Smart Financial


In response to the changes of the times, Bank SinoPac has been developing digital finance and combine virtual and physical channels perfectly, while making banking friendly and approachable. In order to accelerate the pace of transformation, Bank SinoPac had continuous communication and implementation with the information and R&D team, also utilized industry and academic resources to cultivate excellent talents, actively invests in industry and academic research projects on "new technology, new structure, new business model", Besides, we allied with partners for grasping the dynamics of innovative business and solidify the Bank's innovative energy.

In the development of financial innovation, Bank SinoPac adheres to the two development strategies. "context management" and "AI". Context Management mainly echoes the competent authority's policy of open banks. Actively working with third party service providers in support of Financial Supervisory Commission's open banking policy, and have dedicated Bank SinoPac’efforts to the integration of cash flow collection and payment API, incorporating it in financial service ubiquitous of each industry to complete the integration of domestic, overseas, online, and offline payment and collection products. In 2021, Bank SinoPac and Taiwan Depository & Clearing Corporation completed the second phase of collaboration in consumer banking information for open banking, realizing consumer information empowerment and creating innovative application scenarios. Moreover, Bank SinoPac used the API Management Platform for centralized management of over 100 APIs, established standard safety mechanism, and jointly created a more complete financial service ecosystem through partnerships between SinoPac's Partner APIs and industries.

In addition, Bank SinoPac also continued to introduce AI technologies to strengthen financial services. Since 2017, Bank SinoPac has deployed in the field of AI technology and cooperation with National Cheng Kung University and Soochow University. The cooperation fostered new technology talents, develops AI financial technology applications, and uses data operations as the basis to grasp customer needs, behaviors, and preferences, to further develop customized financial experiences, reduce thresholds of financial services, making people's lives convenient because of financial technology and moving towards inclusive and customized finance service.

Bank SinoPac has achieved fruitful results in digital transformation and smart financial innovation services for recent years. After successfully launched integrated digital account "DAWHO" and SinoPac robot-advisor "ibrAin", we released the payment and credit card management App DACARD at the end of 2021. The App integrates online payment and credit card management functions and supports a variety of payment methods and payment tools, realizing zero contact online financial services successfully. In the future, Bank SinoPac will continue to provide smart financial products to support the operating objective of "One stop digital service".

Integrated Digital Account "DAWHO"

Bank SinoPac has launched "DAWHO," a integrated digital account, to provide inclusive financial services. Centered on the needs of the young generation, "DAWHO" contextualizes financial services from entertainment, food, and transportation, to playing, learning, housing, and pet-raising, and integrates 7 core functions and services, namely deposits, wealth management, foreign currency, securities, credit cards, credit loans, and mortgage. Regardless of space and time, "DAWHO" enables consumers to apply for and use 24/7 financial services such as account opening and investment online without visiting any brick-and-mortar branches. It has been well received by account holders.

  • As of June 2022, the number of account holders exceeded 1,240,000, ranking third in the digital banking market in Taiwan.

  • Bank SinoPac won the "Best Digital Finance Award" in the "10th Taiwan Banking and Finance Best Practice Awards", "Marketing & Brand Initiative of the Year" in the "Asian Banking and Finance", "Most Popular Brand Award" and " Best Product Award "in the "18th National Brand Yushan Award" and "Best Deposit/Savings Product in Taiwan " in " The Asian Banker.

Hearing the opinion of the younger generation, "DAWHO" is designed for the younger generation to manage wealth and maintain their quality of life at the same time. "DAWHO" provides wealth management services such as funds, stocks, and sub-brokerage to lower the threshold for customers to invest. With "DAWHO," people with mediocre incomes are able to invest through a systematic investment plan. In terms of daily consumption, high cash rewards are offered by many partners, making digital banking now a way of life.

  • "DAWHO" partners, including digital audio/video platforms (e.g., Netflix and Spotify), food delivery service provides (e.g., Foodpanda and Uber Eats), and home video game consoles (e.g., PlayStation and Xbox)

  • Wealth management services (e.g., NT$100 funds and fee-exempt funds)

Special offers and features of DAWHO:

  • In March 2020, Bank SinoPac cooperated with SinoPac Securities to roll out the "SinoPac Stock Savings Plans" platform, allowing customers to buy funds and stocks through a systematic investment plan.

