Core Insights - The fourth Global Digital Trade Expo was held in Hangzhou from September 25 to 29, showcasing Hangzhou Bank's innovative achievements in the integration of digital technology and financial services [1] - Hangzhou Bank has elevated digital transformation to a core strategic position, focusing on customer-centric value creation through digital thinking and AI technology [1] Digital Service Matrix - Hangzhou Bank launched a "Four Connections and Three Easy" digital product and service matrix, including "Financial Connection, Government Affairs Connection, Ticket Connection, Investment and Financing Connection, Exchange Easy, Salary Easy Treasure, and Easy Collection Profit" [2] - This system aims to provide comprehensive, one-stop financial solutions for corporate and institutional clients, enhancing management efficiency and optimizing operational processes [2] Smart Hall Experience - The bank introduced the Hongmeng Smart Hall solution, which integrates counter services, self-service machine management, and mobile business platforms into a comprehensive application system [3] - This solution enhances traditional business processing and service workflows, significantly improving the intelligent operation level and precise customer service capabilities of bank branches [3] Infrastructure Upgrade - Hangzhou Bank is enhancing its technology infrastructure with a focus on enterprise-level architecture, domestic production, and cloud-native architecture [4] - The new infrastructure includes cloud platforms, distributed databases, middleware, and big data technologies, forming a three-layer technical architecture that supports future information technology development [4] Intelligent Risk Control - The bank is building an intelligent risk control model driven by data, algorithms, and models, improving the quality and efficiency of risk management [5] - A unified risk control platform has been developed, ensuring smooth business processes and controllable risks throughout the credit lifecycle, with a non-performing loan rate of 0.76% as of June 2025 [5] - The bank aims to integrate AI, big data, and cloud computing into its financial services, providing robust financial support for high-quality development and digital transformation of enterprises [5]

Core Insights - The Fourth Global Digital Trade Expo was held in Hangzhou, showcasing the integration of digital technology and financial services by Hangzhou Bank [1] - The theme of the expo was "Connecting the World, Co-creating a Digital Future," focusing on the deep integration of digital trade and artificial intelligence [1] - Hangzhou Bank has elevated digital transformation to a core strategic position, emphasizing customer-centric value creation through digital thinking and AI technology [1] Group 1: Service Innovation - Hangzhou Bank introduced the "Four Connections and Three Easy" matrix, featuring products like "Financial Connection, Government Connection, Ticket Connection, Investment Connection, Exchange Trading, Salary Easy, and Easy Collection" [2] - This system aims to provide comprehensive, one-stop financial solutions for corporate and institutional clients, enhancing management efficiency and optimizing operational processes [2] Group 2: Interactive Experience - The bank showcased its upgraded Harmony Smart Hall solution, which integrates various technologies for a comprehensive service application system [3] - This solution enhances traditional business processing and service workflows, significantly improving the intelligent operation level and precise customer service capabilities of bank branches [3] - Hangzhou Bank is committed to leveraging cutting-edge technologies like AI, big data, and cloud computing to embed digital capabilities throughout its financial services [3]

Core Insights - The 2025 China International Financial Expo was held in Shanghai, showcasing over 400 financial institutions and technology companies, with Hangzhou Bank being a prominent participant [1] - Hangzhou Bank emphasizes serving the real economy and has showcased over 20 digital financial solutions, reflecting its digital transformation achievements [3] Group 1: Technological Transformation - Hangzhou Bank is committed to self-controlled research and development, investing in cloud-native applications, intelligent observability systems, and big data platforms to support rapid business growth [4] - The bank successfully launched a new generation of distributed, cloud-native core business systems in November 2023, which won the "2023 Financial Technology Development Award" from the People's Bank of China [4] - Significant advancements in AI have been made, with AI technology being integrated into various operational areas, transforming tools into productivity outputs [4] Group 2: Innovative Financial Services - The bank collaborated with Huawei to create the Harmony Smart Hall ecosystem, enhancing service experiences through a standardized technical framework and a comprehensive application ecosystem [5] - The "Four Connections and Three Easies" comprehensive financial service ecosystem was introduced, integrating seven core products to meet the full lifecycle financial needs of government and enterprise clients [7] - The "Xinyibao" platform serves as an ideal partner for small and medium-sized enterprises in their digital transformation, offering various integrated services [7] Group 3: Future Focus - Hangzhou Bank aims to leverage opportunities in financial digital transformation and open innovation, focusing on enhancing core financial technology capabilities [7]