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Company Profile

Industry Recognition

Sunline's Chronology

04

05

06

ABOUT SUNLINE

Banking

Fintech

08

25

INDUSTRY SOLUTIONS

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All Rights Reserved.

Products

Services

32

33

Satisfied Clients34

PRODUCTS & SERVICES

CLIENT

Global Contacts35

CONTACT

CONTENTS

Company ProfileEstablished since year 2002, Sunline is the leading banking software and technology services company in China headquartered in Shenzhen. Public listed in year 2012 and ranked in 2017 Forbes China Top 100 Potential Enterprises, Sunline has more than 4000 employees worldwide serving more than 400 banking and finance customers in China.

Over the past decade, Sunline Tech has constantly reinvented its technology by integrating the latest technology trends with the industry best practices to ensure the completeness and performance of its end to end financial IT solutions. From traditional core banking system to digital core banking system, from branch system to omni channels, all of Sunline's solutions are designed based on the ''customer-centric'' concept with full range of technical characteristics as well as business functions to help banks innovate their financial products with high quality online financial services in a comprehensive and secure manner.

Sunline Holding (HK) Limited has been established in 2016 to manage all Sunline's international subsidiaries and serve the international banking customers. International acquisition to date including: ProStick.com Limited - Hong Kong's leading trading and investment software company and Cedar Plus Sdn Bhd-Malaysia fast growing Fintech solution company. Sunline Holding (HK) Limited is wholly owned by Shenzhen Sunline Tech Co Ltd, authorized to own international trademark and patent of all Sunline Software according to the international regulation.

Our Culture: Making banking relevant-The partner of choice that innovate, build, deliver and support Banking IT solutions across the full value chain of banking

Our Objective: The pursuit of excellence through innovation

Our Mission: Create value for customers: Reinventing Innovation

04 ABOUT SUNLINE

ABOUT SUNLINE

05 ABOUT SUNLINE

● IDC China's Leading Financial Solutions Provider

● IDC China FinTech Pioneer TOP 25

● China's Top 100 Software Vendor

● Forbes China 2017 Top 100 Potential Listed Companies

● China's Focus Software Enterprises

● China's High-Tech Enterprises

● China's Torch Key Enterprises for Software Industry

● Deloitte Technology Fast 500

● Top 10 Leading IT Service Provider in the Financial Industry

● ISO27001 Management System Certification

● ISO9001: 2008 Quality Management System Certification

● AAA Grade Credit Enterprise Certification

● CMMI-ML3 Certification

● Computer Information System Integration Qualification-Level 2 Certification

● China's Top 10 Innovative Software Companies

Industry Recognition

2016Sunline Holding (HK) Limited was established and

ProStick.com Limited was acquired

Successfully rebuilding a new core system for Ping An Bank and Bank of Nanjing

2014Collaboration with China's first private bank, WeBank

to launch China's first digital banking system

2012Listed on Shenzhen Stock Exchange

2010China's First JAVA - SOA based Core Banking System

2017Established subsidiaries including Sunline Core Finance, Sunline NetFintech, Sunline Master International Indonesia and acquired Shanghai Minder Insurance Broker.

Awarded 2017 Forbes Top Listed Companies in China and TOP 25 in 2017 IDC China FinTech Pioneer (Financial Technology Pioneer).

Established a strategic cooperation with Tencent Cloud.

2015The continuous advancement in Fintech brought forth the collaboration with Baidu Finance, one of China's BAT

2013Established the R&D for Sunline's Core Banking, Risk Management & Data Analytics

2011Heng Feng Bank operating on Sunline's JAVA core business system

Sunline's Chronology

06 ABOUT SUNLINE

2008Awarded ''Deloitte high growth Fast 500 in

APAC'' for 3 consecutive years

2006Collaboration with Chong Hing Bank in Hong

Kong marked the beginning of Sunline's oversea outreach

2004Beijing & Shanghai branch were established

2002Sunline is established

2009Developed Sunline's 3rd generation core banking solution in line with international standards - New generation SunLTTS V5.0 core banking system

Sunline established its credit card department and pioneered China's Credit Card System with the development of SunCard in the same year

2007Developed Sunline's equity management system

2005The implementing of an integrated business system for Guangzhou Bank put forth the company's leading position in the South China market

International Data Analysis showed Sunline's SunLTTS holding the largest market share among China's commercial banks

2003Developed SunLTTS Core Banking System

07 ABOUT SUNLINE

08 INDUSTRY SOLUTIONS

INDUSTRY SOLUTIONS

Sunline is the leading banking software and technology services company in China. Over the past decade, Sunline Tech. has constantly reinvented its solutions by integrating the latest technology trends with the industry best practices to ensure the innovative nature, completeness and effectiveness of its financial IT solutions. From traditional core banking system to digital banking system, from branch delivery system to omni customer solutions, Sunline's offerings are designed on ''customer-centric'' concept, incorporating technical advancement as well as business agility to help banks innovate their financial business with high quality online financial services in a comprehensive and secure manner.

Sunline offers full range of IT solutions for the financial industry; including banking, insurance, funding, securities and other financial sectors. We groupped these solutions into 3 categories: core banking related, strategic management related and digital channels related.

