Core Viewpoint - Tianyang Technology's credit card solution is a modern payment system that has received international certifications such as PCIDSS, making it particularly suitable for regional banks in emerging markets like Southeast Asia and the Middle East. The company's strategy includes expanding its credit card services internationally [2]. Group 1 - The credit card solution is designed to meet the needs of regional banks in emerging markets [2]. - The system has passed international certifications, ensuring its reliability and security [2]. - The company's established strategy focuses on international expansion of its credit card services [2].

Group 1 - The core viewpoint of the article highlights Tianyang Technology's leadership position in the credit card market, as reported by CCID Consulting in the "2024 China Banking IT Solutions Market Analysis Report" [1] - The company has maintained its position as the number one provider of credit card solutions for six consecutive years [1] - In the market risk sector, the company also ranks first, indicating its strong presence in this area [1] Group 2 - The credit card solution offered by the company is described as a modern payment system that includes functions such as card issuance, acquiring, payment, clearing, and settlement [1]

Group 1 - Tianyang Technology is planning to acquire a stake in Tonglian Financial Services through cash payment, aiming for strategic cooperation due to complementary strengths in credit card and consumer finance systems [2][3] - The collaboration is expected to enhance service capabilities and market reach, particularly extending Tianyang's services to more small and medium-sized banks, while Tonglian can improve its system architecture and performance [4][5] - The investment will create a differentiated technical advantage and efficient service system in the credit card and consumer finance service sectors, reinforcing Tianyang's competitive position [3][6] Group 2 - Tianyang Technology reported a revenue of 487 million yuan for Q1 2025, a slight decrease of 0.19% year-on-year, with a significant drop in net profit by 71.88% to approximately 25.6 million yuan, attributed to a challenging banking environment [7] - The credit card and consumer finance markets are experiencing rapid growth, driven by changing consumer payment habits and increasing demand for efficient payment solutions [8] - The competitive landscape in retail finance is diversifying, with traditional banks, consumer finance companies, and fintech platforms all vying for market share, necessitating a focus on technology, risk management, and personalized services [8]

Group 1 - The company has engaged in discussions regarding cooperation with central banks, commercial banks, and licensed institutions related to digital currency and stablecoin systems, including wallets and compliance monitoring [1] - The company possesses relevant technical reserves for China's Cross-Border Interbank Payment System (CIPS) and has participated in projects with the People's Bank of China and domestic commercial banks to ensure efficient and secure system operations [1] - The company's credit card solutions align with stablecoin payment scenarios and have been expanded into markets in Southeast Asia and Central Asia, leveraging its fintech advantages to explore and implement related scenarios in regions friendly to digital currencies [1]