据介绍，此一体机全面适配多种大模型，涵盖通用模型和精调模型。金融机构可根据自身业务需求，选择平安精调模型进行定制化优化，以更 好地契合业务场景。同时，金融壹账通提供一整套应用工具链，预置金融行业优质应用场景，有助于提升技术落地效率和应用效果，增强金融 机构对新技术的适应能力。 目前，该一体机已内置多个大模型应用场景，在金融行业多个业务领域发挥作用。智能知识问答助手支持多种文档格式对话交互，实现内容溯 源，助力企业员工快速检索和处理知识；智能坐席辅助系统能深度理解客户意图，提供流程导航和知识提醒，提升坐席人员工作效率；在理财 顾问领域，智能系统辅助财富管理顾问进行客户需求分析、产品推荐和个性化配置，提高服务精准度；智能报告生成系统通过对接知识库，自 动生成报告，大幅提升撰写效率和分析能力。 金融壹账通此次推出"大模型一体机"方案，是其深化人工智能领域布局的重要一步。此前，公司已发布自主研发的智能体平台，并接入 DeepSeek、通义千问等开源大模型，推出面向银行业的全场景AI解决方案。 据悉，金融壹账通"大模型一体机"将算力、模型、工具链和应用场景进行深度整合。该方案具备小投入、低门槛及私有化部署优势，且支持开 ...

【环球网财经综合报道】随着开源大模型如DeepSeek的兴起，金融业，尤其是银行业正站在智能化的 风口浪尖上。3月21日，金融壹账通在广州举办的"大模型驱动，智启银行未来"研讨会，无疑为这一趋 势加了一把火。 目前，银行业对智能体的应用仍处于探索阶段。早在不久之前，金融壹账通就发布自主研发的智能体平 台，并接入DeepSeek、通义千问等开源大模型，推出面向银行业的全场景AI解决方案。该方案采用"开 源大模型+智能体平台"双引擎驱动模式，充分发挥开源大模型的通用能力，并结合银行业务特点进行 优化训练，使其在银行业务场景下的语义理解、逻辑推理、多轮交互等方面具备更强适应性。金融壹账 通"智能体平台"已涵盖Agent智能体、Workflow工作流、Plug-in插件库、RAG知识检索四大核心模块， 令企业报告自动生成的撰写效率提升 2.5 倍、智能审单的审核时长缩短 2/3、BI分析环节的数据查询速 度提升 5 倍、客服辅助的客户进线平均服务时效提升20%，全面提升银行业的智能化运营能力。（陈十 一） 平安科技的风控产品总监吴文哲则从大模型在风控领域的应用入手，揭示了其巨大的潜力。他表示，大 模型能够显著提升金融 ...

金融壹账通方面介绍，此次通过检测的智能认证产品，依托平安集团海量数据及领先的算法能力，结合 了设备安全检测、证件核验、人脸识别及比对等先进技术，打造了一个安全可信的在线人、证验真服务 解决方案。该产品已广泛应用于金融理财购买、交易合同签署、线上贷款核身、刷脸支付/取款等多个 场景，不仅降低了机构客户的人工审核成本，还显著提升了风险管控能力。 金融壹账通AI团队智能认证产品通过BCTC测试 【环球网财经综合报道】环球网财经从金融壹账通获悉，近日，金融壹账通加马事业部AI团队的智能 认证产品成功通过了金融行业国家级权威检测机构——银行卡检测中心（BCTC）的技术检测。 据悉，银行卡检测中心是经中国人民银行批准成立的国家级检测机构，被誉为全球生物识别检测领域 的"技术质检总局"。其旗下的生物实验室不仅获得了FIDO联盟授权，成为国内唯一一家FIDO授权机 构，还同时拥有CNAS、CMA授权的ISO 30107检测实验室资质。凭借丰富的检测经验，该实验室已完 成了多家知名企业累计超200款人脸产品的检测。 在降本提效方面，该智能认证产品已服务于国内某知名金融集团的身份认证场景，累计调用量近百亿 次，平均节约了50%的 ...