Core Banking Solutions focuses on supporting FI's day to day operations by offering customer-oriented processes . These processes rely heavily on real-time, agile, high efficiency and tightly secured core systems. Typical products of these solutions include core banking, digital banking, credit card, Trade Finance, Treasury, etc.

Strategic Management Solutions focuses on supporting the users on FI's policies, stratrgies and decision making. These solutions offer decisioning support for various levels, business risk controls and mitigations, customer and operations analysis, as well as financial management through the use of both internal and external data. Typical products of these solutions include business intelligence, decisioning support, data analysis, regulatory & compliance support, risk management, financial management, etc.

Digital Channel Solutions focus on the digital link between customers, employees, partners as well as regulatory authorities. These solutions are the complex communication digital channels among the institution and variety of terminals. Secure connection, efficient communications and user-friendly interfaces are the main features of such solutions. Typical products include branch delivery system, online banking system, mobile banking system, ESB, VTM, etc.

Banking

Insurance

Unit Trust

Bond

Asset Management

Other Financial Services


The rapid advancement of technology, evolving customer expectations and changes in regulatory landscape are opening doors to disruptive innovation in financial services. Besides, the rise of financial technology (Fintech) innovations is capturing greater attention of customers, investors and incumbents. Disruptive innovation is here to stay. Although posing clear threats to the traditional structure and traditional business of the financial industry, it also creates tremendous opportunities for financial institutes to reinvigorate the industry and become more relevant to their customers. However, the velocity of change in the industry is so daunting that financial institutes must drive innovation while running the business.

As the leading financial IT service provider, Sunline Tech. is continuously reinventing its solutions by integrating the latest technology trends with the industry best practices to provide comprehensive and sucure solutions that ensure high quality innovative financial services for financial institutions to battle with competitions.

Sunline Tech will continue to uphold our mission to create value for customers. We will always strive for excellence and provide quality professional services for financial institutions.

Banking10 Core Banking System

12 Digital Banking

14 Big Data Analytics

16 Financial Management System

18 Comprehensive Risk Management

20 Automated Testing Platform

22 Real-time Foreign Exchange Trading

23 Wealth Management Trading Platform

24 Treasury System


Q&AQ: Can the system function meet the everchanging business needs of the bank?

A: Yes. With ten years of experience in the project development for more than 40 banking customers, Sunline's core banking system is guaranteed to fully meet the business needs of banks.

Q: Can the system also meet the future business development needs of the bank?

A: Yes. The powerful product factory speeds up the rollout of banking products, enhances banks' ability to provide personalized services for customers while allowing quick adaptation of innovations.

Q: How does the system counter the need for increasing processing capacity and performance expansion requirements caused by rapid growth of data and processes?

A: Sunline core banking system is built on JAVA with hassle-free hardware and software compatibility. Cluster deployment avoids single point of failure while maintaining infinite performance expansion. These allows the system to be flexible enough to meet increasing capacity and performance scalability requirements.

Product PortfolioCore Banking System.

OverviewIn this current competitive environment where disruptive innovation of the banking industry is inevitable, a strong core system is the platform for efficient business operations while continuously supporting agile business development, increasing service capacity and maintaining performance. Hence, the core system is the decisive factor for business competitiveness. Being responsible for the bank's major accounting and crucial processes, a strong core system should be constructed with comprehensive functions which include scalability, strong data processing capability while being flexible enough to support rapid changes in business demands.

HighlightsA customer-oriented system with powerful product factory speeds up rollout of banking products, improves the utureadaptation of banking services and enhances banks' ability to provide personalized services for customers.

Value for Customers ● Convenient and economical.

● Hassle-free hardware and software compatibility.

● Flexible scalability.

Core Banking System

Customer-oriented and experience-based are the essence in embarking core banking transformation. Proven core banking system is the platform to serve thousands of branches and billions of online users in outstanding efficiency. Sunline core banking solutions have the breadth of functionality customer would expect for the most sophisticated banking requirements.


Boosting the transformation of joint-stock bank with a strong core banking systemOverview:

A national joint-stock bank in China with asset size of 3 Trillion, estimated 40 thousand employees and more than 1000 branches. Customer was originally running on two separated retail and public core systems, and the retail system was developed by an internationally renowned solutions provider. Within 18 months, Sunline has succeeded in the development of a prototype to integrate of both core systems.

Business Challenges:

The need to replace and integrate two core systems developed by different service providers. Bank with a substantial number of data, business volume and peripheral systems further added to the complexity of a high-performance requirement system.

Resolution:

Sunline constructed a core banking system with 4 systems including core deposit system, accounting system, cash management system and business system. Applied read/write splitting, asynchronous processing, business day batches and business cluster deployment mechanism to support the core system of double billion digits (account number, business volume) business processing capability, quick business responses, minimal batch processing time and low system performance index. The development of such a supple customer-centric system with a strong product factory and ability to provide business innovation, personalized services, flexible pricing mechanism as well big data management will also be able to support new businesses in the future.

