Financial IT Core Business
The Core of New Generation of Auto Finance
This platform is aimed at auto finance business scenarios to achieve efficient and stable operation, effective customer management, ease for rapid innovation on auto finance product and create ultimate user experience with the platform.
Product Features:
Business center + data center
Open source distributed architecture
Separate front and back end design
Digital operation center
Mobile Banking Platform
With increasing transaction under mobile banking over the years, it has become an important channel for financial institutions and convenience tool for users to perform financial transactions. In order to stay on top of industry trends, mobile banking products need to constantly innovate, tap on new functions and strive to increase customer base.
Product Features:
Order Mode
Unified View Management
Rapid Product Innovation
Common Business Processes
Core Functions:
Login and Registration
Home Page
Product Shelf
Shopping Cart
My Center (global view display of customer assets, liabilities, etc.)
New Generation Bank Core Platform / Next Generation Core Banking Platform
The new generation bank is designed based on customer-centric strategy with the purpose of keeping up with current rapidly evolving market dynamics.
Core functions:
Public Administration
Customer Management
Product Management
Transaction Management
Financial Product and Accounting
Credit Management
Bill Management
Risk Management
Wealth Management
Partner Management
Data Application
Internet Financial Platform / Digital Finance Platform
Digital Finance Platform helps commercial banks achieve innovation on user experience and service models, target market segments, introduce partners with open platform, cross-border connection and service sharing in financial services.
Product Features:
Payment Security
Diversified Payment Services
Risk Control System
Flexible Multi-legal Resource Sharing
Open Multi-channel Integration
Fast Product Release and Contract System
An Intelligent Business Hub
Large Retail Marketing Management Platform
The retail marketing management platform provides multi-faceted one-stop financial services, which allows multi-channel connectivity and coordination, one-stop marketing and sales, rapid product innovation and release, display interaction channels, and establish a data model to improve the overall service efficiency.
Product Features:
Integration, labelling and refinement of customer information
Marketing linkage, standardization and intelligence
Product labeling, gradient and combination
Complete, automated and intuitive performance information
Channel coordination, mobilization and operation
Microfinance Service Platform
Microfinance is a financial service that targets individuals, small and medium-sized enterprises by utilizing Internet, big data, etc. to help them with building customers multi-dimensional portraits, customer ecosystem, online and offline integrated business system and provide targeted customers with proactive, effective and accurate financial products and services.
Product Features:
Improve customer service ability
Improve business operation capability
Trading Center
Trading center is a part of business hub layer and system support for the entire process of financial product sales to customers.
Product Features:
Standardized transaction processing procedures
Customer-centric system with great recommendation on cross-product, multi-dimensional, diversified, and market-oriented unified pricing strategy.
Achieve customer-oriented diversified product and promotion strategy
Manage the delivery of various financial products
Improve customer transaction experience based on shopping carts
Customer-oriented unified risk control capabilities
Innovative online transaction model based on demand quotation model
New Bank Counter Platform
The counter system has changed its positioning from traditional business entry into integrated management with integrated equipments all around and comprehensive control on the operation of the branch. It also optimized the business process of counter system, promotes construction of counter system, support shopping cart and business routing function, explore paperless service model, improve work efficiency, service quality, customer satisfaction and reduce the cost of maintenance and training.
Main function:
Customer Management
Account Management
Payments Transactions
Operation Management
Loan Services
Integrated Services
Bill Business
Intermediate Business
Report Business
Credit Business
Debit Business
General Business
Business Operation Platform
This operation platform includes internal management and daily operational management of the bank.
Core function:
Business hub: customer management, product management, transaction management, accounting management
Business operation: sales management, pre-loan management, post-loan management, partner management, risk management
Financial workshop: deposit and loan product workshop, wealth management workshop, financial IC card
Business support: identity management, organization management, security management, seal verification, signature, identity verification, SMS
Data application: customer analysis, reporting platform
Basic platform: Provide portal-level function integration, support various business systems to integrate various back-end system functions in different integration forms, the system supports deep system integration through the interface level, and shallow integration of single sign-on mode; and provides platform-level integration The integration service controls the general attributes of each system, such as the authority control system, security system, process processing mechanism, authorization mechanism, and printing mechanism.
Unified Security Platform
The unified security platform is in the operation support layer in overall structure of medium and large sized financial institutions and enterprises. The security services provided mainly include: certificate management, payment password-related, signature verification, SMS verification code, encryption and decryption services, fingerprint database authentication, face recognition and iris recognition.
Core function:
Cryptographic Operations
Secure Media Certification
Key Management
Security Service SDK
Security Strategy
Unified Payment Platform
The unified payment platform realizes the standard process of payment transactions and supports multiple payment instruments, multiple currencies, multiple channels and multiple settlement methods.
Core function:
Payment Management
Routing Management
Protocol Management
Product Management
Reconciliation Management
Clearing Management
Risk Management
Operation and Maintenance Module
Unified Authentication Platform
This is positioned as enterprise-level unified authentication management platform, which centrally manage user information and user login roles permission, provides unified authentication services including login verification for management and customers through various electronic channels. This can be applied to financial industries for identity authentication as well as internal staff management for SMEs.
Core function:
User Management
Authority Management
Authorization Management
Login Method Management
Policy Management
Data Synchronization
Unified Collateral Platform
Collateral management is the foundation of bank transformation and development. It allows the establishment of standardized and rigorous electronic collateral information management process, integrate bank collateral information, gain dynamic assessment and accurate measurement of collateral value and ensure collateral risk can be estimated in timely manner.
CORE FUNCTION:
Risk Mitigation
Control access for collateral and appraisal institutions
Record valuation and results in the value assessment stage
Review and identify the valuation
Guarantee schemes and collateral guarantee capabilities are approved within control
Collateral establishment must go through complete collateral Establishment procedures and warrant management
Post-loan collateral management further provides risk control
Metric Management
Tool certification
Model evaluation
Risk mitigation capability
Customer Information Management
Management of professional guarantors, businesses and individual guarantors.
Unified Quota Platform
This product is mainly tailored to the requirements of domestic joint-stock banks and city commercial bank customers, and can help customers quickly realize the unified quota of bank’s management.
Products Features:
Bank-wide unified management
Full life cycle management
Portfolio management, limit management
Market-oriented, customer-oriented, product oriented
Simple to use and maintain
Core function:
Quota Status Management
Quota Control Management
Quota Information Management
Quota Product Management
Post-Loan Management Platform
This product is meant for risk classification, risk management and control, asset preservation, and collection management. The purpose of post-loan management platform is to greatly reduce the complexity of post-loan management for bank business personnel and increase effectiveness on the operation.
Core function:
Collateral value monitoring, value revaluation management
Receivables collection management
Customer return visit, inspection and other activities management after loan issuance
Loan asset quality analysis
Classification management
Financial Open Platform / Open Finance Platform
Open finance platform has allow banks and other financial institutions to share data through standardized APIs (Application Programming Interface). The purpose is to increase customer acquisition channels, marketing methods, and enhancing bank’s core business capabilities.
Product Features:
Development System
Operation System
Monitoring Operation
Maintenance System
Core function:
Portal Management
Service Gateway
Security Control
SDK (Software Development Kit)