金融壹账通AI智能认证通过国家级检测 重磅推出 DeepFake深伪攻击防御策略 近日,金融壹账通加马事业部AI团队的智能认证产品通过金融行业国家级权威检测机构——银行卡检测 中心(BCTC)的技术检测。作为国际公认最严格的技术安全性认证之一,其基于ISO 30107-3技术标准,进行 包括真人误拒率以及呈现攻击测试。在此次测试中,智能认证产品在识别准确率、反欺诈能力等关键指 标上表现优异。取得这一成果,意味着金融壹账通的智能认证产品的识别准确率、反欺诈等相关技术指 标已处于行业领先水平。 另外,为了应对近来日趋泛滥的deepfake深伪攻击及团伙欺诈,AI团队依托平安集团领先的AI算法能力,结 合丰富的金融全领域业务风控经验,重磅推出了DeepFake深伪攻击防御策略,其依托综合业务策略平台,基 于事前、事中及事后全业务流程,从设备安全(混淆加固/设备风控等)、活体对抗(PS攻击/高清电子屏攻击 等)、视觉风控(人脸聚合/环境分析等)、地理位置校验(位置核验/GPS聚类等)多维手段来保障业务安全, 进而科学识别并预警潜在风险。 银行卡检测中心是经中国人民银行批准成立的国家级检测机构,也是全球生物识别检测领域 ...

金融壹账通2024年实现持续经营业务收入22.48亿元 第三方客户收入占比41.9% 3月18日，金融壹账通公布截至2024年未经审计业绩报告。数据显示，金融壹账通全年持续经营业 务收入为人民币22.48亿元，非国际财务报告准则毛利率为38.2%；全年持续经营业务第三方客户收入占 比为41.9%。 对于持续经营业务收入下降的原因，金融壹账通表示，主要原因为专注于高价值产品，且从2024年 7月起逐步终止云服务，导致对收入组合作出策略调整。 "业务+技术"模式是金融壹账通的主要竞争优势，也是持续赢得新业务并与客户深化合作的驱动 力。业绩报告显示，自成立以来，中国100%的大型银行和股份制银行、99%的城市商业银行、65%的财 产险公司以及48%的人身险公司已使用金融壹账通至少一种产品。 金融壹账通在业绩报中披露了数字化银行、数字化保险、加马平台三大业务板块的经营情况。 数字化银行板块，数字化零售、数字化信贷、数字化经营解决方案进一步丰富应用场景。数据显 示，有关产品将客户的AUM（资产管理规模）提高超过20%，商机触达率提升2至3倍，并带动私人银 行客户数量增长38%。 数字化保险板块，金融壹账通的解决方案将保 ...

Financial Performance - For the fiscal year ending December 31, 2024, the revenue from continuing operations was RMB 2,248.1 million, a decrease of 36.2% compared to RMB 3,521.6 million for the fiscal year ending December 31, 2023[6]. - The net loss attributable to owners from continuing operations was RMB 669.2 million, compared to a net loss of RMB 211.3 million for the fiscal year ending December 31, 2023, resulting in a net profit margin of -29.8%[6]. - The company reported a non-IFRS gross profit margin of 38.2% for the fiscal year ending December 31, 2024, down from 40.4% in the previous year[6]. - The gross profit for the year ended December 31, 2024, was RMB 804.5 million, representing a gross margin of approximately 35.7%, down from RMB 1,326.0 million in 2023[83]. - The company incurred an operating loss of RMB 303.5 million for the year ended December 31, 2024, compared to an operating loss of RMB 217.3 million in 2023[83]. - The net loss attributable to owners of the company for the year ended December 31, 2024, was RMB 459.7 million, compared to a net loss of RMB 362.7 million in 2023[84]. Revenue Breakdown - Revenue from Ping An Group and Lufax was RMB 1,307.1 million, a decline of 44.6% from RMB 2,360.1 million in the previous year[8]. - Revenue from third-party customers was RMB 941.0 million, down 19.0% from RMB 1,161.5 million in the previous year[8]. - The cloud services platform revenue dropped significantly by 50.4%, from RMB 1,245.9 million in 2023 to RMB 618.1 million in 2024[37]. - The company’s revenue from risk management services decreased by 22.7%, from RMB 320.5 million in 2023 to RMB 247.8 million in 2024[37]. - Revenue from implementation services decreased by 20.4% from RMB 834.6 million in 2023 to RMB 664.1 million in 2024, primarily due to reduced demand for financial service systems in China[38]. Expenses and Costs - Research and development expenses decreased by 46.5% from RMB 955.2 million in 2023 to RMB 510.9 million in 2024, mainly due to reduced labor costs and a more investment-oriented approach to managing R&D projects[41]. - Sales and marketing expenses fell by 26.6% from RMB 241.6 million in 2023 to RMB 177.3 