ROI:

Completed integration of both retail and public core systems to achieve a controllable independent system. The system's response speed was greatly increased, shortening the business processing time and improving system processing capacity.

Technology:

Read/Write Splitting, Asynchronous Processing and Cluster Deployment.

Case Study


Q&AQ: What is the difference between the traditional core and digital core?

A: The positioning of the two is entirely different which is mainly reflected in customer groups, channels, product forms, platform architecture, performance, operation methods etc.

Q: How does digital banking system support the ever-changing needs of internet finance?

A: By refining the internet financial characteristics through the service platform, the system can provide customers with personalized diversified products and flexibly adapt to changes in customers demand.

Q: What are the services supported by the digital banking platform?

A: A diverse range of products are derived from the platform, including remote account opening, cash sweeping, P2P, supply chain finance, Bills Management, consumer credit, financial management, crowdfunding, asset securitization, and other business forms. Each business form can co-exist with other business forms (like the cross-sector feature of the Internet) and can be componentized to provide various services.

Product PortfolioDigital Banking Systems, Micro Financing System, Automated Approval, Online Payment, Aggregated Payment Platform.

OverviewDigital banking totally transformed the business philosophy of banks by removing geographical limitations and is the inevitable future of financial sector development. Banks are facing challenges to maintain loyalty of individual customers as small-sized enterprises penetrated the industry with Internal financing. As an IT service provider in the banking sector, Sunline Tech. draws on the "Digitalisation" concept to integrate and upgrade the online financial services to help banks adapt to the ever-changing customer demands and consumption patterns in the era of digitisation.

Highlights ● A mature platform by combining the essences of finance

with the internet technology, data, economies of scale and efficiency.

● Providing co-existence among business forms and ability to componentized in providing diverse services by focusing on cross-sector internet features.

● A stable platform that supports high concurrency, massive data and distributed deployment.

Value for Customers ● Increasing banking channels for banks' customers.

● Increasing market share through the ease of attaining new customers and retaining current customers.

● Advanced management system and highly automated processes provide more efficient services for customers.

Digital Banking

In adapting to the ever-changing customer demands as well as competing with the disruptive technologies, banks and other financial institutions are starting to rely more on the reliance on digital banking.


Providing end-to-end Digital Banking Solutions for commercial banksOverview:

The construction of the digital banking system integrates all front-end and back-end processes of a powerful and compact system.


Banks need a flexible, agile and fully integrated digital banking system to remain competitive in this era of disruptive technologies with the ever-changing customer demands as well as competition from the emergence of Fintechs caused disruptive technologies.

Resolution:

Sunline has developed an digital banking platform that enabled banks to provide a full range of internet finance services and effective IT support to improve customer loyalty. The use of a unique business model provides agile and performance based platform to support huge third-party collaborations.

ROI:

Customer service and retainment is greatly improved flexible and use friendly digital banking platform. Easier customers attainment and retainment allow banks to increase market share.

Technology:

Using Sunline's self-developed V7 platform that supports high concurrency, massive data and distributed deployment removes the need for IOE while delivering robust product support and scaling capabilities.

Case Study


Q&AQ: What are the areas in financial institutions that can benefit from big data analysis?

A: Areas like data management, customer profiling, product innovation to drive precision marketing as well as risk operations management and risk control can benefit from big data analysis.

Q: What are the construct ion pat terns for b ig data infrastructure platforms?

A: There are 3 construction models for big data infrastructure platforms which includes unified big data platform, mashup architecture A (data warehouse + big data platform) and mashup architecture B (data warehouse + Internet financial big data platform).

Product PortfolioData management platform, enterprise scheduling monitoring platform, SunEJCM customer relationship management system, large data precision marketing system, real-time decision-making service platform, historical data management platform, BI self-service platform, geographic information service platform.

OverviewThe financial industry has transformed from the traditional economic model to a new economic model driven by data. Being a data society, mobile internet and social media allow easier collection of information. As the centre of the social credit system, banks always hold the most important social information but their data may be too scattered. While banks may have the upper hand with their large amount of data, it is important for the data to be clean and consolidated to enhance data value as well as allowing more accurate analysis.

HighlightsIncreasing banks' competitiveness and market share through precision marketing by leveraging on the accuracy of data analytics. The platform also featured ultra-large capacity, high fault tolerance, quick data processing, unlimited data formats, convenient storage system and low-cost hardware.

Value for CustomersComprehensive big data analysis will enhance performance of financial institutions with more accurate customer profiling. Precision marketing and market decisions will be greatly improved.

Big Data Analytics

Providing better understanding of customer with precision marketing.


Extending the Frontiers of Digital Banking with Big Data AnalyticsOverview:

In a data-based society with high reliance on mobile Internet and big data, it is more easily to collect customer information. Therefore, banks shall grasp the opportunity to use data technology (DT) to allow more accurate analysis ability for effective marketing decisions.


Core status of banks is impacted due to wide application of big data. Banks faces challenges in integrating and making full use of all available data for comprehensive business analysis to push product innovation and achieve effective marketing.

Resolution:

Sunline's big data architecture on Hadoop+Linux+X86 is a strong big data analysis platform and meet demands of linear and horizontal expansion. The platforms are featured by ultra-large capacity, high fault tolerance, quick data processing, unlimited data formats, convenient storage system and low-cost hardware.

