Jiangrongxin Technology

About Jiangrongxin Technology

Established in May 2014, Jiangrongxin Technology, also known as Rivere Tech, operates as a specialized financial technology company headquartered in Beijing, China. The firm focuses on providing comprehensive solutions for commercial bank credit cards and retail credit systems. The company's legal representative is Jianhe Hua.

Jiangrongxin Technology serves a clientele that includes dozens of large and small banks, credit card companies, and consumer finance institutions primarily within China. The company has a significant domestic presence with branch offices in key cities such as Shanghai, Shenzhen, Chengdu, and Tianjin. With a workforce of over 600 employees, the team is composed of professionals from top-tier internet companies and financial institutions.

The core of its business is the development and implementation of software for consumer financial services. Its flagship product is a credit card core system designed to help card issuers manage cardholder credit and incentives. This system supports a wide range of retail businesses, including credit payments, various installment plans, and cash businesses. A key feature is its ability to provide demand-based credit granting and scene-based usage, built around a "customer-centric" credit limit system. Additionally, the company offers a marketing platform that makes purchase recommendations and tracks user retention. It provides services for building new credit card systems from the ground up and upgrading existing ones to open-platform models.

The company's business model integrates banking business consulting, system implementation, and operational services based on its proprietary digital credit card products. It positions itself as a "Digital Credit Card Technology Operation Service Provider". In August 2019, Jiangrongxin Technology secured $43.6 million in a Series B venture capital funding round. Investors include notable firms such as Legend Capital, Panda Capital Asia, and Hundsun Technologies.