Financial information security is a crucial component of national security, and financial innovation has become one of the earliest fields in China to achieve practical application. Financial innovation has become a core aspect of new infrastructure construction and plays a key role in promoting high-quality economic development. Agree Technology, a financial technology ecological service provider rooted in the local market and committed to independent innovation, is also one of the early technology companies deeply involved in financial innovation. Since the establishment of the Financial Innovation Ecological Laboratory, led by the central bank, Agree Technology has formed a close cooperative relationship with the laboratory and has received high praise for its contributions. The company’s independently developed solutions, including the “Intermediary Business Solution,” “Integrated Monitoring Platform Solution,” and “Unified Platform Project Solution for Self-Service Devices,” have all been included in the first batch of the published “Financial Innovation Solutions (First Batch).” The company’s “Bank Counter System Solution” has also been selected as part of the laboratory’s “Second Phase of Excellent Financial Innovation Solutions.” Furthermore, to systematically promote financial innovation work, Agree Technology has actively joined several authoritative financial innovation working organisations in China, such as the Financial Innovation Working Committee and the Beijing Financial Technology Industry Alliance, to jointly advance the implementation of financial innovation practices.

In the past, China relied significantly on international companies in information technology infrastructure, architecture, products, and services, particularly on traditional IT giants like IBM, Oracle, and EMC. However, with the continuous changes in international political and economic situations, dependence on external technologies poses potential risks to local technological advancement and information security. Against this backdrop, the financial innovation industry has emerged. In the wave of financial innovation, Agree Technology has also actively collaborated with ecological partners to grow alongside the banking industry.

On the one hand, Agree Technology leverages its advantages in technological research and development and innovation, drawing on over 20 years of rich experience in the banking sector and more than a hundred products and solutions with independent intellectual property rights. By continuously increasing R&D investment and enhancing technological innovation capabilities, the company strives to provide banking clients with safer, more efficient, and more convenient financial technology solutions, thus assisting the banking industry in smoothly advancing its financial innovation initiatives. During this process, several of Agree Technology’s financial innovation products have received numerous honours, such as the second prize in the Guangzhou division of the Huawei Kunpeng Competition and the first prize for the omnichannel solution in the Jiangsu division. The Financial Innovation Working Committee’s competition awarded the company the overall integration capability award, and the payment solution received the financial security innovation award. Additionally, it has won the Best Practice Award for Domestic Application Construction from Tencent Cloud and first prize and popularity awards in the “Cloud Best Cases” competition. The company’s smart branch solution also received the Excellent Application Product Award in the financial track at the local Ministry of Industry and Information Technology’s “Dingxin Cup.” In the Photonic Organization Solution Competition, the smart branch solution won third prize in the financial track. These awards reflect the excellence of Agree Technology’s financial innovation solutions and market recognition, providing strong momentum for further developing financial innovation technologies and advancing the industry.

On the other hand, the orderly development of financial innovation relies on the collaborative effect of a healthy ecological industrial chain. The financial innovation industrial chain has gradually formed a complete chain centred on infrastructure, basic software, application software and solutions, and information security through continuous development and evolution. As a financial technology ecological service provider, Agree Technology offers application software and solutions with financial innovation characteristics to banking clients, gaining recognition from numerous authoritative institutions. Several of Agree Technology’s key products have undergone verification and adaptation with upstream manufacturers in the financial innovation industrial chain, such as Huawei, Tongxin, Jushen, Kunpeng, Feiteng, and Zhaoxin, achieving significant results. For example, the “AIC Intelligent Platform” developed in collaboration with Tencent’s AI technology team has been launched in multiple banks, including Jiangnan Bank’s intelligent cloud counter and Tangshan Bank’s digital employee financial evaluation. In collaboration with Tencent’s TRTC production and research team, the jointly developed video service system solution integrates the Tencent video platform and its AVC platform. Moreover, Agree Technology is also exploring the open-source HarmonyOS field, having successfully passed the compatibility assessment for the OpenHarmony·4.0·Release version from the OpenAtom Open Source Foundation with a revolutionary external service processing terminal, bringing a new development direction to the industry’s financial innovation.

In the future, Agree Technology will continue to leverage its advantages, work closely with ecological partners, jointly build a new financial technology ecosystem, and promote the practical implementation of financial innovation in the banking industry, contributing to financial information security and national economic development.