ROI:

The platform's massive data processing capability manages the data quality and statistical consistency for financial institutions effectively. Flexibility of its analytics platform can meet the different needs of decision makers, management and frontline staff using the same data pool. And in the process of rapid development of financial institutions, to help them meet regulatory requirements. Quick and accurate big data analysis allows better decisions in promoting product innovation and precision marketing, which in turn increase banks' profitability.

Technology:

The use of several innovative technologies including Hadoop, HBase, Hive, Spark, Storm, R into the existing data warehouse platform to for more comprehensive data analysis platform.

Case Study


Q&AQ: How do you develop full line accounting system?

A: This system acts as an interbank ecological subsystem in a refined way with financial accounting as the core, including financial accounting subsystem, asset management subsystem, cost reimbursement subsystem, financial instrument subsystem, equity management subsystem, salary management subsystem and credit asset impairment subsystem. Those subsystems can be used to effectively connect all banking departments in the form of work flows and mobile approval, enhance information sharing among all banking departments, and solve the low efficiency due to manual operation.

Q: What are the taxes included in the complete tax category?

A: Company income tax, personal income tax, value-added tax, property tax, land use tax, vehicle tax, stamp duty, urban construction tax, education fee surcharge and local education surcharge etc are all included.

Product PortfolioFinancial management system, enterprise class big general ledger, general ledger and financial management system (Oracle), management accounting system, performance management system, stock management system, value-added tax accounting management system, management system, budget management system IT.

OverviewBank is the financial institution that seeks profit through financial services offerings, management of financial assets and credit services. The core business models of a banks operate between deposits and loans; by borrowing at lower interest rates and providing giving loans at higher interest rates. Main profits of commercial banks are the spread between deposits and loans. Hence, it is essential for financial institutions to have a standardised integrated financial management to ensure profit maximisation.

HighlightsBased on a three-tier architecture of "foreground, middle-ground and background" to provide unified data processing, storage, management and ensure comprehensive application of bank's data. A variety of technologies are added to improve system performance so that each application system can access and manage large amounts of data.

Value for CustomersExtensive businesses are covered as the system supports almost all internal banking businesses related to financial accounting, from daily expense reimbursement, fixed asset management, regular dividend accounting to payroll accounting. Mobile approval is supported to enable bank leaders and department managers to approve anywhere at any time and provide rapid responses to policy adjustments or accounting processing configuration.

Financial Management System

Serves the creation of interbank ecological subsystems in a refined way with financial accounting as the core, including financial accounting subsystem, asset management subsystem, cost reimbursement subsystem, financial instrument subsystem, equity management subsystem, salary management subsystem and credit asset impairment subsystem.


Leveraging on financial management for wiser decisionsOverview:

Adaptation of a standardized, centralized and transparent management of financial institutions as the main information p lat form to comprehensive ly in tegrate the in ternal management and external supervision of financial institutions.


The complete integration between financial information from internal and external accounting as well as reporting to allow rapid response towards policy adjustments.

Resolution:

Sunline has developed an ecological subsystem with financial accounting as the core that effectively connect all banking divisions, enhancing information sharing and solving efficiency issues due to manual operations.

ROI:

Extensive businesses are covered with the support of almost all internal banking businesses related to financial accounting. A unified internal and external accounting and reporting allow swift responses to policy adjustment, greatly reducing the manual workload and rate of error, hence providing more accurate financial information for management decision.

Technology:

Proprietary products using standard J2EE architecture and integration of SOA processes to achieve the service of transactions, atomization, processing logic through Java components.

Case Study


Q&AQ: Is Sunline's risk management system able to support financial institutions to go through liquidity tightening regulatory in countering liquidity risk based on central bank's assessment?

A: With the use of Sunline's liquidity risk management system, financial institutions can improve liquidity management capabilities while meeting regulatory requirements.

Q: What is the countermeasure for high non-performing loans (NPL) ratio for banks?

A: Leveraging on big data risk warning cloud platform, commercial banks can predict risk of customers more quickly and take measures in advance to reduce the such high ratio and further prevent losses to the business.

Product PortfolioConsulting services, market risk management system, asset liability management system, big data risk warning cloud platform, risk data mart etc.

OverviewSunline's risk management system is a comprehensive system which calculates accumulated data based on complex and accurate risk indicators and provides a risk report conforming to the governance principles of commercial banks. A comprehensive system allows the construction data carry out various substantive risk management reports. Distributed big data analysis platform can enhance the data processing ability and enhance the value of data of financial institutions.

HighlightsA fully comprehensive system built based on industry knowledge and experience with complete market risk data mart and mature implementation methodology providing ability to support various major risk measurement engines.

Value for CustomersAn enhanced level of risk management with the application of innovative technologies and regulatory updates to support bank's management capabilities, promote marketing and reduce losses.

Comprehensive Risk Management

With further development of the modern financial sector, the market risk has been one of the major risks for commercial banks, featuring high fluctuation frequency and heavy losses. Therefore, new venture capital agreements should be based on a comprehensive risk management to ensure banks meet the regulatory compliance requirements and modernized management requirements.