million in 2024, primarily due to lower labor and advertising costs as sales efficiency improved[42]. - General and administrative expenses decreased by 18.7% from RMB 375.1 million in 2023 to RMB 305.1 million in 2024, mainly due to reduced labor and workplace costs[43]. Cash Flow and Assets - The net cash used in operating activities for the year ended December 31, 2024, was RMB 276.8 million, compared to RMB 648.5 million for the same period in 2023[63]. - As of December 31, 2024, cash and cash equivalents amounted to RMB 1,947.9 million, an increase from RMB 1,379.5 million as of December 31, 2023[65]. - The total assets as of December 31, 2023, amounted to RMB 8,068,358 thousand, while total assets for December 31, 2024, are projected to be RMB 3,967,252 thousand, reflecting a significant reduction[111][112]. Strategic Initiatives - The company aims to reduce revenue concentration from the Ping An Group while expanding its technology solutions and digital infrastructure for a broader range of financial institutions[17]. - The company plans to invest in research and development, commercial expertise, and customer insights to expand its customer base and promote third-party revenue growth in the long term[35]. - The company has expanded its overseas business to 20 countries and regions, covering up to 197 clients as of December 31, 2024[30]. Market and Product Development - The digital retail solution has enhanced overall digital capabilities for banks, improving customer service and operational efficiency[19]. - The AI-driven mortgage solution "Jin Jie Ying" has increased customer manager productivity by approximately six times and reduced loan approval time to about one day[24]. - The company has made significant progress in product upgrades and iterations, focusing on enhancing customer experience and application effectiveness in 2024[23]. Impairments and Financial Adjustments - The company recorded a goodwill impairment of RMB 131.9 million in 2024, reflecting the impact of the decision to gradually terminate cloud services and challenging macroeconomic conditions[47]. - The pre-tax discount rate increased from 19.73% in 2023 to 21.54% in 2024, reflecting increased company-specific risk premiums and other factors[54]. - The company reported a deferred tax expense of RMB (455,368,000) for 2024, primarily due to the reversal of deferred tax assets, compared to a tax expense of RMB (9,762,000) in 2023[127]. Employee and Organizational Changes - The company had a total of 1,937 employees as of December 31, 2024, with the majority (1,226) in research and development[80]. - Employee benefits expenses for the year ended December 31, 2024, were RMB 929.0 million, primarily consisting of salaries and other benefits[80]. - The company has implemented a share incentive plan since November 2017, which has been revised periodically[81]. Regulatory and Reporting Standards - The consolidated financial statements are prepared in accordance with International Financial Reporting Standards (IFRS) and based on historical cost[101]. - The group adopted new and revised standards effective from January 1, 2024, with no significant impact on prior periods or expected future periods[102].

