In the wave of digitalisation, the rapid advancement of information technology has not only reshaped the operations of banks but also triggered profound changes in customer demands. As an important bridge between banks and customers, the transformation of branch services has become a focal point of continuous attention in the banking industry. In this era of constant change, banks are gradually shifting from ‘product-oriented banks’ to ‘service-oriented banks.’

Today’s bank branches are actively embracing the trends of lightweight, digital, and intelligent transformation to meet customer needs more flexibly, conveniently, and efficiently. Banks can better understand customer behaviours and needs through precise data analysis, providing personalised services. Meanwhile, intelligent devices and applications make bank branches smarter, offering customers a higher-quality experience. Against this backdrop, Agree Technology combines its over 20 years of practical experience in the channel field to develop its own financial lightweight terminal products, helping the banking industry break channel boundaries and achieve business transformation. With the continuous enrichment of Agree Technology’s partner ecosystem, the financial lightweight terminal has already achieved compatibility with the open-source OpenHarmony, continuously exploring more innovative application scenarios to meet the diverse service requirements of customers.

Breaking Channel Boundaries to Assist Channel Business Transformation

In the mobile era, as the lightweight transformation of branches continues to advance, the widespread adoption of mobile devices in branches brings new possibilities for operational concepts. However, current issues in bank branches include a variety of devices and the simultaneous use of different technological platforms and applications, leading to fragmented and inefficient customer service processes.

In this context, Agree Technology’s financial lightweight terminal utilizes edge computing and IoT technologies to create an access platform that includes numerous devices such as financial peripherals and equipment management. It provides a unified usage method based on microservice calls, transforming bank branch financial peripherals into intelligent devices and achieving a breakthrough in hardware behavior softwareization.

The financial lightweight terminal primarily consists of the Beepad Pro professional tablet and the Bee Dock base. Beepad Pro can be used as a traditional mobile tablet in bank halls, connecting magnetically with Bee Dock. Through ADaaS services, when Beepad Pro connects to the Bee Dock device, they can transform into a traditional counter terminal, achieving multi-use and flexible role switching for tellers.

ADaas- Product Structure Diagram

Through lightweight terminal devices, we achieve unified channels for all branches, flexible business switching, and seamless handoff, allowing branch service personnel to transition from ‘stationary merchants’ to ‘mobile merchants,’ promoting the mobility and boundary-less transformation of branch services. Furthermore, we break down the ‘two walls’ between branch services and customer marketing, enabling seamless transitions from in-branch service to customer marketing both inside and outside the branch, enhancing the customer financial service experience.

The introduction of financial lightweight terminals offers financial institutions more innovative opportunities. The flexibility of the terminals allows financial institutions to quickly launch new products and services to meet the ever-changing needs of customers. This flexibility and innovation capability are key to maintaining competitiveness in the financial industry. Additionally, Agree Technology’s financial lightweight terminal devices have successfully adapted to the open-source OpenHarmony system and obtained the OpenHarmony ecosystem product compatibility certificate in June. Moving forward, we will continue to create more new innovative scenarios based on the interconnectivity features of OpenHarmony Connect, linking Harmony Smart Screens and Harmony Robots, fully utilizing the new characteristics of information flow and multi-device interconnectivity to build a more user-friendly and warm future branch service.

Adhering to Independent Research and Development, Supporting the Construction of the Xinchuang Ecosystem

Currently, the Xinchuang work in bank branches is in full swing, but traditional Xinchuang branch construction is often limited to parallel replacements of systems/applications. Agree Technology insists on independent research and development, providing a comprehensive Xinchuang solution covering hardware, systems, applications, and service models, enabling banks to better grasp the direction and development of technology.

In terms of security and flexibility, both the Beepad Pro and Bee Dock are equipped with national secret security chips, ensuring data security. Given the critical importance of financial data security in the financial industry, this is a vital measure. Additionally, it is compatible with various domestic chips, providing high flexibility and scalability. This allows financial institutions to choose hardware platforms that suit their needs without worrying about compatibility issues.

The peripheral connection capabilities of the financial lightweight terminal are particularly outstanding. Bee Dock itself is equipped with ADaaS (Device as a Service) control, providing unified peripheral service capabilities through microservices. It supports various peripheral devices and covers 99% of counter peripherals, including printers, scanners, cameras, etc. This makes it easier and more widespread for mobile devices to access financial peripherals, allowing more business to be mobile and providing financial institutions with more options and integration possibilities. Financial institutions are no longer limited to specific peripheral devices and can choose suitable peripherals based on their needs, improving work efficiency.

The application of financial lightweight terminals will further broaden the scope of financial services, providing more possibilities for achieving deeper and broader financial services. Moreover, the financial lightweight terminal not only meets the needs of financial service branches but can also be extended to other window service enterprises, thus having broad application prospects. Agree Technology looks forward to collaborating with more ecological partners to build secure and flexible financial lightweight terminals and actively participate in the construction of the Xinchuang ecosystem, contributing to the advancement of the industry.