"AI will reshape all industries."

Over two years ago, skepticism still surrounded this view in the industry. After the 洗礼 of the large model wave, it has now become a consensus across thousands of sectors.

As the most digitized industry, finance has led the way in digital exploration, outpacing most 实体 economies. In the era of artificial intelligence, the financial sector has once again taken on the role of the "bellwether," with 越来越多的金融机构 formulating intelligent transformation strategies, heralding the dawn of a new era.

In the digital transformation of the financial industry, digital service providers have always been an indispensable force, acting as technological pioneers and builders of application scenarios. Their names may not be widely known to the public, yet they 潜移默化地 influence everyone's way of life.

As intelligence sweeps across all industries, beyond the spotlight on star enterprises, attention should also be focused on the digital "vanguard" steadily advancing in 垂直 fields. For example, Sursen Software, which has 深耕 the fintech industry for 25 years, has 几乎 participated in every stage of the financial industry's transformation and upgrading. Through continuous exploration and innovation, it has 开启 a second growth curve 共振 with financial intelligence.

01 A Difficult Yet Right Path

Rewind to 1999. After over a decade working in financial services and technical consulting on Wall Street, Wang Anjing returned to China and founded Sursen Software.

Recalling his entrepreneurial 初衷 in a media interview, Wang Anjing said: "In the mid-90s, we helped Bank of China's New York branch build an online banking system. At the time, the idea of 推广 online trading systems domestically emerged, but when we introduced it to 同行， everyone thought it was fantasy, unable to accept the novelty of online banking."

By the end of the 20th century, the 轰轰烈烈的互联网春风 had crossed the Pacific, sweeping across China, and internet technology began to be discussed in small circles. A wave of "海归" like Charles Zhang and Robin Li chose to return to China to 创业. Wang Anjing, a "financial veteran" and "IT expert," was among them.

Unlike the popular Copy To China model at the time, Wang Anjing remained fixated on 银行互联网化—a critically important but "slow-burn"赛道. Each bank faced unique problems, requiring tailored technologies and solutions. There was no one-size-fits-all model for rapid scaling; instead, it was a project-by-project grind，啃骨头 one after another, pushing the industry forward step by step.

Patience and perseverance alone were far from enough.

Banking is a heavily regulated industry within the system, incapable of 野蛮生长 like e-commerce or social media 互联网 outside the system. To 打破既定 rules, change 传统认知， and drive industry innovation, technological 底气 and the 勇气 to pioneer were essential—this was also Sursen Software's mission.

A direct example is 电子账户。

Before 2012, "account opening" required in-person visits to physical branches，无形中 hindering 银行互联网化. Sursen Software innovatively proposed a "card-to-card" approach, allowing users to open 电子账户 online or via mobile without visiting branches. Within a year, it completed pilots with over 60 banks. This not only marked the 起源 of 电子账户 in China's banking sector but also laid the groundwork for 直销银行，开放银行， and comprehensive 互联网银行。

A brief 复盘 of Sursen Software's journey reveals many such "firsts."

At its founding in 1999, Sursen Software 率先 used Java application server technology, becoming the first domestic company to 推广 online banking systems;

In 2005, it 首创 and launched China's earliest mobile banking WAP application, migrating banks from fixed 物理场所 to mobile phones and tablets;

In 2013, shortly after WeChat's 诞生， Sursen Software 推出 the industry's earliest WeChat banking application, significantly enhancing banks'推广营销 efficiency;

In 2014, it launched China's first 直销银行 application, where 电子账户体系 gradually took shape, using the 直销 model to expand 电子银行's service scope and space, laying the foundation for 二类三类 accounts;

Starting in 2017, Sursen Software pioneered a cloud-based 互联网金融运营合作平台 for banks，开创 a new 格局 in 银行服务生态体系建设...

Sursen Software's 坚持 of "innovation multiplied by time" yielded a 全新的银行形态: no longer confined to 物理场所 but omnipresent, shadow-like banking services.

Having deeply participated in every node of 银行数字化转型 and established 紧密合作关系 with over 500 financial institutions, Sursen Software 一步步 rose to become a 头部服务商 in domestic 金融数字化咨询及解决方案， an indelible chapter in fintech history.

But in the mind of Sursen Software's chairman, Wang Anjing，银行互联网化 was just the 起点， merely 踏上数字化的路. Many challenges lay ahead.

"Short-term, superficial digitization or 浮夸性 digitization could be disastrous for national critical information infrastructure. 'Localization' based on foreign foundational software can only be a 过渡. Core intellectual property rights for foundational software databases must be in our own hands. It's like building a skyscraper—if the 地基 structure is unclear, the higher the building, the greater the risk, ultimately posing an unbearable national security threat."

Thus, around 2015, Sursen Software began 研发 database products, targeting the "root technology" of digitization. It committed to independent R&D, with fully 自主可控 frameworks, kernels, and engines, free from any Western open-source database code. To address banks' database needs, Sursen Software partnered with multiple banks to establish 国产数据库联合实验室，沉淀 project experience into product development.

By then, many domestic database companies had emerged, but most relied on open-source kernels and engines, focusing only on 外围 tools，容灾 modules, and 运维管理. As a veteran with nearly 50 years in fintech, Wang Anjing 深知 open-source was a shortcut but couldn't 彻底解决 national and corporate security. Only with 自主知识产权 could there be 话语权 and security, truly qualifying as an 授权方。

The "cost" was evident: developing 应用软件 for banks often took months to a year or two, but foundational software like databases required 七八年，占用 massive R&D resources without immediate revenue. This was why many chose to modify open-source software for quick market entry rather than solving 关键技术问题 at the source.

