On November 3rd, 2025, the prestigious Hong Kong FinTech Week x StartmeupHK Entrepreneurship Festival 2025 kicked off in Hong Kong, bringing together top players in the global fintech industry. As a leading global fintech solution provider, Sunline was invited to participate in the core forum — "Global Innovation and Smart China Forum", showcasing the strength and intelligence of Chinese fintech companies to the world.
At the forum, Jacqueline Niu, Vice President of Sunline, was a key speaker at the roundtable discussion on the topic themed “Navigating The Frontiers for Global Markets”, from ‘Scale Expansion’ to ‘Focused Development’: The Path and Practical Blueprint for Global Expansion". Alongside representatives from international financial institutions, investment agencies, and pioneers in cross-border business, Jacqueline shared insights into the challenges and opportunities of global expansion and collaboration, systematically outlining Sunline’s deep exploration and ecological partnerships in its globalization journey.
Building Global Capabilities and Achieving Deep Local Integration
In discussing Sunline’s journey from initial exploration to deep localization in international markets, Jacqueline Niu highlighted that the company’s globalization process has not been without challenges. However, through continuous breakthroughs in product strategy, delivery systems, and organizational talent, Sunline has gradually built a replicable and sustainable global framework.
In the early stages of expansion, Sunline faced significant differences in regulatory requirements, business practices, and user mindsets across different countries. The product initially went through a highly customized phase. To balance the challenges between standardization and localization, Sunline refined its proven domestic systems, creating a layered architecture with a universal core standard layer and a flexible, scalable client layer. This structure, enhanced with AI capabilities and data intelligence frameworks, ensures the core product remains replicable while agilely adapting to the diverse needs of global markets.
Simultaneously, Sunline upgraded its delivery approach. The traditional “on-site heavy delivery” model encountered challenges like high communication costs and difficultyin resource allocation for cross-border projects. To address this, Sunline developed an innovative model combining a centralized delivery center with on-site expert support, standardizing methods and tools for system integration and data migration, which significantly improved both efficiency and control across multinational projects.
The local integration of teams and talent is also a key factor in the success of global expansion. Sunline adheres to the principle of "China-foreign collaboration", leveraging domestic expertise and integrating it with local teams to drive knowledge transfer and co-building. Additionally, the company rapidly established local platforms for administrative, human resources, and taxation teams, ensuring a solid foundation for sustainable local operations.
Creating an Open and Win-Win Local Ecosystem to Share Global Digital Benefits
Regarding the building of local ecosystems, Jacqueline Niu emphasized that for companies to truly establish themselves internationally, they must not operate in isolation. Instead, a sustainable and replicable open ecosystem must be created. She stated, "Sunline’s global expansion proves that this process is not achieved overnight. Companies must adhere to a long-term vision and embrace the ‘open and win-win’ ecosystem philosophy."
Sunline focuses on building ecosystems centered around customer value, with a strategic layout that includes Hong Kong and Singapore as key hubs. This strategy has laid a solid foundation for deepening its expansion and building a global network of collaborations. In recent years, Sunline has built a comprehensive four-dimensional cooperative network covering sales, solutions, implementation, and operations. By partnering with channels, consultants, cloud services, infrastructure providers, and local system integrators, Sunline has achieved full coverage from market access to last-mile delivery, forming a sustainable and replicable win-win model. This open ecosystem ensures the company’s ability to settle in, grow steadily, and move forward..
A Decade of Progress and Success
With over 60 clients in Southeast Asia, including Malaysia, Thailand, and Indonesia, Sunline has demonstrated its strong competitive edge in international markets. The company has become one of the few fintech firms in China to successfully enter overseas markets with a standardized product. As the digital transformation needs of emerging markets such as the Middle East, Africa, and Latin America accelerate, Sunline is actively seizing market opportunities and positioning itself in diverse markets.
From Global Expansion to Rooted Success in the Global Fintech Landscape
In the past decade, Sunline has written a new chapter in the globalization of Chinese fintech. Looking ahead, Sunline will continue to adopt a more open posture, with a more mature system to empower the global financial industry’s digital transformation. Together with partners, Sunline aims to build a more resilient, secure, and intelligent financial ecosystem for the future.