  • In July 2020, Bank SinoPac launched "online fast opening for account sub-brokerage" with SinoPac Securities, allowing customers to buy US stocks and build wealth fast.

  • In April 2021, Bank SinoPac integrated asset management of SinoPac Securities and the opening process for account sub-brokerage on DAWHO APP, providing customers more complete product selection and asset management services.

  • In October 2021, Bank SinoPac cooperated with SinoPac Securities to  launch one-stop account application service, allowing our customers to apply NT Dollar account, foreign currency account, trust account, sub-brokerage account and securities account at one time.

  • In June 2022, Bank SinoPac added the area of stock IPO on DAWHO APP.

"DAWHO" meets the financial needs of the younger generation in all aspects. Launched in March 2020, the "DAWHO APP" is well-designed and user-oriented to provide more intuitive and personalized services.

Download DAWHO APP

In the future, Bank SinoPac will continue to innovate and integrate objectives to develop digital accounts, use innovative technologies such as AI, big data, and face recognition to optimize service quality, and actively develop new forms of payment, investment, securities, foreign currency, and other business, so as to meet user needs and provide a better user experience. With cross-industry alliances and the business ecosystem that consists of brick-and-mortar branches, ATMs, and payment service providers across Taiwan combined, the scope of business will be further expanded.

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Mobile Payment

funBIZ Cross-border Collection Service

funBIZ provides the offline channel "Cross-border (Alipay) Collection Service". Applying QR Code and RWD management platform, mobile phone develops as portable cashier. funBIZ users could not only collect or refund money at moment but record all transactions immediately. funBIZ establishes the mechanism with offline cashless collection and online management. With funBIZ, small and medium-sized enterprises could reach more potential customers.

"FUN Biz" is a verified barrier-free application, offering a friendly financial environment for customers to collect receivables conveniently, either online or in person.


FUN Biz App:
-further details
-Customers Service

Multi-payment Service

In addition to rolling out various types of credit cards for different customer needs, Bank SinoPac provides multi-payment services that link credit cards on mobile phones and wearable devices, including Apple Pay, Google Pay, Samsung Pay, Garmin Pay, and Fitbit Pay, for customers to enjoy a secure, simple, and new payment experience.

Multi-payment Service:further details

Digital Counter Services

With customer experience as the core, digital technologies, whether software or hardware, are introduced to shape digital counters and mobile applications. E-services are paperless and more environmentally friendly and enable tellers to serve customers more considerately with streamlined workflows; in addition, electronic data are traceable, making transactions more secure. This initiative not only fulfills Bank SinoPac's corporate social responsibility, but also improves customer satisfaction and strengthens the protection and internal control of customer data.

Various Digital Counter Services:

  • eNote(Electronic Notepad) Paperless Green Counter
    eNote has been implemented in all branches. A total of 57 transaction items can be done by eNote, accounting for 85% of all transaction items. The entire application process allows documents and forms to be saved electronically in order to reduce paper consumption in line with the environmental policy.

  • iBranch Services

    • Application Form Pre-filling
      Bank SinoPac provides 7 common application forms that can be pre-filled online, and the pre-filled information can be quickly imported by tellers with one click to complete transactions. These forms include: 1. Pre-designated receiving account; 2. New Taiwan dollar remittance; 3. Cash deposit; 4. Cash withdrawal; 5. Account Transfer 6. Foreign currency remittance; and 7. Note/Bill deposit.

    • Online Queue Number Request
      During the COVID-19 pandemic, taking a number without contacting anyone can make epidemic prevention more effective. Customers can choose a branch online and check the real-time queue number and busyness of each branch anytime.

    • Reservation Service
      By reserving branches and service time slots, you can enjoy priority service, avoid waiting in branches and reduce the risk of crowding in branch lobbies.
  • Floating Counter Services

    • TOGO App
      iPads are introduced in all branches. With TOGO App, customers can apply to open accounts. Tellers receive applications electronically regardless of customers' locations, which strengthens the protection and internal control of customers' personal information. Tellers can also verify customers' identities and provide other services using semi-self-service counters to reduce waiting time and improve customer experience.