Revenue Performance - Revenue from continuing operations for Q4 2024 was RMB 415 million, down from RMB 882 million in the same period last year, representing a decline of 53%[11] - Full-year revenue from continuing operations was RMB 2,248 million, down from RMB 3,522 million year-over-year, a decrease of 36.3%[11] - Total revenue for Q4 2024 was RMB 415 million, a decrease of 52.9% compared to RMB 882 million in Q4 2023, primarily due to a significant drop in cloud service platform revenue[17] - Revenue from the digital banking segment in Q4 2024 was RMB 92 million, down 62.7% from RMB 247 million in Q4 2023, attributed to reduced transaction volumes in customer acquisition and risk management services[16] - Revenue from the digital insurance segment remained stable at RMB 141 million in Q4 2024, a slight increase of 0.2% compared to RMB 141 million in Q4 2023[16] - Revenue from the Gama platform segment in Q4 2024 was RMB 182 million, a decrease of 63.2% from RMB 494 million in Q4 2023, mainly due to the strategic phase-out of cloud services[16] - The company’s total revenue for the fiscal year 2024 was RMB 2.25 billion, down 36.2% from RMB 3.52 billion in fiscal year 2023[15] - Revenue for the three months ended December 31, 2024, was RMB 415,227 thousand, a decrease of 53% compared to RMB 881,899 thousand in the same period of 2023[33] - The company’s total revenue for the full year 2024 was RMB 2,248,103 thousand, a decline of 36% from RMB 3,521,591 thousand in 2023[33] Profitability and Losses - Gross margin for continuing operations was 34.2%, compared to 39.0% in the same period last year[11] - Full-year gross margin for continuing operations was 35.8%, down from 37.7% in the previous year[11] - The net loss attributable to owners from continuing operations was RMB 669 million, compared to RMB 211 million in the previous year, indicating a significant increase in losses[11] - The net loss margin attributable to owners from continuing operations was -29.8%, worsening from -6.0% year-over-year[11] - Basic and diluted loss per American Depositary Share for continuing operations was RMB -18.42, compared to RMB -5.82 in the previous year[11] - The net loss attributable to the company's owners for continuing operations was RMB 569.2 million in Q4 2024, compared to a loss of RMB 46.9 million in Q4 2023[19] - The company reported a basic and diluted loss per American Depositary Share of RMB 15.67 for Q4 2024, compared to RMB 1.29 in Q4 2023[19] - The net loss attributable to owners of the company for the full year 2024 was RMB 459,677 thousand, compared to a loss of RMB 362,715 thousand in 2023[34] - Total comprehensive loss for the three months ended December 31, 2024, was RMB 538,026 thousand, compared to a loss of RMB 106,697 thousand in the same period of 2023[34] - The company recorded a basic and diluted loss per American depositary share of RMB (15.67) for the three months ended December 31, 2024, compared to RMB (1.29) in the same period of 2023, indicating a substantial increase in losses[35] Operating Expenses - Operating loss for Q4 2024 was RMB 147.7 million, compared to an operating loss of RMB 45.1 million in Q4 2023[19] - In Q4 2024, the total operating expenses for continuing operations amounted to RMB 165 million, down from RMB 391 million in the same period last year, representing a decrease of 4.6 percentage points in the expense-to-revenue ratio to 39.7%[20] - The operating loss for continuing operations in Q4 2024 was RMB 148 million, compared to RMB 45 million in the same period last year, resulting in an operating profit margin of -35.6%, down from -5.1% year-over-year[21] - Research and development expenses for continuing operations in Q4 2024 were RMB 41 million, down from RMB 197 million year-over-year, with the R&D expense ratio decreasing from 22.3% to 10.0%[20] - Sales and marketing expenses for continuing operations in Q4 2024 were RMB 39 million, down from RMB 59 million in the same period last year, with the expense ratio increasing from 6.7% to 9.4%[25] - General and administrative expenses for continuing operations in Q4 2024 were RMB 84 million, down from RMB 134 million year-over-year, with the expense ratio increasing from 15.2% to 20.3%[25] - The company’s administrative expenses for the year 2024 were RMB 305,110 thousand, a decrease of 19% compared to RMB 375,128 thousand in 2023[33] Cash Flow and Financial Position - Cash flow from operating activities in Q4 2024 was RMB 55 million, while cash flow from investing activities was RMB 260 million, and cash used in financing activities was RMB 46 million[23] - The net cash used in operating activities for the year ended December 31, 2024, was RMB (276,849) thousand, compared to RMB (648,461) thousand in 2023, showing an improvement in cash flow[42] - The company reported a net cash inflow from investing activities of RMB 1,106,256 thousand for the year ended December 31, 2024, compared to an inflow of RMB 318,634 thousand in 2023, indicating a significant increase in investment cash flow[42] - The total assets decreased from RMB 8,068,358 thousand in 2023 to RMB 3,967,252 thousand in 2024, indicating a reduction of approximately 50.8%[38] - The cash and cash equivalents increased from RMB 1,379,473 thousand in 2023 to RMB 1,947,922 thousand in 2024, reflecting a growth of about 41.3%[42] - The total liabilities decreased from