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].

北京商报讯（记者 廖蒙）手机应用程序违规收集个人信息屡禁难止，又一批App被点名，其中包括卡牛信用管家App。 8月26日，卡牛信用管家App运营主体深圳市卡牛科技有限公司（以下简称"卡牛科技"）回应北京商报记者表示，公司已经接到公安部计算机信息系统安全 产品质量监督检验中心的通知，会在相关工作人员的指导下完成整改，预计在8月26日内提交复测，复测通过后会发布新的App版本。 根据天眼查，深圳随手科技的最终受益人为谷风、徐少春，谷风在深圳随手科技多家关联公司担任职务，徐少春则是金蝶国际软件集团创始人，现任金蝶软 件（中国）有限公司董事长、深圳市金蝶支付科技有限公司董事。当前，卡牛科技的注册地址也位于深圳南山区金蝶软件园。 官网信息显示，卡牛科技成立于2017年，公司业务涵盖智能账单管理、信用卡信息服务、信用科技服务三大板块。北京商报记者进一步查看卡牛信用管家 App了解到，用户可将贷款、信用卡以及生活等三大类型账单导入卡牛信用管家App进行管理。同时，该App内还提供贷款、风险报告等服务。 苏筱芮认为，这类金融相关App过度收集用户信息，可能会将用户信息收集、传输至数量更广的其他贷款平台，不排除后续用户信息被 ...