Front-end Platform
Banking services are moving rapidly toward online and mobile channels.
Mobile banking has become the primary service channel.
Industry projections for 2025 indicated that mobile banking transactions would account for approximately
65% to 70% of total banking transactions globally,
with active mobile banking users representing around 65% to 68% of total customers.
In China, mobile banking transactions already exceed 85% of total banking activity,
while active users account for more than 70% of the customer base.
For banks, a key goal of digital transformation is to build omnichannel
financial service capabilities that connect customers, branches, digital channels,
and partner services. This requires a strong front-end platform that can improve customer experience,
support convenient digital services,
and help banks work more effectively with the ecosystem.
Front-end Platform
Banking services are moving rapidly toward online and mobile channels.
Mobile banking has become the primary service channel.
Industry projections for 2025 indicated that mobile banking transactions would account for approximately
65% to 70% of total banking transactions globally,
with active mobile banking users representing around 65% to 68% of total customers.
In China, mobile banking transactions already exceed 85% of total banking activity,
while active users account for more than 70% of the customer base.
For banks, a key goal of digital transformation is to build omnichannel
financial service capabilities that connect customers, branches, digital channels,
and partner services. This requires a strong front-end platform that can improve customer experience,
support convenient digital services,
and help banks work more effectively with the ecosystem.
PEX — An omnichannel front-end platform for banking apps,
mini-programs and web portals
Omnichannel Banking Front-end Platform
PEX supports mobile banking, internet banking, mini-program services, and digital customer interaction.
It also helps banks deliver a more consistent customer experience across mobile channels, web portals,
branches, ATMs, and call centres. It supports cross-industry service collaboration by integrating
a broad range of mini-programs and third-party services. This allows banks to provide
customers with value-added services,
convenient utilities, and financial services within one digital entry point.
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
Supports integration with existing bank systems and helps shorten
the development and launch cycle for mobile apps, mini-programs, and web portals.
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.
Real Results
Real Results