Despite 外界 "misunderstanding," Wang Anjing never doubted himself. Like 银行互联网化，自研数据库 was a long，厚雪 path with inevitable challenges. Only those who reach the summit know the view is worth it.

02 Toward Higher Peaks

Time proved Wang Anjing's foresight. As 金融智能化 intensified, data security issues became increasingly frequent.

For instance, in discussions about 金融智能化， how to ensure data security? How to unlock data value? How to 治理 data? These are unavoidable 焦点. The industry consensus is that an 自主创新， fully 可信 database is key.

In a 数据库行业 rife with "disguises" and "shell games," Sursen Software's SUNDB database stands out as a "一枝独秀，" offering clients an 自主知识产权 option. It is also among the few domestic products 无须国外开源数据库授权， unafraid of 开源协议 changes, capable of licensing globally from the 自主知识产权制高点。

In August 2023, the Development Research Center of the State Council released a report titled "Accelerating the Autonomous Control of China's Databases," highlighting two key points:

1. Among over 300 database companies，上百家 use PostgreSQL 开源技术，近 200 家 use MySQL 开源技术. Sursen Software's SUNDB achieves 高度自治 in legal 权限， with a 工信部 code scan 自主率 of 98.31%.

2. After a 某大型央企 in national critical information infrastructure replaced Oracle with SUNDB, the system not only ran stably but also achieved breakthroughs in performance and accuracy. Billing functions completed in 2h4m55s with 98% accuracy，远超 internal standards.

To some, Sursen Software 幸运地踩中 the 风口 as "AI+" entered 政府工作报告 and 信创国产化 accelerated. Few know it had 布局数据库领域 for 七八年. The so-called "风口" was actually a 护城河 built with 海量 resources and 人力投入。

Unsatisfied, Sursen Software continues toward higher peaks.

The rise of AI technologies like 大模型 has 智能化替代 labor and capital，重构产业结构 while 大幅提升生产效率， driving high-quality economic growth for the next decade. Sursen 适时 proposed its second growth curve: AIDB, AI robots, and AI 算力. After 八年磨一剑， this curve is already strategically 布局， poised to become future 创新增长点 for revenue and 利润。

AIDB serves as 底层加固 for national critical information infrastructure.

In December 2023, Sursen partnered with Tsinghua University to establish the Advanced Intelligent Database Joint Research Institute, pioneering the development of a fully 自主可控，高效，安全，智能的新一代数据库系统软件 for core applications in critical industries.

As widely known, data quality deeply impacts 大模型 training. While 大中型企业 could 微调行业大模型 with 私有数据，现实 is that 60%–70% of corporate data remains unused—not due to unawareness of its value but 顾虑 over security，治理， and 可信. A 安全可靠的智能数据库 is 亟需 to 激活 hidden value. Sursen is uniquely positioned with both a 几千人的金融开发团队 and a 自主可控金融级交易数据库。

AI 机器人布局 dates back to 2018.

While 互联网银行 digitized 80% of services, 20% still rely on 人工柜员. To solve this, Sursen launched the 智能高柜数币机器人 "Xiao Lan," piloted at 国有大行 like ABC，广东农信， and Huaxia Bank.

The remaining 20% resist digitization due to complexity, security, or cost concerns. "Xiao Lan"对症下药：对话式 AI robots enable 自助办理 via speech; partnerships with 鸿蒙 ensure 国产系统 + 自主可控 database security; and "zero-renovation" assembly allows 网点 to deploy AI robots without 改造， achieving 5–10x cost efficiency.

AI 算力 targets 区域经济新质生产力。

On March 18, 2024, Sursen signed a 智能算力中心合作框架协议 with Suzhou High-Tech Zone, investing ¥600 million to meet 央国企算力刚需 and fuel 苏州数字经济。

Throughout history，文明跃变 has relied on 生产力转型升级. AI will generate 新质生产力不同于传统 models. As 金融行业 leads 智能化转型， its 输出 includes not just products but also 经验 and 方向. With 25 years in fintech, Sursen is a 既懂行业又懂技术的主演， actively 布局算力中心 to 深度参与智能化浪潮。

Valuable innovation never lacks 回报。

Per China 信通院， China's database market will hit ¥68.8 billion by 2025, with 国产替代占比 rising. With 220k 银行网点， even 10% adopting AI robots would open a¥100 billion 蓝海. The "China AI Computing Power Development Report" shows 2023 AI 算力市场规模 reached ¥66.4 billion, up 82.5% YoY. Sursen's second growth curve is the ultimate 回报 for innovation.

03 Closing Thoughts

"长风破浪会有时， 直挂云帆济沧海."

Compared to other listed companies, Sursen Software is a 少数派: it propelled 银行互联网化 yet remains 低调; it had countless "赚快钱" opportunities but chose a 难且正确的路 for 25 years.

Yet 换个视角， many 互联网企业 aspire to be 百年老店 but show 老态龙钟 by year 20, forgetting 初心 or chasing 风口. Sursen demonstrates another path: staying the course, deepening its 护城河， and 硬实力创新 ensures 初创-like vitality regardless of 风口。