超范围收集个人信息 8000万用户平台卡牛信用管家被通报

Core Viewpoint - Since the implementation of the Personal Information Protection Law in China, personal information processors have faced strict regulations, with Shenzhen Kaniu Technology Co., Ltd. being recently reported for exceeding the necessary scope of personal information collection through its Kaniu Credit Manager app [1][2]. Company Summary - Kaniu Credit Manager app has over 80 million users as of August 2025, offering services in smart bill management, credit card information, and credit technology [1]. - The app has three main segments: bill management, borrowing services, and personal risk reporting [2]. - Kaniu Technology was founded in 2012 and has received significant investment, including A+ round financing from Sequoia Capital [2]. - The company has previously faced scrutiny for information security issues, including a fine in December 2022 for infringing on personal information rights [3]. Regulatory Context - The National Cybersecurity Center reported that 38 mobile applications, including Kaniu Credit Manager, were found to illegally collect and use personal information [2]. - The issue identified was related to insufficient authorization for clipboard usage, which is considered a violation of privacy rights [4]. Industry Implications - The financial sector is under pressure to comply with the Personal Information Protection Law, with concerns about over-collection of data and lack of transparency in privacy policies [6]. - Financial institutions are advised to enhance their information management practices to protect consumer rights and prevent data breaches [6]. User Awareness - Users are encouraged to be cautious about information leakage when using risk monitoring services and to choose platforms that implement encryption and anonymization measures [7].