Assisting commercial banks in building a comprehensive risk management systemOverview:

The construction of a comprehensive risk management system with the integration of various risk levels.


The need for advanced consulting and mature implementation.

Resolution:

Sunline has developed a comprehensive risk management solution by integrating of operational risk consulting and management system, credit risk consulting and management system, market risk consulting and management system, liquidity risk consulting and management system.

ROI:

Improving the results of risk management considering latest regulatory requirements, thus providing better management decisions.

Technology:

Leveraging on the experience and knowledge of subject matter expert as well as the use of advanced technology and powerful computing engine model as the platform of a comprehensive risk management system.

Case Study


Value for Customers ● Comprehensive test coverage and automated regression

testing to enhance human efficiency and saving on manual regression costs.

● Automatic and continuous accumulation of risk levels reduces enhances risk management and to minimise risk of banks.

Q&AQ: What is automated testing?

A: The use of programmed controlled pre-determined procedures to simulate manual testing process without manual intervention.

Q: What are the advantages of using interface automated tests?

A: The test system interface is relatively easy to implement and relatively stable. Automation support for backend processes can reduce the manual regression test cost of human resources and time. Interface automation's major advantage is to provide high yield with low cost.

Product PortfolioAutomated test platform.

OverviewSunline Tech's test team has developed an integrated application test solution for banking industry based on years of IT projects implementation experience in China as well as its deep understanding of international and domestic advanced software testing methodologies and practices Summary.

Due to the The business of financial industry is increasing constantly, the mode of financial transaction is changing constantly and the demand of financial institutions for information is higher and higher. It is very important for financial institutions to have high quality financial software. How to ensure the quality of the financial industry software, the financial industry software testers, put forward higher requirements. At the same time, the traditional manual testing methods become more and more obvious in cost and efficiency, and the demand for automated testing is more and more intense. The complexity of financial service system brings challenges to system development and delivery. Automated test platform which adapts to complex system architecture has become a tool to ensure system quality. The implementation of interface automated testing includes flexible test data automatic generation and recovery, automatic test case generation, test script component visualization development, and perfect implementation of interface automation test.

Highlights ● Automated test data generation.

● Test case design standardisation.

● Comprehensive test results with flexible automatic alignment algorithm.

● Flexible and simple settings.

● Flexible user interface design and implementation of process controls.

Automated Testing Platform

To bank as the main customer, for financial institutions, customers set up a set of use case management, interface management, component management, data management, operation management, statistical management in one of the automated testing solutions.


Interface automated test solution for online transactionsOverview:

The customer is a joint-stock commercial bank with nearly 5000 types of core transactions and is usually performing manual testing methods. Due to limited resources, these manual testing provide inadequate results. With the use of automated testing, covering more than 3100 key transactions and nearly 100000 cases in about 1 hour. The implementation of automated testing has changed the original test pattern, increased test coverage, shortened the regression cycle and reduced the on-line risks.


The system architecture is complex and interfaces between systems usually jumbled up. Traditional automated testing methods will face difficulties to meet the needs of the system development.

Resolution:

The use of automatic calibration, automatic generation of test data through the automatic generation of test cases, test script component visualization development improves the testing efficiency and accuracy. The development of such comprehensive platform will also reduce the project cost and ensures project completion is on schedule.

ROI:

The use of automated testing platform will greatly reduce test workload, speed up test progress, shorten the regression cycle, increase test coverage and reduce on-line risk.

Technology:

Development and deployment of Sunline self-developed SunATP automatic test platform to achieve a combination of interface automated testing.

Final batch automated testing solutionOverview:

The customer is a commercia l bank wi th dai ly and accumulative business processes data. The original test method is done by modifying the system date in a test environment, perform testing on a specific date on the final batch and can only cover business life cycle with a specific date without being able to filter functions and processes. Hence, it is difficult to achieve a continuous testing life cycle. With the use of automated testing on the end-day data batch, the process was completed in 33 seconds compared to 2 hours when using manual testing. Automated testing at the end of the day greatly shortens test time for daily closing.


The software system for banks has large amount of data requires a long execution time in the end of the day. Manual testing on the daily life cycle of the business consumes a lot of manpower and time.

Resolution:

Developed a set of automated testing solution for the entire life cycle to produce analysis of the business needs, business data sampling, use of online transaction data, combined with the interface automatic generation day end batch interface automatic trigger and automatic calibration test results.

ROI:

Shorten batch execution time at the end of business day by increasing the speed of test and shortening the return cycle. Automated test system also increase the test coverage and reduce the risk on-line.

Technology:

Development and deployment of Sunline self-developed SunATP automatic test platform to achieve a combination of business process automated testing.

Case Study


Highlights ● Built on Java J2EE Technology with 3 - tiers architecture.

The Application Server farm can be scaled up according to different business needs.

● User-friendly Internet & Mobile Trading Platform for customers to trade, inquire portfolio, read news and access charts.

● Real-time FX rates with spread distributed to individual customers, branches, departments across the bank.

● FX Position can be centralized for Straight through or Take Position.

