We attach great importance to your privacy. When you visit our website, please agree to use all cookies. More information about personal data processing can be found in the privacy policy

Smart Credit System

Digital Bank | Digital Credit
Solution Overview

OneConnect  Smart Credit System offers one-stop financial solutions for the implementation of the retail inclusive financial strategy, helping financial institutions to quickly launch various credit scenarios and improve the efficiency of business promotion. The platform integrates OneConnect’s rich experience in building the financial institution system, and various credit scenario solutions. It covers the whole process before, during and after the loan. In the platform, public, private, and small and micro inclusive customers can achieve the whole-process online development quickly. Its convenient application process, fast approval timeliness, and flexible repayment improve the market competitiveness of financial institutions in an all-round way.

Business Challenges

  • Difficult marketing

    Weak customer access, low conversion rate, high compliance risk.

  • Slow innovation

    Long iteration cycle, vague positioning and invariant products.

  • Weak risk control

    Stagnant strategy, poor approval experience, and difficult data mining.

  • Deficient ecology

    Low docking efficiency, poor effectiveness, and lack of targeted models and products.

Product Solutions

Full-scenario credit solutions for financial institutions

Product Strengths

  • High adaption capacity

    Modular mid-platform with 100 + components flexibly configured to adapt to frequent changes and expansions of business rules.

  • Flexible combination

    Support flexible combination with built-in templates for diverse mainstream scenes, and configurable adjustment/design.

  • Quick response

    The average implementation cycle of standard products is about 4 to 8 weeks.

Customer Cases

  • Assisting a rural commercial bank in Northeast China to achieve business digital transformation

    OneConnect helps a rural commercial bank in Northeast China achieve business digital transformation, and build the its brand as the advanced online banking service provider in local market. The scale of cooperative lending increased by about 3 times in the first year.

    Lending timeliness increase: an average of 1 to 3 days of lending, and the fastest lending in 1H39M;;

    Capacity improvement: Human efficiency has increased from less than 5 orders/person-month to about 20~ 30 orders/person-month;

    Scale improvement: The amount of mortgage lending increased from 1 billion+ to 4 billion+ within one year;

    Risk reduction: The default rate is reduced, with only 3 non-performing transactions per year.

01 / 01
  • Solution Overview
  • Business Challenges
  • Product Solutions
  • Product Strengths
  • Customer Cases

Does this page meet your needs?

  • Yes
  • No
Thanks!

Your recognition and praise will motivate us to better improve the website experience

What do you think are our shortcomings and areas for improvement?

Please select from the following options (multiple choices are allowed):

  • other

Cerification Code