Ngokuka Xie Yonglin, i "Five-in-One New Model" isebenzisa itekhnoloji ukunciphisa iindleko zokufumana imali ngaphandle, kwaye inceda abantu ukuba baphumelele ubomi obungcono ngemali ezibandakanya; ngaphakathi, iteknoloji isetyenziselwa ukugxila kubomi obupheleleyo Umjikelo wabathengi, ngexabiso eliphantsi, ukusebenza ngokukuko, kunye nokwenza umsebenzi olungileyo kulawulo lwephepha lomncono womthengi ngomgangatho. Ngokukodwa, i-Ping An Bank igxile kwezi zenzo zilandelayo: Okokuqala, idale "indawo yokuhamba kwezithuthi" enxityelelaniswe ngokubanzi ukuphucula umgangatho kunye nokusebenza ngokufunyanwa kwabathengi. "I-Five-in-One New Model" isebenzisa ukubhenka okuvulekileyo ukwakha i-ecosystems kunye nemiboniso kunye namaqonga ezithuthi angaphandle. Xa kuthelekiswa neendlela zokufumana abathengi zemveli zokuthenga i-traffic, imodeli edibeneyo yeshishini inomgangatho ophezulu wokufumana abathengi kunye nokusebenza ngokukuko.
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