: Chinese banking IT solutions provider serving commercial banks and financial institutions with core systems and digital transformation software. Comparable to ENFO in targeting regulated Chinese financial institutions with mission-critical operational software.

Others

• Digital China Holdings: Large Chinese IT services and distribution company serving enterprise customers across multiple industries including financial services. Comparable as an ecosystem participant providing IT services to Chinese financial institutions, though not a direct competitor in ENFO's niche.
• Vanceinfo Technologies: Major Chinese IT services company providing software development and consulting, including to financial services clients. Comparable as an IT services ecosystem player adjacent to ENFO's enterprise software delivery model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 ENFO