Amid the global wave of digitalization, the banking industry is undergoing a profound and unprecedented transformation. With a nearly 30-year legacy as a banking IT solutions provider, Agree Tech is playing a leading role in the industry’s digital transformation and the field of Financial IT Innovation, fueled by its continuously evolving Smart Branch solutions. As a pioneer in the “Base Software Platform + Solutions” technical roadmap, Agree Tech leverages its deep technological heritage and visionary product strategy to drive a comprehensive upgrade of banking service models.

Currently, Agree Tech has established a robust financial software platform ecosystem, featuring core platforms such as the Financial Channel Platform (AB) and the Financial Business Platform (AFA). Around these frameworks, the company has developed a suite of solutions tailored to the “essential requirements” of banks, covering smart branches, intermediary business, and payment & clearing. As “utility-grade” solutions indispensable for banking expansion, these products—characterized by their counter-cyclical resilience—continue to secure a steady stream of new business orders. Take the Smart Branch solution as an example: as the first domestic firm to introduce a “Teller System” solution, Agree Tech has long maintained its position at the top of the industry. Its omni-channel product ecosystem seamlessly integrates online, offline, terminals, and back-end systems. By utilizing integrated technology, it significantly reduces operational costs and enhances response speeds. The business scenarios are designed for high practicality, offering “Out-of-the-Box” (OOTB) functionality that effectively minimizes secondary development costs. In terms of product formats, Agree Tech offers diversified options including Flagship, Lightweight, Comprehensive, and Unmanned models. Among these, Lightweight branches break spatial and temporal constraints via self-service processing, while Unmanned branches utilize advanced self-service hardware and remote video technology to deliver intelligent services, vigorously pushing the banking sector toward smart and autonomous operations.

These exceptional products have earned high market recognition and positive feedback. To date, Agree Tech has served over 200 banking clients, with the top 30 clients maintaining an average partnership of over 10 years. According to the latest CCID Consulting Report (2024), Agree Tech has been a “Leader” in the Chinese banking IT solution market for several consecutive years. It ranks first in the Smart Branch and Intermediary Business (traditional category) markets, third in Payment & Clearing, and fourth in Remote Banking. Its Smart Branch solutions are extensively deployed across major state-owned banks, national joint-stock banks, and provincial rural credit cooperatives, and have earned prestigious accolades such as the IDC Smart Branch Technology Application Scenario Innovation Award.

The foundation of this market success lies in Agree Tech’s robust technical architecture and ecosystem synergy. The Smart Branch solution deeply integrates cloud computing, big data, and AI to achieve seamless online-offline business collaboration and unified risk control, thereby reducing management overhead. Its distributed architecture and microservices-based design further enhance system stability and scalability, providing a solid technical bedrock for business growth. On the ecosystem level, Agree Tech collaborates with industry giants such as Tencent, Huawei, and Alibaba to build a FinTech ecosystem, driving the implementation of Financial IT Innovation. Through innovative models like Open Banking and Industry-Finance Integration platforms, it accelerates the digital transformation journey for banks.

Looking ahead, as fintech continues to thrive, the trends toward intelligent, unmanned, and omni-channel banking are becoming more pronounced. Agree Tech will remain driven by technological innovation, constantly optimizing its core solutions. By deepening its presence in fields such as Smart Branches, Open Banking, and Industry-Finance platforms, Agree Tech aims to inject new momentum into the financial industry’s digital transformation. We are committed to providing customers with more convenient, efficient, and secure financial services, leading the comprehensive upgrade of banking services and solidifying the foundation for sustainable business growth.