Transforming a Provincial Rural Commercial Bank’s Core Banking System from Mainframe to Cloud-Native with Resilience
A major bank in Sichuan, China, with over 2.4 trillion RMB in assets, 100 million customers, and 200 million accounts, faced rising IT costs and performance limitations from its mainframe-based core (COBOL, DB2, zOS). The bank sought a forward-looking, cloud-native solution to support the next 20 years of growth, innovation, and regulatory resilience.
- 01
High IT maintenance cost + Mainframe operations consumed up to 70% of total IT spend.
- 02
Disaster recovery gaps + City-level DR failed to meet resilience requirements.
- 03
Talent shortage + Scarcity of COBOL developers threatened sustainability.
- 04
Rigid monolithic architecture + Limited flexibility to support new business needs.
- 05
High modernization risk + “Big bang” replacement could disrupt critical banking operations.
- 06
Compliance and governance + Lack of audit-ready transparency for regulators.
Business modeling with direct executable model + Applied BTI Toolchain to align requirements, design, and coding with traceability.
The bank achieved a 30% reduction in construction costs and 30% lower cost-per-transaction. System throughput exceeded 5,400 TPS with average response times under 200ms, supporting 200 million accounts in batch processing under 60 minutes. Modernization enabled parallel online customer migration, ensuring zero business interruption. The new platform empowers rapid product innovation, regulatory compliance, and sustainable growth - transforming the bank into a cloud-native, digitally resilient institution ready for the years to come.