● Real-time mark to market for customer portfolio for margin monitoring.

● Provide comprehensive reports & Statement.

● Fully integrated with Bank's system.

● Bank can expand their business in a more flexible & efficient way.

Product PortfolioFXCORE - Foreign Exchange Collateralized On-line Real-time system.

OverviewFXCORE Foreign Exchange Margin Trading solution help improve the business flow for the inherent hectic market activities of the foreign exchange world, from front end customers via the internet, leading to dealer's hedging execution as well as mid and back office functionalities. This straight-through process (STP) begins with trade capture and the entry system, supported by a real time RISK MANAGEMENT SYSTEM providing up-to-the-minute exposure control to management and dealers, as well as directly linking to the back-office system. Thus, the entire deal flow can be efficiently handled in a controlled environment.

With the flexible design and open architecture, FXCORE can easily integrate to other systems and be customized easily to adopt new financial products with minimal effort.

FXCORE Coverage:

● FX & Gold Spot Trade

● FX Outright Forward

● Non-Deliverable Forward (NDF)

● Currency Switching

● FX Options (Plain Vanilla, Single & Double Barrier, Binary)

● FX Structured Option

Since its introduction to the Banking sector in 1994, it has been successfully deployed to more than ten banks that are active and high in volume in the foreign exchange margin trading business.

Real-time Foreign Exchange Trading

The flagship trading solution for foreign exchange, covering from Internet customers, front office, mid-office, back office to liquidity providers.


Highlights ● COPIA consists of two core system modules - a front

office processing arm (OPS) and a back-office module, which operate on a single database that support real time information sharing between the two modules.

● Streamlines the daily operation of financial product trading and enables users to manage risk more efficiently.

● Fully compliant with local regulatory requirement such that users can put more focus on new business initiatives.

● COPIA can be implemented through different phases so that the migration process can be achieved with little initial set up cost and little change in operation.

● Started with minimum initial hardware requirement and scaled up easily in response to increasing business volume.

Product PortfolioCOPIA Platform and Product Suites.

OverviewA fully integrated wealth management trading platform that allows real-time distribution of financial and investment products to all customer segments.

COPIA platform coverage includes:

● Unit Trust

● Debt Securities

● Stock

It is an all-encompassing platform that includes customer investment risk analysis, trade inception, 360-Degree client view, settlement, back office functionalities as well as customer/transaction data mining potentials, thus providing an adaptable and fully managed straight through processing (STP) solution.

Wealth Management Trading Platform

COPIA is an all-encompassing trading platform supporting multiple financial trading products.


Highlights ● Provides complete processing and control capabilities on

most commonly traded Treasury products.

● Supports Foreign Exchange, Money Market, Bonds and Repo and is targeted for financial institutions with relatively small treasury operations that nevertheless require strict risk control compliance and high operational efficiency.

● System price and maintenance fee is more reasonable.

Product PortfolioTreasury Automated System (TAS).

OverviewTreasury System is designed for streamlining the operational workf low of the t reasury funct ions, automat ing the confirmation & settlement process and enhancing treasury risk management capabilities. It is an integrated solution supporting both front and back offices and thus all related parties are using a single platform requiring no more tedious system integration.

Treasury Automated System currently supports Foreign Exchange, Money Market, Debt Securit ies and Repo instruments, targeting financial institutions with relatively small treasury operations that nevertheless require high operational efficiency and strict risk control compliance.

Transactions in Treasury Automated System are classified into three major sectors;

● Counterparty

● Portfolio

● Product

And consist of the following key features:

● Confirmation & Settlement Process

● Cash Flow Management

● Position Monitor

● Limit Control

● Interface and Reporting

Treasury System

TAS (Treasury Automation System) is a treasury system for Foreign Exchange, Money Market, Debt Securities and Repo products.


Fintech26 Fintech Sandbox

28 Consumer Financing

30 Supply Chain Financing


Q&AQ: What is the different between fintech solution with traditional banking solution?

A: The fintech and traditional Banks have distinguishing features. Sunl ine's solut ion integrated both of their advantages. By integrating functions from digital banking and strong accounting system of traditional banking, the needs for internet banking is met.

Q: What does fintech sandbox include?

A: In addition to existing functions like investment banking, loan financing, P2P, scene finance and convenient main stream payments in the industry, this system allows rapid expansions and into various other financial services offerings.

Product PortfolioDigital banking system, internet financial business service platform, credit system, automatic approval, front-end Internet, aggregated payment platform.

OverviewFintech institutions does not hold financial services licenses like banks and other financial institutions but with the help of internet, big data and risk control management, they can provide more relevant financial services in investment, financing, payment, P2P and other fintech services as compared to traditional banks. Due to their flexible system, innovation and scalable operation patterns, they are more relevant internet banking service providers compared to traditional financial institution. In this era of disruptive innovations, Fintechs are having greater influence in the industry.

Highlights ● Flexible configuration and strong accounting function.

● Products are mainly from traditional and digital crossover with rich and complete functions.

● Strong capability of digital business to support the financial industry of various internet scenarios.

Value for Customers ● Create fintech brand and rising company value.

