Super APP
The global banking industry is accelerating its shift toward mobile channels.
By the end of 2025,
mobile banking transactions are projected to account for approximately 65% to 70% of total banking
transactions globally, with active users representing around 65% to 68% of total customers. In China,
mobile banking transactions already exceed 85% of total banking activity, and active users account
for more than 70% of the customer base, making mobile the primary service channel.
mobile banking transactions are projected to account for approximately 65% to 70% of total banking
transactions globally, with active users representing around 65% to 68% of total customers. In China,
mobile banking transactions already exceed 85% of total banking activity, and active users account
for more than 70% of the customer base, making mobile the primary service channel.
Mobile business lies at the core of digital transformation. It serves as a critical channel
for building financial ecosystems and the optimal platform for enhancing customer experience.
Banking apps are evolving from single-purpose financial service channels into Super
Apps that address customers'
full range of needs, connecting cross-industry financial scenarios through a single gateway.
Super APP
The global banking industry is accelerating its shift toward mobile channels.
By the end of 2025, mobile banking transactions are projected to account
for approximately 65% to 70% of total banking transactions globally,
with active users representing around 65% to 68% of total customers.
In China, mobile banking transactions already exceed 85% of total banking activity,
and active users account for more than 70% of the customer base,
making mobile the primary service channel.
Mobile business lies at the core of digital transformation. It serves as a critical channel
for building financial ecosystems and the optimal platform for enhancing customer experience.
Banking apps are evolving from single-purpose financial service channels into Super
Apps that address customers'
full range of needs, connecting cross-industry financial scenarios through a single gateway.
PEX – A Multi-Functional App
with a Mini-Program Ecosystem by MuRong
with a Mini-Program Ecosystem by MuRong
Omnichannel Banking Front-end Platform
PEX delivers one-stop mobile banking services while enabling a unified customer
experience across channels including internet banking, branches, and customer service.
It supports cross-industry ecosystem collaboration and aggregates a broad portfolio of mini-programs,
providing customers with extensive value-added services and convenient utilities.
Built for Compatibility
PEX supports iOS, Android, and HarmonyOS,
is compatible with major mainstream mobile devices, and offers high customizability and openness.
Beyond Features -
The Full Picture
The Full Picture
Comprehensive Financial Services
Covers online account opening, secure authentication, digital wallet, online deposits,
online lending, fund transfers, payments, insurance, and other full-spectrum financial services.
On-Demand Customization
Enables banks to customize functional modules on demand
and achieve seamless integration with existing systems.
Ecosystem Connectivity
Leverages a robust API framework to rapidly connect
cross-industry service ecosystems including e-commerce,
dining, transportation, healthcare, and government services.
Open Collaboration
Provides a mini-program framework to engage third-party developers,
continuously enriching the platform's product offerings.
The Real Benefits
Behind the Features
Behind the Features
Accelerated Time-to-Market
Enables fast integration with banks' existing systems,
shortens mobile banking development and launch cycles,
accelerates digital transformation,
and captures early market advantages.
Enhanced User Experience
Delivers one-stop financial services and consistent omnichannel experiences to meet diverse user needs,
improve customer satisfaction and retention,
and strengthen customer acquisition capabilities.
Expanded Business Ecosystem
Builds cross-industry service ecosystems and onboards third-party developers,
extending service boundaries and creating new revenue streams.
Reduced Operational Costs
Built on a secure and standardized architecture,
it minimizes redundant development and investment,
lowering IT implementation and long-term maintenance costs.