证券代码：300468 证券简称：四方精创 深圳四方精创资讯股份有限公司 投资者关系活动记录表 编号：2025-01 投资者关系 活动类别 特定对象调研 媒体采访 业绩说明会 新闻发布会 路演活动 现场参观 其他： 参与单位名 称及人员姓 名 线上参与公司 2024 年年度报告网上说明会的投资者 时间 2025 年 5 月 9 日（星期五）下午 15:00-17:00 地点 "互动易"平台(http://irm.cninfo.com.cn) 上市公司出 席人员姓名 公司董事长、总经理：周志群先生 公司董事会秘书：朱天伟先生 独立董事：张力先生。 投资者关系 交流主要内 容及具体问 答记录 1. Q：贵公司 2024 年境外业务收入，在全年收入里占比多 少？今年是否会有增长。 A：有关公司 2024 年的境外收入占比，请查阅公司已公布的 2024 年年度报告。未来，公司将继续深化和现有海外客户的 合作关系，开拓新的客户资源，充实海外服务团队，优化交 付管理，提升服务质量和客户满意度，致力于拓展境外业务 规模。 2. Q：2024 年公司营收增长乏力，未来有什么具体策略来实 现营收的快速增长？是通过拓展新客户、开 ...

Financial Data and Key Metrics Changes - Non-GAAP revenue increased by 7% year-over-year, with a GAAP revenue increase driven by a notable uptick in deconversion revenue, which reached approximately $9.6 million for Q3 [7][25] - Non-GAAP operating margin expanded by 207 basis points to 23% [7][31] - Full-year deconversion revenue guidance was raised to a range of $22 million to $28 million, up from $16 million [36] Business Line Data and Key Metrics Changes - Key revenue, primarily from processing and cloud services, constituted 76% of total revenue for the quarter, growing at 9.8% compared to 8.8% in Q3 fiscal year 2024 [8][28] - Core segment revenue increased by 6% on a non-GAAP basis, with key revenue growing by 11% [32] - Payment segment non-GAAP revenue increased by 7%, driven by higher card and payment processing revenues [33] Market Data and Key Metrics Changes - The company secured 28 new core wins this fiscal year, including 11 in Q3, totaling $30 billion in assets [11] - Migration of existing customers to the private cloud saw 26 clients contracted this fiscal year, including seven in Q3, totaling $42 billion in assets [12] - The number of financial institutions using faster payment solutions like Zelle, RTP, and FedNow increased significantly, with Zelle users growing by 10% and FedNow by 96% [15] Company Strategy and Development Direction - The company is focused on winning larger competitive core deals, with a strong pipeline for Q4 [11][24] - Continued investment in technology modernization and new SMB solutions is a priority, with a closed beta for Jack Henry Rapid Transfers already initiated [18][20] - The company aims to enhance its service offerings to financial institutions, allowing them to recapture high-value deposits [19] Management's Comments on Operating Environment and Future Outlook - Management noted macroeconomic concerns affecting non-strategic revenue, leading to a cautious revenue guidance adjustment [9][36] - Despite challenges, the company remains confident in its ability to deliver long-term profitable growth through compounding revenue growth and margin expansion [38] - The management expressed optimism regarding the overall demand for core business and key revenue products, despite some project delays [93] Other Important Information - The company reported a trailing twelve-month free cash flow of $300 million, resulting in a 71% conversion rate [35] - The annual strategy benchmark survey indicated that 76% of bank and credit union clients plan to increase technology spending over the next two years [21][22] Q&A Session Summary Question: Are you seeing similar restraints with modernized projects and cloud migration? - Management indicated that most delays are in non-recurring projects, with no significant delays in core migrations [41][42] Question: Can you provide context on M&A impacts for fiscal '26? - Management noted that while M&A activity has minimal impact in fiscal '25, it could have a meaningful impact in fiscal '26 [45][46] Question: What is the timeline for project delays? - Management confirmed that some projects are being pushed into the next fiscal year, but these are contractual commitments already signed [52][54] Question: How do you view competitive positioning after FIS's acquisition announcement? - Management believes their single platform for debit and credit processing remains a differentiator, and they are optimistic about their competitive stance [70][72] Question: What is the demand environment for core business? - Management reported a robust sales pipeline and strong demand for key revenue products, despite challenges in non-key revenue [93][95]

财务数据显示，截至2024年12月31日，金融壹账通收入总额22.48亿人民币，同比减少36.16%；归母净 利润-4.6亿人民币，同比减少26.73%。 大事提醒： 5月20日，金融壹账通将披露2025财年一季报（数据来源于纳斯达克官网，预计披露日期为美国当地时 间，实际披露日期以公司公告为准）。 资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在已上市的中国商业科技服务提供商中排名第 二。·公司于2021年9月提出"一体两翼"升级战略,以服务金融机构数字化转型为一体,同步拓展生态和境 外两翼,积极 ...

