Bank SinoPac's integrated digital account "DAWHO," is designed around the needs of younger generations by integrating core functions and innovative services, including deposits, wealth management, foreign exchange, securities, credit cards, personal loans, and mortgages. It also integrates with SinoPac Securities’ “DAWHOTOU” to build a smart financial ecosystem.

Through Orbit.AI’s Investment Crystal Ball technology, the DAWHO App provides the Investment Market Barometer function, offering real-time market updates, trend analysis, and investment information to help customers stay informed about global market developments. To promote the development of sustainable finance, the DAWHO Debit Card is made from environmentally friendly PETG materials, making it an eco-friendly digital account.

SinoPac Securities became the first in the industry to launch the “online account opening” service with the unique feature of applying for 6 accounts in 3 institutions in 1 application. SinoPac Securities launched the "DAWHO+DAWHOTOU" online account opening service in 2019. It became the first joint account opening application and account opening progress inquiry service for both banking and securities in the industry. In 2022, SinoPac Securities further partnered with SinoPac Inv. Service to integrate online account opening services into the membership application process. Upon completing the account opening process, investors will have access to six banking, securities, and membership services, including an NTD savings account, foreign currency savings account, and trust account with Bank SinoPac; a domestic trading account and sub-brokerage account under SinoPac Securities' "DAWHOTOU"; as well as membership with SinoPac Inv. Service and launch the integrated bank and securities account inquiry service thus increasing the convenience of fund planning. The "DAWHOTOU" App launched in 2021 provides innovative features, including "Smart Order," "Chip Analysis," “Lightning-Trade System” and the "AI Market Sentiment Analysis" and continues to optimize its services to help investors grasp key market dynamics and enhance their trading experience.

In response to the Financial Supervisory Commission's open banking policy, Bank SinoPac released the Partner APIs (Application Programming Interfaces), and shared financial innovations with startups and third-party service providers (TSP), providing extension applications in "corporate banking," "consumption payments," "daily life payments," "identity verification," and "open banking," which extend financial service scenarios to increase financial inclusion.

SinoPac Securities developed multiple APIs for transactions and provides quotations, orders, report, and historical price data services for domestic and overseas securities, futures, and options markets. SinoPac Securities continues to work with several FinTech companies, and also hired program trading experts with diverse specialties to help clients solve program development problems.

Bank SinoPac 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 and multiple payment items. Bank SinoPac adopt international FIDO biometric verification standards and continues to expand the scope of payment services and provide consumer services for diverse settings. The App provides the safest and most convenient payment services and realizing zero contact online financial services.

The SinoPac Donation Platform utilized the collection API to integrate Bank SinoPac's "funBIZ" and "DACARD Paybill" cashflow services. Organizations receiving donations simply convert donation URLs into QR codes, and donors can easily online donations by scanning the QR code with mobile phones. The system selects the payment service with the lowest cost to significantly lower processing fees.

The SinoPac Donation Platform features include diverse payment methods, account management system, and low implementation cost. Bank SinoPac hopes to systematically and effectively improve the organizational abilities of charities through products and services, and resolve the difficulties that medium and small charities facing in fundraising due to the low brand exposure.

Bank SinoPac launched the Orbit.AI service in 2024. It applies generative AI technology to integrate news databases from domestic and international media platforms, reading news data and combining it with qualitative discussions and quantitative data. It adds time sequence, news weighting, and professional outlook of the SinoPac Group to formulate directives for rewriting text to produce important market information. The service provides trends in multiple markets (Taiwan, the United States, China, Japan, India, etc.) to help customers grasp the trends.

Bank SinoPac "ibrAin" provides automated investment advisory services with the best algorithms and big data precision computing for the public to access digital management services. It uses a brand-new AUM pricing and charging model with low barriers to entry and low fees to realize universal financial services and create a friendly investment experience.

With generative AI (GAI) as its core, Bank SinoPac launched Taiwan's first conversational financial service in 2025. It transformed traditional transaction processes by enabling customers to easily complete deposits, withdrawals, transfers, and remittances through a single interface. It also supports three interactive modes with voice, text, and images to deliver a natural, effortless, and personalized financial experience.

SinoPac Securities integrates account opening, AI services, orders, and performance management, and provides a trading platform for stock savings in Taiwan and U.S. stock markets, so that investors can invest in stocks in different markets.

SinoPac Securities is the first in the industry to use the concept of "uninterrupted digital services" and links three major services including online account opening, product trading platform, and financial education materials. The platform provides investment knowledge through text, audio, and videos to help investors understand capital markets and sustainability-related investment topics.

SinoPac Securities integrates the research and evaluation results of its subsidiary, SinoPac Inv. Service. The “Rich Club ESG website” features five major highlights: the SinoPac⁺ ESG Rating System, the SinoPac ESG Investment Portfolio, the SinoPac ESG Sustainability Fund Series, ESG funds, and trend insights. It is the first securities firm in Taiwan to launch a dedicated ESG website.

SinoPac Securities launched “DAWHOFONE” App is the first smart wealth management App in the industry. It is based on the core concept of "AI X Allocation Makes Portfolio Perfect" and uses digital intelligence services for wealth management to help investors configure the investment weights of various types of assets and optimize the efficiency of asset accumulation.

SinoPac Securities applied to the FSC for a FinTech regulatory sandbox case. The stock gift cards are issued and sold in electronic form and their face value can be converted into available funds for stock transactions under the "Rich Saving Club," including stock settlement payments, handling fees, and transaction taxes. The stock gift cards were officially launched in May 2026, marking the beginning of a new era of stock gifting for the general public.

SinoPac Securities established the quantitative trading experience venue "SinoTrade Space" in 2024. It is committed to building a new offline ecosystem, promoting quantitative trading, and supporting financial inclusion. Centered on the concept of “online-to-offline integration,” the venue features three innovative functional areas: research and development exchange, quantitative trading experience, and an intelligent financial product allocation and management platform. By integrating online digital services with offline interactions, it provides a shared physical space for quantitative trading investors to learn together.