Following the global impact of ChatGPT, the surge of China’s DeepSeek has once again ignited industry fervor for AI technology. However, as the initial hype subsides, the industry is returning to rationality: technological breakthroughs are merely the starting point; the real challenge lies in translating them into quantifiable and sustainable business value. Amidst this wave, Agree Technology—a FinTech service provider with over two decades of expertise in banking IT solutions—remains clear-sighted: anchoring innovation in financial scenarios and leveraging ecosystem collaboration to drive AI services that cater to specific business needs. This approach provides a practical innovation engine for the “Digital-Intelligent” transformation of the banking sector.

Long before the current AI boom, Agree Technology had already integrated AI applications into banking workflows. Within its core “Cloud Counter” solution, the company conducted extensive exploration into technologies such as Automated Speech Recognition (ASR), Natural Language Processing (NLP), and Text-to-Speech (TTS). This forward-looking strategy laid a solid foundation for the era of Large Models. Rather than engaging in the “parameter race” of general-purpose models, Agree Technology focuses on addressing real-world pain points in banking: from requirements analysis and UI design to operational decision-making, AI is systematically embedded throughout the full transaction lifecycle.

Facing the high capital requirements of Large Model R&D, Agree Technology has adopted a pragmatic path of “Joint Innovation + Independent Optimization.” In banking channels, the company maintains a deep partnership with Tencent Cloud, utilizing the Hunyuan LLM and Ti Platform to accelerate the deployment of scenarios like the Cloud Counter. To meet the stringent security and compliance standards of the financial industry, Agree Technology collaborated with major institutions, including Bank of China and CITIC Bank, to complete the “Research Project on Financial Application Development Aided by IT Application Innovation (ITAI) Heterogeneous AI Chips and LLMs.” This project focused on the deep integration of localized heterogeneous AI hardware and Large Models. The Agree Technology team successfully adapted LLM inference services to Ascend chips and fine-tuned proprietary “Financial Expert Models.” This open ecosystem strategy not only enhances technical compatibility but also accelerates the convergence of AI with financial business logic.

In practice, Agree Technology is redefining industry paradigms across multiple domains:

• Software Development: The Intelligent CodeReview system utilizes deep reasoning to reduce code defect density by 50% and review time by 50%. It also improves problem detection lead time by 80% and standard compliance by 70%.
• Transaction Processing: Intelligent interaction is integrated into workflows such as password resets and contract signing. For remote banking, AI-powered Real-time Quality Inspection (QI) monitors live video feeds to provide early warnings, ensuring “constant compliance.”
• Operations & Maintenance: The company launched a next-generation ChatOps Intelligent O&M Platform. By leveraging logical reasoning, the system provides end-to-end support—from alert analysis to automated solution generation—significantly boosting team responsiveness.

These innovations are not isolated technical showcases; they are centered on the core financial mandates of “Cost Reduction, Efficiency Enhancement, and Risk Control.” Agree Technology employs a hybrid strategy of “Large & Small Model Synergy”: invoking Large Model APIs for general capabilities while training lightweight, proprietary models for vertical scenarios like compliance audits and document Q&A. This minimizes inference costs while ensuring precision. By modularizing AI capabilities, they can be seamlessly embedded into existing solutions like “Cloud Counter” as value-added services or delivered as standalone products, such as Intelligent Document Analysis Systems, achieving a rapid closed-loop between investment and commercial return.

Currently, AI is evolving from a “disruptive innovation” into a “standardized tool,” and bank digitalization is entering “deep water.” With its profound understanding of banking logic and an open, win-win ecosystem, Agree Technology is building a formidable competitive moat. Looking ahead, the company will continue to explore high-value scenarios, optimizing service chains via Multi-Agent architectures, while deepening ITAI (Information Technology Application Innovation) adaptation and open-source contributions. In this AI-driven industrial shift, Agree Technology will continue to lead the deep fusion of finance and technology through solid, scenario-based innovation.