3.2 Innovative Digital Finance

Dedicated to meeting customer demands, PSC continues to develop professional and diverse financial products and services while rigorously controlling investment risks. Moreover, the Company strictly complies with regulatory requirements and marketing regulations when providing products and services. Risk warnings are clearly displayed on promotional materials, and product information is fully disclosed. Through professional investment planning and comprehensive services, PSC provides customers with one-stop financial services. Furthermore, as the social environment continues to evolve, PSC leverages its organizational resources to improve accessibility and financial inclusion in securities and financial services. This ensures that financial services are no longer out of reach for various segments of the population, making convenient financial services available to all.

To enhance the convenience and completeness of customer access to financial information, PSC plans to launch digital financial services featuring information transparency and speedy transmission through four digital channels: the electronic trading platform, web platform, wealth management trading system, and social media. In the future, PSC will continue to optimize our services based on the four major digital platforms, providing high-quality financial services to each and every customer.

3.2.1 Electronic Trading Platform

To meet clients’ needs for new services, PSC is dedicated to digital transformation with the development of digital online services as our primary goal. We have integrated securities, futures, options, stocks in the emerging stock market, sub-brokerage, and overseas futures trading systems and optimized online services and offline operating processes. The percentage of electronic transactions of the Company's overall transactions has increased from 74% in 2021 to 79% in 2022.

We have established different trading platforms for clients with different trading habits as follows.
1. Traditional order placing by phone.
2. AP online order placing app, featuring precise quotes and fast order placing speed.
3. Online order placing without a need to download a system.
4. Mobile app for order placing at anytime and anywhere.

E-Investment App

The E-Investment app developed by PSC underwent a major overhaul and was relaunched by the end of 2022. The upgraded app not only integrates comprehensive services such as market analysis, information, trading strategies, and order placement but also introduces exclusive features like Chip Overview and Brokerage Branches. These additions make stock selection much easier for investors. In the past, investors often needed multiple apps to complete stock selection and trading, which was timeconsuming and inconvenient. The revamped app breaks these limitations by consolidating all services under the E-Investment app. Investors can now trade securities, options, funds, foreign stocks, and futures online. Foreign bonds and structured products are also introduced in the app as it is gradually becoming a financial department store where customers can access various financial products all at once. Additionally, it is equipped with the social media login feature, allowing even non-PSC customers to access PSC services.

3.2.2 Web Services

PSC Warrants Website

The first PSC warrants brokerage price trial calculation with open and transparent market making volatility

We disclose the most complex and the least transparent market-making volatility on the PSC Warrants Website every day. Clients can calculate a reasonable price for their resting orders in real time through our warrant brokerage price calculator to have a smooth investment process.

ETN Financial Information Website

To facilitate clients’ investment process, we aim to continue to develop a website covering all product information and providing complete product information, product feature pages, and product direct mails, and introduction videos to achieve financial inclusion. PSC has issued a total of 10 ETNs, including domestic and overseas constituent ETNs, covering the topics of U.S. technology, Taiwan 5G, U.S. government bonds, and Asian semiconductors, allowing investors to have more diverse investment options and keep up with global trends without using foreign currencies.

Customer Service Center

PSC’s customer service center on its official website provides a variety of services that are compatible across different platforms and web browsers. Customers can find solutions to common issues categorized under topics like Popular Online Account Opening, Digital Accounts, PSC e-Gold Accounts, and Trading-related Matters. Furthermore, customers can gauge the popularity of these topics based on the number of clicks and use keywords to quickly search for answers. The Company will continue to adjust the way documents are displayed based on customer feedback, offering solutions for various platforms with detailed visual and textual explanations to promptly address customer inquiries.

Online Signing Service

To provide better services, we have revised and optimized the online signing section and classified documents by the types of risk disclosure statements; we have also added title, number, quotation marks, and a button to check the signing qualifications in the signing interface, allowing investors to search for information more quickly and understand the signing information and the correlation between products to be traded. In addition, the Statement of Brokerage in Person Without Authorization” which is signed by investors online will be valid for one year, which can effectively improve the convenience of customers.

Friendly Financial Services Section

To implement financial digitization and provide a user-friendly online environment, PSC has established the PSC Financial Friendly Services Zone in accordance with the website accessibility guidelines of the National Communications Commission (NCC). This initiative aims to reduce difficulties that users may encounter when using online applications, making it more convenient for customers to access online services and thereby vitalizing financial services. In 2020, the Company established the Financial Friendly Services Zone in compliance with the Website Accessibility Development Guidelines 2.0 and obtained the Level A website accessibility certification label from NCC. In 2021, we introduced senior-friendly features, allowing users to adjust font sizes according to their needs.

3.2.3 Wealth Management and Trading Website

PSC has undergone transformation into an institution with diversified wealth management and investment services, providing clients with one-stop services to purchase all investment products at a go. We have established a wealth management and trading website, allowing clients to easily place orders to purchase a variety of fund products and integrate all details of their assets at PSC, including domestic and foreign funds, domestic structured products, foreign bonds, trade in-transit, Taiwan stocks, and foreign stocks. This allows clients to keep abreast of their asset allocation at any time. As of the end of December 2022, the number of trust clients has reached 27,193.

3.2.4 Social Media

In response to the growing popularity of digital order placing, PSC has been dedicated to the development of trading platforms on digital and social media platforms, as well as continuously improving and upgrading system functions to meet user expectations.