2.历史价格与图表分析： 区块链 ETF（Exchange Traded Fund，交易所交易基金）软件主要是指用于展示、分析和管理投资于区块链相关公司股票或其他资产的 ETF 的应用或平 台。需要明确的是，这类软件通常是传统的金融软件，用于处理和显示关于这种特殊主题 ETF 的数据，而不是区块链技术本身构建的去中心化应用。北 京木奇移动技术有限公司，专业的软件外包开发公司，欢迎交流合作。 以下是区块链 ETF 软件的常见功能及实现方面的考量： 核心功能 (面向投资者/用户): 1.实时或近实时价格展示： 功能： 显示 ETF 当前的市场交易价格、当日涨跌幅、成交量等关键交易数据。 实现： 需要与证券交易所的数据接口或专业的金融数据提供商（如 Bloomberg, Refinitiv, Wind 等）建立连接，获取实时或近实时的交易数据流，并在前端 进行展示和刷新。 功能： 提供 ETF 的历史价格数据，并以 K线图、折线图等形式进行可视化展示，支持不同时间周期（日、周、月、年等）的查看和技术分析工具（均 线、MACD 等）。 实现： 后端需要存储大量的历史交易数据。前端使用图表库（如 ECharts, Hi ...

1. 数据准确性与完整性测试： 2. 集成测试： 3. 性能与稳定性测试： 4. 安全测试： 市场数据源验证： 测试软件是否能准确、实时地从各大加密货币交易所和数据提供商获取价格、交易量等市场数据。需要验证数据的来源、格式一 致性以及数据的完整性。 净值 (NAV) 计算验证： 这是ETF软件的核心功能。需要进行 rigorous 的测试，验证软件根据持仓、市场价格、费用、分红（如果适用）等计算出的 每日或实时净值是否准确无误。这通常需要与独立的参考计算进行对比。 持仓数据一致性： 测试软件显示的ETF持仓列表、数量、比例等是否与实际应持有的资产（通常由托管方管理）一致。需要定期或实时与托管方的 数据进行核对。 历史数据回溯测试： 使用历史市场数据对软件的计算逻辑（特别是NAV计算和跟踪误差）进行回溯测试，验证其在不同市场条件下的表现是否符合 预期。 区块链ETF软件的测试是一个复杂且多层面的过程，它不仅需要传统的金融软件测试方法，还要考虑区块链技术、加密货币市场的特性以及严格的监管要 求。以下是区块链ETF软件测试的主要技术难点和关键方面。北京木奇移动技术有限公司，专业的软件外包开发公司，欢迎交流合作。 高 ...

Core Insights - Hang Seng Electronics (600570.SH) released its 2024 Sustainability Report, marking the fifth consecutive year of such disclosures, highlighting its commitment to sustainable development [1] - The company achieved an upgrade in its MSCI rating from BBB to A and received the Prime designation from ISS, reflecting significant progress in sustainability practices [1] Group 1: ESG Disclosure and Compliance - 2024 is a pivotal year for China in standardizing ESG and sustainability information disclosure, with new guidelines issued by multiple government bodies [2] - The report is the first issued by Hang Seng Electronics following the new regulations, aligning with mainstream ESG rating criteria and enhancing the report's compliance and completeness [2] - The company has improved its ESG management system under the leadership of the board's sustainability committee, integrating sustainable development into its overall management [2] Group 2: Environmental Initiatives - Hang Seng Electronics has actively reduced its carbon footprint, achieving a reduction of 238 tons of CO2 equivalent in greenhouse gas emissions compared to the previous year [3] - The company has received international certifications for its environmental and energy management systems, emphasizing its commitment to energy efficiency and resource management [3] Group 3: Social Responsibility and Innovation - The company focuses on responsible product and service development, utilizing innovative technologies to enhance financial institutions' efficiency, resulting in a 38.5% decrease in quality incidents and a 1.08-point increase in customer satisfaction [3] - In 2024, the company allocated 2.458 billion yuan for R&D, representing 37.36% of its revenue, with a workforce composition of 67.24% in technical roles, indicating a strong commitment to innovation [3] Group 4: Talent Development and Governance - Hang Seng Electronics emphasizes a multi-tiered talent development system and has implemented a stock option incentive plan for 2024, alongside a comprehensive benefits system for employees [4] - The company maintains a diverse and independent board, enhancing corporate governance through robust compliance management and data security measures, including 16 information security training sessions covering all employees [4]

大事提醒： 3月18日，金融壹账通将于(美东)盘前披露2024财年年报（数据来源于纳斯达克官网，预计披露日期为 美国当地时间，实际披露日期以公司公告为准）。 资料显示，壹账通金融科技有限公司是面向金融机构的商业科技服务提供商(Technology-as-a-Service Provider),为国家高新技术企业。作为中国平安集团的联营公司,金融壹账通依托平安集团30多年金融行 业的丰富经验及自主科研能力,向客户提供"横向一体化、纵向全覆盖"的整合产品——包括数字化银 行、数字化保险和提供数字金融基础设施的加马平台。公司以"技术+业务"为独特竞争力,帮助客户提升 效率、提升服务、降低成本、降低风险,实现数字化转型。·公司于2019年12月登陆纽约交易所。·根据灼 识咨询的资料,按2020年金融软件及服务收入计算,公司在已上市的中国商业科技服务提供商中排名第 二。·公司于2021年9月提出"一体两翼"升级战略,以服务金融机构数字化转型为一体,同步拓展生态和境 外两翼,积极推动金融服务生态的整体数字化转型。·2022年7月公司正式在香港交易所挂牌上市。金融壹 账通拥有强大的人工智能、大数据和区块链等前沿科技实力。截 ...