Cloud native core system platform provides basic services such as deposit and loan, customer information based on distributed architecture, including over 300+ basic APIs and intelligent parameter operation system to provide core operation platform for digital banks, achieving 3 core values of "simpler, smarter and better experience" for digital transformation of banks.
Business Challenges
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Difficult O&M
Large performance bottlenecks: traditional architecture is facing huge challenges with 20-100 TPS being difficult to support high concurrent innovative business; High O&M costs: ¥20-100 per account with 10-20% server utilization
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Weak innovation
Slow product launch: the launch of new products under traditional core system takes up to 3-6 months, affecting the ability to capture market opportunities. Slow progress of digital operation: rapid expansion of ecological scenario applications has higher requirements for open ecological construction based on standard API
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Poor experience
Long construction cycle: the construction cycle for digital transformation and migration of old systems is long. Usually 200+ systems are intertwined and the transformation takes a long time (more than 3-5 years is common). There is slow progress for business operations and huge pressure on IT departments Customize
Cloud native core system platform includes deposit accounts, loan accounts, separate accounting, customer information, ODS, reporting, core API
Payment platform includes payment process management and processing, appointment transfer, payment voucher management, reconciliation, error handling
OpenBank API supports banks and partner service providers to combine and apply application programming interface (API), software development kit (SDK), HTML5 front-end technology page (H5), etc. in different application scenarios.
Customer Cases
- Solution Overview
- Business Challenges
- Product Solutions
- Product Strengths
- Customer Cases
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