Lead Bank is a classic case of "old wine in new bottles," but this time it’s exceptionally successful. It has proven through practical actions what it means for a bank to suddenly have the brains of a tech company—its explosive power can directly rewrite industry rules.

Let's start with the most core point: proprietary technology is the true moat of financial technology.

Most so-called Neo Banks on the market sound innovative, but in reality, they are just repainting a dilapidated house. Changing the interface, swapping the name, but the underlying logic remains the same old stuff. Lead Bank’s strength lies in this—rather than rushing to pile on features or users, it is rooted in technology. From core systems to risk control engines, everything is built in-house. This is not just a technological choice but a strategic one. While others are still using off-the-shelf solutions, Lead Bank is already building its own engine.

The benefits of this approach are obvious. First is responsiveness. Self-developed technology means you can change whatever you want, without having to consider others’ reactions. When new market opportunities arise, competitors are still waiting in line for vendor responses, Lead Bank has already gone live. Second is cost optimization. In the long run, although initial investment in self-development is high, every customization and optimization later becomes an asset owned by the bank.

Ultimately, in the game of financial technology, the true winners are never those who focus solely on how beautiful their interfaces are, but those with a solid underlying architecture. Lead Bank proves this with data and user growth.