RMB 5,120,566 thousand in 2023 to RMB 1,463,309 thousand in 2024, a reduction of approximately 71.5%[40] - The total equity attributable to the owners of the company decreased from RMB 2,966,771 thousand in 2023 to RMB 2,558,452 thousand in 2024, a decline of approximately 13.8%[40] Strategic Initiatives - The company completed the sale of its virtual banking business to Lufax Holding Ltd. for HKD 933 million on April 2, 2024[11] - The company has established long-term partnerships with financial institutions to support their digital transformation needs and has successfully exported technology solutions to overseas financial institutions[26] - The company is focused on adjusting its business structure and adopting a return-on-investment-oriented approach to R&D project management[20] - The company is actively expanding its services to other participants in the value chain to support the digital transformation of the financial services ecosystem[26]

Core Viewpoint - Financial One Account (金融壹账通) is undergoing significant management changes, including the appointment of Chen Dangyang as the Party Secretary, which may influence the company's strategic direction and operations [1][3]. Management Changes - Chen Dangyang, previously the Assistant General Manager and Chief Technology Officer at Ping An Property & Casualty Insurance, has been appointed as the Party Secretary of Financial One Account as of the end of December 2024 [1][3]. - The current management team includes Chairman and CEO Shen Chongfeng, General Manager Tang Xiao, Assistant General Manager Bi Wei, Chief Technology Officer Li Jie, and Chief Financial Officer Lin Rubo [1][3]. - Tang Xiao officially took office as General Manager on October 10, 2023, bringing over 20 years of experience in the banking and financial technology sectors [2][4]. Financial Performance - In the third quarter of 2024, Financial One Account reported revenue of 417 million yuan from its ongoing operations, excluding virtual banking business [5]. - The net loss attributable to shareholders decreased from 51 million yuan in the same period last year to 30 million yuan, representing a year-on-year reduction of 41.9% [5].

Financial Data and Key Metrics Changes - The net loss from continuing operations attributable to shareholders improved to RMB30 million from RMB51 million year-on-year, a decrease of 41.9% [11] - Revenue for Q3 2024 was RMB417 million, a decrease of 48.3% compared to the same period last year, primarily due to the strategic decision to phase out the cloud service business [42] - Gross margin of continuing operations was 32.7%, down from 36% in the prior year, mainly due to reduced economies of scale [44] - Net profit for the period attributable to shareholders was RMB110 million, compared to a net loss of RMB281 million in the same period last year [45] Business Line Data and Key Metrics Changes - Revenue generated from third-party customers decreased by 12.4% to RMB236 million in Q3 2024, but revenue from overseas third-party customers increased by 23.4% year-on-year [43] - R&D expenses from continuing operations were RMB70 million, down from RMB230 million year-on-year, reflecting a proactive adjustment of business structure [46] - Sales and marketing expenses from continuing operations decreased to RMB46 million from RMB66 million year-on-year, indicating enhanced sales efficiency [47] Market Data and Key Metrics Changes - The Southeast Asian region has become a strong growth engine, with significant revenue growth from overseas customers [33] - The company has established strategic cooperation with leading foreign banks operating in China, enhancing its market presence [24] Company Strategy and Development Direction - The company is focusing on product upgrades, customer expansion, and overseas market growth, particularly in digital banking, digital insurance, and the Gamma platform [13][15] - OneConnect aims to empower financial institutions to achieve digital transformation and improve operational efficiency through technology [10] - The company is in the critical period of Stage 2 strategy, focusing on broadening customer engagement and optimizing product offerings [15] Management's Comments on Operating Environment and Future Outlook - Management noted ongoing volatility and uncertainty in the market but remains committed to improving customer experience and product competitiveness [50] - The company expects the discontinuation of the cloud service to impact top-line performance in 2024, but it will continue to focus on cost controls and overseas expansion [51] Other Important Information - OneConnect won four awards in Q3 2024, bringing the total to 318 awards, reflecting industry recognition of its products and technical strength [36] - The company has launched several AI-driven tools to enhance sales and marketing efficiency [19][31] Q&A Session Summary Question: What does the decrease in payment ratios with Ping An Group mean for profit margins? - Management emphasized that Ping An Group remains a key partner and that the company is phasing out low gross margin products to improve profitability [54][56] Question: What are the latest overseas expansion efforts regarding hiring and staffing? - The company plans to allocate resources based on overseas business needs and will focus on core banking, SLP platform, and E-KYC among other offerings [57][59]