This forum gathered hundreds of distinguished guests from government departments, financial institutions, tech enterprises, and research universities. Centered on the deep integration and virtuous cycle between technology, industry, and finance, participants shared cutting-edge concepts, practical experiences, and innovative achievements to provide strategic insights for stimulating China’s economic growth. Mr. Pu Yun, CTO of Agree Tech, attended as a roundtable guest to share professional perspectives and practical insights from the field of banking IT solutions.

Figure 1: “The ‘New’ Evolution of Sci-Tech Finance”

The roundtable forum, themed “How Tech-Finance Evolves Toward the ‘New’,” invited corporate representatives and scholars from various industries for a high-level exchange of ideas. As a veteran technical practitioner in banking IT solutions, Mr. Pu Yun drew from his extensive business experience and representative case studies to share his precise judgment and long-term outlook on the development of tech-finance across four key dimensions: Industrial Integration, Service Synergy, Construction & Governance, and Frontier Technology. He also emphasized the vital role of human oversight and regulation in the management of AI technology.

Figure 2: Mr. Pu Yun, CTO of Agree Tech, attended as a guest speaker for the roundtable forum, sharing professional insights and practical expertise from the banking IT solutions sector.

Four Pillars of Strategic Development

• Industrial Integration: Financial institutions must stay ahead of trends in the tech sector. Through enterprise connectivity platforms, banks can integrate financial services into the operational activities of tech firms at the system level. This not only facilitates smoother service delivery but also significantly strengthens risk management.
• Service Synergy: Banking services are shifting from fragmented “point-based” interactions to systemic frameworks, emphasizing both quality and efficiency. Through innovative solutions such as omni-channel services, Cloud Teller, and Cloud Credit, banks are elevating their service standards and operational performance.
• Construction & Governance: In recent years, banks have prioritized independent and controllable (sovereign) distributed and microservices architectures. Innovation in the Channel Middleware (Middle-office) can simplify the inherent complexity of financial product innovation, allowing for faster time-to-market.
• Frontier Technology: The application of e-CNY (Digital RMB) smart contracts, supported by advanced payment systems, ensures more precise and efficient fund utilization. By implementing scenario-based conditions, funds are guaranteed for specific use within the tech sector, while expiration-and-recovery mechanisms prevent capital from sitting idle, maximizing the utility of limited resources for the industry.

Empowering the Future of Banking

As a professional solution provider in the banking technology field, Agree Tech leverages its deep industry accumulation and keen market insight to explore the diverse needs of financial institutions and their clients. By continuously optimizing and innovating banking channel solutions, Agree Tech helps institutions comprehensively enhance customer service quality and achieve precise, efficient service delivery.

Whether in the digital transformation of traditional branches or the expansion and optimization of online channels, Agree Tech provides robust technical support and strategic consultancy through its advanced product suite and professional service teams. This expertise helps financial institutions navigate the era of tech-finance with stability, expanding their business boundaries and enhancing market competitiveness.

Looking Ahead

Agree Tech will continue to uphold its philosophy of innovation-driven development. The company remains committed to tracking frontier trends in tech-finance, increasing R&D investment, and upgrading its banking channel solutions. By further strengthening the bond between financial institutions and their customers, Agree Tech aims to inject continuous vitality into the “New” development of tech-finance, joining hands with industry partners to write the next major chapter in the evolution of the industry.