In response to rising supply chain financing demand, SY has steadily increased its R&D investments. By December 31, 2024, the company held 80 national invention patents and software copyrights, covering innovative applications in big data, cloud computing, artificial intelligence, and more. Adhering to a "transaction-focused, entity-light" risk management philosophy, SY has strengthened system integration and data connectivity with core enterprises. Empowered by technology and data, SY not only achieves precise customer acquisition but also employs intelligent tools to efficiently verify the authenticity and rationality of underlying transactions. This enables the company to provide "more, faster, better, and more cost-effective" supply chain finance solutions—including higher credit limits, quicker loan disbursement, superior user experience, and more inclusive funding—effectively addressing SMEs' challenges of "difficult and expensive financing." Over 96% of clients served by SY’s self-developed SYI Tong cloud platform are SMEs, with first-time borrowers accounting for more than 30%.