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]

财联社1月7日讯（记者郭子硕）金融壹账通（6638.HK；OCFT.N）再现人事变动。 财联社记者从多个信源获悉，平安产险总经理助理、首席技术官陈当阳已在2024年12月末被任命为壹账 通党委书记。当前，被称为"壹账通"的机构有深圳壹账通智能科技有限公司以及金融壹账通 （6638.HK,OCFT.N）。有知情人士告诉财联社记者，二者的区别是，后者是前者的上市主体，两家公 司的党委书记通常由一人担任。 壹账通党委书记陈当阳来自"平安系"，自2021年9月加入中国平安财产保险股份有限公司（下称平安产 险）。当前，陈当阳仍在平安产险官网公示的高管人员名单中。陈当阳出生于1979年12月，任平安产险 总经理助理。陈当阳曾就职于蚂蚁科技集团股份有限公司、中信银行。 金融壹账通的总经理唐啸于去年10月10日正式履职。唐啸是一名银行系金融科技老将，具备20余年银行 服务领域的工作经验。加入金融壹账通前，唐啸曾担任中银金融科技有限公司的执行董事和总裁。更早 之前，唐啸曾在建信金融科技有限责任公司苏州子公司任副总裁，在中国建设银行多个部门担任职务， 包括武汉数据中心测试推广处副处长和创新处负责人等。 实际上，2024年金融壹账 ...

Revenue Performance - Revenue from third-party overseas customers increased by 23.4% year-on-year for the first three quarters of 2024[5] - Revenue from continuing operations for Q3 2024 was RMB 417 million, down from RMB 807 million in the same period last year[6] - Revenue from third-party customers decreased by 12.4% year-over-year to RMB 236 million in Q3 2024, down from RMB 270 million in Q3 2023[10] - Total revenue from continuing operations in Q3 2024 was RMB 417 million, a decrease of 48.3% from RMB 807 million in Q3 2023, mainly due to reduced revenue from the cloud services platform[13] - The revenue for the digital banking segment in Q3 2024 was RMB 105 million, a decrease of 47.6% compared to RMB 201 million in Q3 2023[12] - The revenue for the digital insurance segment in Q3 2024 was RMB 143 million, down 4.1% from RMB 149 million in Q3 2023[12] - The revenue for the Gama platform segment in Q3 2024 was RMB 169 million, a significant decline of 63.0% from RMB 457 million in Q3 2023, primarily due to the strategic phase-out of cloud services[12] Profitability and Loss - Gross margin for continuing operations was 32.7%, compared to 36.6% in the same period last year[6] - Net loss attributable to owners for continuing operations was RMB 30 million, improving from a loss of RMB 51 million in the same period last year[6] - Net profit margin for continuing operations was -7.1%, compared to -6.3% in the same period last year[6] - Basic and diluted loss per American Depositary Share for continuing operations was RMB -0.81, compared to RMB -1.40 in the same period last year[6] - The gross profit margin for continuing operations was 32.7% in Q3 2024, compared to 36.6% in Q3 2023[10] - The net loss attributable to the company's shareholders from continuing operations narrowed by 41.9% year-over-year to RMB 29.5 million in Q3 2024, compared to RMB 50.8 million in Q3 2023[9] - The operating loss for continuing operations in Q3 2024 was RMB 50 million, compared to an operating loss of RMB 56 million in Q3 2023, resulting in an operating margin of -12.1%[17] - The loss per share from continuing operations for the three months ended September 30, 2024, was RMB (0.03), an improvement from RMB (0.05) in the same period of 2023[26] Operational Efficiency - The company emphasizes caution for shareholders and potential investors regarding reliance on Q3 performance[4] - The company plans to enhance product competitiveness using artificial intelligence technology and focus on overseas market opportunities to improve operational efficiency[9] - The company’s operating expenses for continuing operations decreased by 47.8% year-over-year, contributing to the reduction in net loss[9] - Research and development expenses for continuing operations in Q3 2024 were RMB 70 million, a decrease from RMB 230 million in the same period last year, representing 16.7% of revenue[16] - Selling and marketing expenses for continuing operations in Q3 2024 were RMB 46 million, which accounted for 10.9% of revenue, slightly up from 8.2% in the previous year[16] Cash Flow and Financial Position - Cash used in operating activities in Q3 2024 was RMB 34 million, while cash generated from investing activities was RMB 365 million[19] - The net cash used in operating activities for the nine months ended September 30, 2024, was RMB (332,074) thousand, an improvement from RMB (822,560) thousand in the same period of 2023[30] - The company reported a net cash inflow from investing activities of RMB 365,495 thousand for the three months ended September 30, 2024, compared to RMB 217,770 thousand for the same period in 2023, representing an increase of approximately 67.8%[30] - The company recorded a net increase in cash and cash equivalents of RMB 225,358 thousand for the three months ended September 30, 2024, compared to a decrease of RMB (64,207) thousand in the same period of 2023[30] Discontinued Operations - The company completed the sale of its virtual banking business to Lufax Holding Ltd. for HKD 933 million on April 2, 2024[6] - The financial performance of the discontinued virtual banking business is now reflected as "discontinued operations" in the financial statements[6] - The company reported a net loss from discontinued operations of RMB 209,499 thousand for the nine months ended September 30, 2024, compared to a loss of RMB (116,923) thousand in the same period of 2023[24] Assets and Liabilities - The total assets as of September 30, 2024, were RMB 4,744,463 thousand, a decrease from RMB 8,068,358 thousand as of December 31, 2023[28] - The total liabilities as of September 30, 2024, were RMB 1,701,242 thousand, down from RMB 5,120,566 thousand as of December 31, 2023[29] - The total equity attributable to owners of the company as of September 30, 2024, was RMB 3,079,584 thousand, an increase from RMB 2,966,771 thousand as of December 31, 2023[29]

