The Outline of the Development Plan for the Guangdong Hong Kong Macao Greater Bay Area proposes that Macao should promote moderate and diversified economic development, among which the modern financial industry is one of the four key industrial sectors for development. Under this guidance, the banking industry in Macau has made positive progress in diversified services, asset size, financial regulation, and other aspects. Financial cooperation with mainland China and Hong Kong has become increasingly close, and credit business has shown strong growth momentum. In the process of financial business development, the drawbacks of personal credit data being unable to be shared among commercial banks have gradually been exposed, posing risks and hidden dangers to the long-term development of Macau's financial business. To this end, the credit management department of the M...

The tightening of payment regulatory policies, intensive development of enterprises, and rising competitive pressure have led to a relatively rapid change in the external environment today. In addition, with mobile payments becoming mainstream, merchant financial scenarios are gradually becoming more complex and diversified, and marketing needs are increasing. Faced with the "aggressive" trend of the market, many enterprises are complaining. Different enterprises face different "troubles", what do they say?   Our offline financial scene is complex, so there are many business systems, but it is difficult to reuse the payment functions built; Our industry has a special nature, T+0 is no longer sufficient, and liquidation must be completed within D+0 days; We are a cross-border e-commerce company with a relatively long funding cycle for orders, but we need to settle them accor...

In order to maintain the stability of Macau's currency and financial system and meet the related business of issuing Macau dollar financial bills, the first phase of the Monetary Bills and Notes Trading System (MTS) was officially launched on December 11th and successfully connected to 34 financial institutions. Starting from March 2023, Yanlian Computing, a subsidiary of Yinyan Technology Service Group, participated in the construction of the project. With more than 20 years of rich industry experience in the field of financial technology, it assisted relevant departments in Macau in planning automated trading methods and clearing processes in the system, helping the Macau Monetary Authority build a new MTS system, strengthening local capital flow, and promoting the efficient use of diversified currency market tools among peers, providing services and product...

As an international free port, Macau enjoys a free and open economic and trade environment, free currency exchange, efficient financial regulation, and a close connection between its legal system and the global capital market. In the process of innovating finance, the Macau government has focused on building various financial asset trading platforms, promoting the service of the bond market and financing leasing market, and forming a mismatch with the Shenzhen Stock Exchange and Hong Kong Stock Exchange in the Greater Bay Area, forming its own unique advantages. The Macau Renminbi Real Time Settlement System (RTGS) is an important platform for promoting the prosperity and development of financial activities in Macau. Since its development, it has continuously assisted in the real-time settlement of local interbank RMB payments and cross-border RMB payment...

There is consumption, there is payment. With the development of emerging technologies and the growth of the digital economy, payment, as the most common financial behavior in daily consumer life, tends to integrate online and offline, entering the era of "zero contact". By utilizing the power of digital technology, fast and convenient payments can be achieved, which not only benefits the people but also effectively promotes the growth of retail consumption. In order to better support the local retail industry in Macau and optimize payment efficiency, Yinyan Technology's Macau Guoshuiyi FPS (Phase II) was officially launched in September 2023, adding more business functions on top of Phase I. Our company has also been awarded the "2021 Shenzhen Financial Innovation Award" by the Shenzhen Local Financial Supervision and Administration Bureau for this project (P...

CSMM certification, also known as "Software Capability Maturity Model Certification", is the first national standard certification for software capability maturity models led by the China Electronics Technology Standardization Research Institute, a subsidiary of the Ministry of Industry and Information Technology. The CSMM standard draws on standard model frameworks such as GB/T 8566, Scrum, DevOps, ISO15504, COBIT, ITIL, CMMI, etc., inherits the system engineering management theory that covers the entire software lifecycle, and innovatively combines the national conditions and characteristics of Chinese software enterprises, which can effectively guide Chinese software enterprises to build and strengthen software capacity building. In the context of promoting the nationalization of information and innovation, it has profound strategic sig...