● Gain more data access through product innovation to achieve a larger scale benefits.

● The use of automated testing construction to reduce on-line risk.

Fintech Sandbox

Building a comprehensive fintech solution to provide a complete, high flexibility and high adaptability financial services.


Providing complete sandbox for FintechOverview:

Providing a comprehensive fintech platform which includes user management, transactions updates, expenses, quota, product marketing, external cooperation channels, channel integration, back-end accounting etc.


The country's financial policy provides a lot of opportunities and challenges for fintechs. To remain competitive and relevant, fintech companies will need to provide differentiative, innovative and customer-centric services.

Resolution:

Sunline developed a digital banking solution to integrate front (customer facing), middle (management) as well as back-end (processing) to provide a strong platform. This complete fintech solution helps financial institutions to develop internet financial business quickly.

ROI:

● Create digital banking brand and rising company value.

● Gain more data access through product innovation to achieve a larger scale benefits.

● The use of automated testing construction to reduce on-line risk.

Technology:

The use of Sunline's self-developed V7 platform for development and deployment to achieve a comprehensive, stable and high concurrency of system functions.

Case Study


Value for Customers ● Support for cash loans, online and offline consumption,

staging and other scenes of credit products applications.

● Support multi-channel loan access.

● Easy background operations and parametric design to support rapid on-line credit products.

● Workflow engine that can support automatic implementation and differentiated risk control models for various products.

Q&AQ: What is the difference between the consumer financial system and general internet credit business system?

A: The consumer financial system can support more businesses for multiple partners including net loan business common single cash loan business cycle, amount of cash loan business, commodity consumer loans, secured loans business scenarios as compared to the general Internet credit system. Hence, the support form of products is more abundant.

Product PortfolioConsumer finance accounting core system, pre-loan approval system, anti-fraud system, credit risk management system, collection system, unified payment platform, APP unified platform, unified credit reporting platform.

OverviewWith financial integration and the fast growth of Internet finance, financial markets are facing changes from old to new market structures. To survive and grow amid these changes, commercial banks and other financial institutions in China need to meet the financial demands of many small and micro-sized enterprises and individual consumers, speed up product innovation, and seize market shares.

At the same time, the core business has accumulated substantial customers from payments, retail, service, manufacturing and Internet industries. In order to promote higher consumer spending, maximize revenue income, improve customer services and many other considerations, banks and financial institutions are moving into Cross-border credit business, providing their customers with easy access, scenario base financial service products. Merchants, customers, consumer finance companies are the key participants of the system. System partnering with consumer finance website, mobile applications, consumer website, offline merchants, ISP as the main source of business . It can support multiple participants development and variety of model of consumer finance products.

Highlights ● Highly efficient and accurate credit approval process.

● Multiple product, scenario, partners and parameters support.

● Multi credit payment channels.

● Highly secure according to banking security standard.

Consumer Financing

Support financial and non-financial institutions in providing credit services to promote greater consumer spending.


Building a consumer finance project for a large retail groupOverview:

A well-known large retail group wish to provide customers with commodity loans, cash loans and other categories of integrated credit services.


A wide range of credit products and businesses (online and offline) co-exists. All these products have different product design and risk control processes. A system that is compatible for all to allow joint operations of all these products are needed.

Resolution:

Sunline developed a consumer finance system based on a set of financial management products. The system covers product design, account management, credit risk control, credit control, credit collection stroke module and closed loop consumer credit business management. At the same time, the system supports multiple service partners to enable the enterprises to achieve a financial platform model to carry out a variety of consumer credit business.

ROI:

● Cash loan business goes on-line for six months with a cumulative amount of loans over 600 million.

● Commodity lending business goes on-line for six months with a cumulative amount of loans over 1 billion 450 million.

Technology:

Sunline's solution was developed using an open platform based on J2EE standard structure and SOA model; in accordance to modular, parametric, high scalability and high availability design.

Case Study


● Parameter-driven to enable easy policy adjustments. The system is easy to use and highly reusable.

Value for Customers ● Supports 4 major product categories including commercial

factoring, small loans, financing guarantees and financial leasing.

● Cover all aspects of trade including order financing, warehouse receipt financing, inspection order financing, invoice financing etc.

● Customer relationship network showing the 6 layers of social relations and associated risks at a glance.

● Close-loop risk management to provide a full range of risk control.

Q&AQ: What are the business areas that supply chain financing systems can support?

A: The system can support all aspects of the business supply chain based on credit business including commercial factoring, small loans, financing guarantee, financing leasing etc. This system also support personal credit loans, collateral loans etc.

Product PortfolioSupply chain finance accounting core system, pre-loan approval system, loan risk management system, collection system, unified payment platform, unified credit information platform, unified reporting platform.

OverviewWith the rapid growth of capital markets, the role of commercial banks as a financing medium is increasingly weakened among high-end customers, whereas the booming of small and medium-sized enterprises does not translate into growth points for commercial banks. The reason is that traditional credit risk control techniques are ineffective in preventing and detecting frauds initiated using faked reports by credit applicants who have no collateral or guarantee and are prone to bankruptcy.