    • Account Opening on Cloud
      Account Opening on Cloud has been implemented in all branches. Go to the "Account Opening on Cloud" web page and complete identity verification and KYC with TOGO App on iPad. Customers can receive their passbooks and ATM cards in no time. The centralized and systematized preview process reduces account opening time to 10 minutes, and customers will be notified of progress on the same day.

  • Palm Vein Authentication
    Palm Vein Authentication has been implemented in all branches in May 2022. With Palm Vein Authentication, customer signatures and signature verification are no longer required. It is also used to strengthen internal control and reduce fraudulent transactions. Starting from 2021, Bank SinoPac deploys Palm Vein Authentication for ATM deposit/ withdrawal/ transfer/ check balance functions in 9 branches and expands deployment in branches continuously  in 2022.

Open Banking

Bank SinoPac is open to new ideas. By connecting with partners through APIs, Bank SinoPac integrates financial services people need in every aspect of life such as e-commerce payment and bills payment, creating infinite possibilities of banking services!

  • New banking landscape:
    Bank SinoPac has actively attended startup cooperation & matchmaking seminars organized by "FintechSpace." Bank SinoPac is also a member of "NCCU Gloria," where it exchanges ideas and forms strategic cooperation with partners in various fields to promote a new form of digital banking services and build a financial ecosystem.

  • Partner API:
    Bank SinoPac connects financial services customers need in five aspects of life, namely, entertainment, transportation, food, playing, and learning, to APIs such as e-commerce platforms, electronic payment accounts, community management App, and LINE services. From e-commerce payment, identity authentication to bills payment, APIs can meet various business models and customer needs.

  • Open API:
    Bank SinoPac implements open banking in response to the government's "Open Banking" policy and the three-phase rollout of Open API by Financial Information Service Co., Ltd. (Phase I: inquiry into public data, Phase II: inquiry into consumer data, and Phase III: inquiry into transactions). Based on the unified Open API standard, Bank SinoPac works with third-party service providers to create various scenarios in hopes of providing a wider range of financial services information and premium services.

  • SinoPac API Developer Portal:
    This website is specially created for API developers to make financial services more agile. This portal introduces 4 API categories, namely, e-commerce payment, bills payment, identity authentication, and open banking, and API tests to help businesses connect to APIs quickly and access information provided by open banking.

  • Visit "SinoPac API Developer Portal" or contact us to learn more. Let's create a new banking landscape together!

Digital Branch

The first digital branch of Bank SinoPac is located in the Future Venue of National Cheng Kung University (NCKU), which is a conglomeration of humanities and technology. Designed as a user-oriented future bank, the NCKU Branch brings together innovation, digital banking, and technology with an aim to achieve digital transformation. With numerous state-of-the-art facilities set up, users have an opportunity to experience the latest FinTech trends and next-generation banking in the NCKU Branch, making financial services accessible to more people.

  • Remote wealth management services:
    The industry's first virtual financial advisor on a video call allows customers to get professional financial advice at any time without making an appointment or waiting in line.

  • Online VR number-taking:
    Customers can directly take a number online via virtual reality (VR) before heading to the NCKU Branch.

  • Face recognition greeting system:
    The face recognition greeting system will greet customers individually at the door, giving them a unique welcome.

  • eNote (Electronic Notepad):
    eNote electronic notepad is used to promote paperless operations, which can reduce paper consumption, speed up the application process, and improve customer satisfaction.

  • Palm Vein Authentication:
    Palm vein authentication is used for approval of the branch operations. This financial technology not only ensures the security of transactions, but also satisfies customer needs quickly.

Making customer experience priority number one, the NCKU Branch aims to provide financial services more efficiently with digital technologies and redefine the new value of digitization.

  • Asian Banking & Finance (ABF) awarded the "Best Technology & Operations in Taiwan" to Bank SinoPac in the 2020 Wholesale Banking Awards in recognition of its effort to create a venue for cross-disciplinary learning and business innovation and entrepreneurship.

  • Welcome to visit the NCKU Branch to make inquiries and experience digital banking.