Company: SDAWW
Filing Date: 2025-04-28
Form Type: 20-F
Source: 0001213900-25-036086
Chunk: 140

Company: SunCar Technology Group Inc.
Filing Date: 2025-04-28
Form: 20-F
Item: Item 5
Chunk 140
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 pool and years of experience and industry knowledge from our management team.

Our Technology

We believe that the success
of our business is dependent on our technological capabilities which support us in streamlining workflow, delivering superior user experience,
securing information on our platforms, increasing operational efficiency and enabling innovations. Our cloud-based digital platform is
the foundation of our operations, and supports our entire transaction process. We adopt AI, hybrid cloud, big data and scalable technologies
to continuously and iteratively upgrade our systems. We have developed our digital systems and relevant online software and apps, which
include our hybrid cloud, online insurance interface, our auto apps, our order allocation system, the auto service modules imbedded in
the apps of our enterprise customers and various desktop and mobile applications utilized by our employees, clients and partners. Key
components of our technology systems include:

  Plug-in and flexible implementation: Our digital system empowers our enterprise customers with capability to implement the service solutions rapidly and cost-efficiently, with an average implem...  
  Secured Hybrid Cloud and Data: We developed our hybrid cloud to support our multi-tenant digital platform which process massive transactions every day. Since many of our customers are banking, ...  
  Innovation: We continue investing in R& D for innovative solutions for our customers and partners. Our auto eInsurance solution helps end customers finish the insurance purchase process within ...  
  Automation. We maintain a highly automated management process. For our auto eInsurance business, we imbedded modules with functions including real-time insurance premium quotes inquiry and unde...  
  Managing complexity. We believe our multi-tenants digital platform plays a critical role in managing the growing complexity of our business while meeting customer expectations. We are working w...  
  Cyber resilience. We have adopted various IT safety measures to enhance our information security, including firewalls, data encryption and intrusion detection. We utilize multiple data centers ...  

SunCar’s Hybrid Cloud Platform

As core infrastructure of
SunCar digital platform supporting various internal and external systems and to realize intelligent auto services and efficient online
auto insurance, the Company has established a hybrid cloud platform to host massive data from online and offline business activities.
SunCar developed the hybrid cloud platform with the assistance of a third-party cloud service provider in 2022. In 2022, the hybrid cloud
platform has substantially completed development and entered regular operation and use.

The SunCar hybrid cloud perform
as a digital base to bring various auto services from nationwide service providers and insurance products from mainstream insurers to