The most outstanding characteristic of supply chain finance is to find a core enterprise in the supply chain and provide a package solution for the entire supply chain based on this enterprise. This "package" development mode plus innovative risk control methods allow banks to pay more attention to transaction risks in the supply chain and provide services for more small and medium-sized enterprises based on an evaluation of the overall business relationship. If an enterprise falls short of the bank's risk control criteria but it maintains a stable business relationship with the core enterprise, the bank can extend credit to this business relationship, in addition to an independent risk evaluation of the enterprise's financial status. This speed up the transaction progress.

Supply chain finance is an innovative product different from the traditional corporate credit business. The systems used to manage corporate credit products are not suitable for supply chain financing products with an expanding size. Commercial banks need to manage their supply chain financing products on an electronic management platform to improve efficiency and control risks. To address these problems, Sunline Tech designs a supply chain financing system specially for financial institutions in China to help them build a professional and efficient supply chain financing management platform.

Highlights ● Highly scalable to support business growth. System

scalabil i ty is ensured via platform-based operations, parameters, service assembly, business rules, and process customization.

Supply Chain Financing

Support financial institutions to manage overall financial services for core enterprises as well as their upstream and downstream enterprises.


Large manufacturing group supply chain financing projectOverview:

A well-known large manufacturing group providing small loans, financing guarantees, financial leasing and other categories of credit licenses for its upstream and downstream enterprises.


The system will need to support both commercial factoring, small loans, financing guarantees, financial leasing and other categories of supply chain loan products.

Resolution:

Sunline developed a supply chain financing management system putting into consideration the complexity of the downstream customer business loans and diversity. This system can support all the supply chain financing needs of the core enterprise as well as the core enterprise business docking system by integrating information flow, capital flow, logistics integration, financial services, production of financial services, purchase and all sales stages. The system is also compatible with small loan business, financial leasing business, financing guarantee business and other categories of enterprise loan operations.

ROI:

Project goes on-line for six months after completion and the core enterprise is not able to provide a total of more than 1 billion lending amount to its upstream and downstream enterprises.

Technology:

Sunline's solution was developed using an open platform structure based on J2EE standard, using SOA (service oriented) model, according to modularization, high parameters, high scalability, high availability design.

Case Study

32 PRODUCTS & SERVICES

PRODUCTS& SERVICES

Core Banking

Core Banking System

Payments & Settlement

Bank Branch Teller Platform

Integrated Frontend System

Digital Banking

Digital Banking System

Digital Financial Platform

Internet Financing System

Loan Origination System

Internet Fund Investment Platform

Fund Management Platform

Unified Digital Payment Platform

Digital Integrated Frontend

Consumer Finance Digital Account Management System

Supply Chain Finance Account Management System

Unified Digital Payment Account Management System

Internet Credit Risk Management System

Internet Pre-Credit Risk Control System

Internet Risk Management System

Internet Early Warning System

Collection System

Card System

Credit Card System

IC Card Management System

Credit Card Risk Management System

Credit Card Pre-Credit Risk Control System

Credit Card Risk Management System

Credit Card Early Warning System

Credit Card Collection System

Channel Integration

Card Integrated Frontend System

Wealth Management & Treasury

FXCORE - Foreign Exchange Collateralized On-line Real-time system

COPIA Platform and Product Suites

Treasury Automated System (TAS)

Data Processing

Banking Resource Allocation Monitoring Platform

Enterprise Data Management Platform

Historical Data Management Platform

Marketing

Big Data Precision Marketing System

Real Time Decision-Making Services Platform

CRM

PRODUCTS

33 PRODUCTS & SERVICES

Commercial Paper

Commercial Paper Management System

Commercial Paper Exchange Platform

Risk Management

Asset & Liability Management System

Position Management System

Cloud Based Big Data Credit Risk Management Platform

Market Risk Management System

Treasury Automated System

Financial Institutions Core System

Financial Institution Core Business system

Financial Holding Core System

Financial Holding Company (FHC) core business platform

Fund Management

Corporate Fund Management System

Insurance

Life insurance reinsurance system

Insurance policy registration system

Insurance industry interface platform

Insurance audit system

Auto insurance claim system

Auto dispatch system

Multi-channel access platform

Insurance net platform

WeChat marketing service platform

Basic platforms

Automatic testing platform

Tinybuilder application development platform

IT Planning & Consultation

Testing Services

Training Services

Maintenance Services

Hardware Installation & Data Migration Services

Business Intelligence

Self-Service BI Platform

Geological Information Service Platform

Data Analytics Services

Monitoring System of Government

Uniform Financial Regulation Reporting Platform

Enterprise Accounting System

Financial Management System

Enterprise General Ledger

General Ledger & Financial Management System (Oracle)

Management Accounting System

Performance Management System

VAT Management System

Stock Right Management System

Accounting Assistant Management System

IT Budget Management System

Asset Management

Asset Management Core System

Cash Management

Cash Management System

SERVICES

34 CLIENT

CLIENT

We have more than 400 satisfied clients operating on our solutions!

35 CONTACT

We hope to serve you better!

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CHINA HQShenzhen Sunline Tech Co., Ltd.

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