With the rapid development of financial technology, the banking industry faces unprecedented challenges and opportunities. Recently, Agree Technology, leveraging its years of deep cultivation in the branch counter sector and its highly innovative smart branch solutions, successfully won contracts for smart branch projects with multiple banks, injecting new vitality into banking services. This solution optimises the interaction model between banks and customers. It significantly enhances the service efficiency and customer experience at bank branches, gaining widespread recognition from clients in past market practices.

Product diagram

The smart branch solution is an integrated software solution launched by Agree Technology for various offline channels at bank branches. This solution represents a transformation and practice of concepts, strategies, and processes. By utilising new financial technologies such as cloud computing, big data, and artificial intelligence, coupled with the innovative ecological support provided by information technology, it integrates counter services, self-service, mobile services, and backend systems to help banks achieve technological upgrades, backend integration, innovative applications, and big data applications, making banks ‘smart’ enough. Ultimately, it enables refined management of bank branches, business risk control, and the integration of customer service scenarios, providing customers with financial services anytime, anywhere, and with ease.

The advantages of the smart branch solution lie in its unique business architecture. The system provides eight core capability centres and ten tools that support the operation of offline channel systems and can quickly build applications for offline channels. Based on a unified CPV architecture, it accumulates many public modules through the P-end for use by offline channel systems and online channels. The channel collaboration system achieves business collaboration between online and offline channels and among offline channel systems. The unified operational control capability centrally manages and controls key nodes that arise during the operational lifecycle of transactions at the channel end, thereby achieving unified risk control and reducing management costs.

The smart branch solution has achieved significant results in practical applications. It has collaborated extensively with various banks, undertaking smart branch projects in state-owned major banks, national joint-stock banks, provincial rural credit cooperatives, rural commercial banks, city commercial banks, and foreign banks, with over 200 client partnerships. In authoritative market analysis reports, Agree Technology has consistently maintained the number one market share in the smart branch sector over the years.

Additionally, the smart branch solution has received multiple honours and recognitions. It has passed evaluations by the Financial Innovation Ecological Laboratory and has become a fixed evaluation scenario, cooperating with hardware and software vendors for adaptation. Furthermore, the smart branch system has been evaluated by the China National Software Testing Center and can be promoted as an independently innovative product. The smart branch solution has been certified as an independently innovative product through the Suzhou Prism Seven-color Code Autonomous Rate Detection. It has undergone deep adaptation with Kunpeng servers, achieving Kunpeng Validated certification, with performance improvements of 30% to 50% in multiple transaction scenarios compared to traditional solutions.

In summary, Agree Technology’s smart branch solution, with its unique business architecture, technological advantages, and market recognition, empowers the banking industry’s digital transformation. It not only brings higher service efficiency and better customer experience to banks but also paves the way for the future development of the banking sector. As the smart branch solution is implemented in more financial institutions, we have every reason to believe it will continue to drive innovation and development in the banking industry, creating a new model for future banking customer service.