壹賬通金融科技有限公司 ONECONNECT FINANCIAL TECHNOLOGY CO., LTD. ( 於開曼群島註冊成立的有限公司 ) 股份代號 : 6638 紐交所代碼 : OCFT 0 0 0 0 中期報告 2024 目錄 | --- | --- | |------------------------|-------| | | | | 公司資料 | 2 | | 財務表現摘要 | 4 | | 業務回顧及展望 | 8 | | 管理層討論及分析 | 14 | | 企業管治及其他資料 | 20 | | 中期財務資料的審閱報告 | 29 | | 中期簡明綜合全面收益表 | 30 | | 中期簡明綜合資產負債表 | 32 | | 中期簡明綜合權益變動表 | 34 | | 中期簡明綜合現金流量表 | 36 | | | | 簡明綜合中期財務資料附註 37 公司資料 獨立非執行董事 張耀麟先生（主席） 郭曉濤先生 周永健先生 | --- | --- | |------------|------------------------| | | | | | | | | | | 董事會 | | | 執行董事 | | | ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不對因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 截至2024年6月30日止六個月的中期業績公告 壹賬通金融科技有限公司（「本公司」）董事（「董事」）會（「董事會」）欣然公佈本公 司及其附屬公司以及其他綜合實體（統稱「本集團」）截至2024年6月30日止六個月 （「報告期」）的未經審核中期綜合業績，連同2023年同期的比較數字。 於本公告中，「我們」指本公司，倘文義另有所指，指本集團。 財務表現摘要 • 截至2024年6月30日止六個月的持續經營業務1收入從2023年同期的人民幣 1,833.0百萬元減少22.8%至人民幣1,415.8百萬元。 • 截至2024年6月30日止六個月的持續經營業務毛利率為37.1%，而2023年同 期為37.5%；截至2024年 ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 內幕消息 截至2024年6月30日止第二季度及半年度的未經審核財務業績 及 海外監管公告 本公告乃根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.09條及 證券及期貨條例（第571章）第XIVA部刊發。 壹賬通金融科技有限公司（「本公司」或「壹賬通」）欣然公佈根據美國證券交易委員 會的適用規則刊發的本公司及其附屬公司以及綜合聯屬實體截至2024年6月30日 止第二季度及半年度的未經審核財務業績（「第二季度及上半年業績」）。 本文附表一為本公司於2024年8月16日（美國東部時間）刊發的有關第二季度及上 半年業績的新聞稿全文，其中部分內容可能構成本公司的內幕消息。 本公司亦根據上市規則第13.10B ...

香港交易及結算所有限公司及香港聯合交易所有限公司對本公告的內容概不負責，對其準確性 或完整性亦不發表任何聲明，並明確表示，概不就因本公告全部或任何部分內容而產生或因倚 賴該等內容而引致的任何損失承擔任何責任。 OneConnect Financial Technology Co., Ltd. 壹賬通金融科技有限公司 （於開曼群島註冊成立的有限公司） （股份代號：6638） （紐交所股份代碼：OCFT） 本公告乃根據香港聯合交易所有限公司證券上市規則（「上市規則」）第13.09條及 證券及期貨條例（第571章）第XIVA部刊發。 本文附表一為本公司於2024年5月21日（美國東部時間）刊發的有關第一季度業績 的新聞稿全文，其中部分內容可能構成本公司的內幕消息。 1 建議本公司股東及潛在投資者勿過於依賴第一季度業績，並於買賣本公司證券時 審慎行事。 香港，2024年5月21日 2 壹賬通公佈2024年第一季度未經審核財務業績 中國深圳－（美通社）－壹賬通金融科技有限公司（「壹賬通」或「本公司」）（紐約證 券交易所股份代號：OCFT及香港聯交所股份代號：6638），一家服務中國金融服 務行業的領先商業科技服務提供商 ...