Recently, the GienTech Agent Innovation Competition concluded successfully, bringing together dozens of outstanding intelligent solution proposals across a range of core business areas. Against this backdrop, GienTech Smart Banking Concierge was introduced as an AI-powered service solution designed for mobile banking scenarios. Built around three key directions — scenario integration, conversation as a service, and multi-end accessibility — it redefines banking services beyond single-device access, isolated functions, and passive response, moving toward a smarter, more proactive, and more lifestyle-oriented experience.

Traditional mobile banking services often face several common challenges. Service entry points are fragmented, interaction remains largely passive, and available touchpoints are limited. Users frequently need to move across multiple pages and functions to complete a single task, while systems often struggle to understand and respond to real customer needs in a timely and contextual way. GienTech Smart Banking Concierge is designed to address these pain points by creating a unified intelligent entry point, strengthening intent 

understanding, and expanding multi-end service reach, making banking services more natural, continuous, and efficient.

Powered by an agent platform, GienTech Smart Banking Concierge connects high-frequency financial scenarios such as account inquiry, transfer and remittance, wealth management recommendations, loan consultation, and credit card services. Through multimodal interaction across voice, text, and images, combined with service cards and proactive recommendations, it helps banking services evolve from “people looking for services” to “services finding people.” At the same time, the solution extends across mini programs, H5, wearable devices, and other channels, enabling services to move with the user.

From a technical perspective, the solution adopts a collaborative architecture that combines small and large models, while integrating knowledge graphs, prompt optimization, security guardrails, and a dual-site, three-center deployment architecture. This enables stronger service accuracy and response efficiency while maintaining security and supporting long-term evolution. Overall, GienTech Smart Banking Concierge is not only an intelligent assistant for mobile banking, but also a practical pathway for financial institutions to enhance customer experience, improve operational efficiency, and strengthen continuous innovation. 

For further inquiries, please contact us.