Provincial Commercial Bank: Financial-Grade Cloud-Native Platform & Distributed Core System
In 2020, the bank launched a new five-year strategic plan aimed at rebuilding its core systems using a next-generation cloud-native platform. This transformation was intended to strengthen capabilities in data integration, customer engagement, business innovation, risk detection, and operational precision—while reducing operating costs, boosting service efficiency, and nurturing talent.
As part of this strategy, the bank initiated the development of a Financial-Grade Cloud-Native Technology Platform and a Distributed Core Business System to accelerate digital transformation and technological innovation.
- 01High Technical Management Risk
The project adopted cutting-edge technologies such as cloud-native and distributed architecture. However, few industry references existed, and the complexity of components made integration and management highly challenging.
- 02Limited Practical Usability of Emerging Tech
While many domestic innovations had reached basic usability, most were still in pilot phases. There remained a significant gap in achieving secure and user-friendly solutions.
Leveraging a microservices-based architecture aligned with distributed and cloud-native principles, the platform enabled rapid design, development, deployment, and troubleshooting. It supported containerized migration of services and seamless integration with legacy systems.
Capacity：
· The system was designed to meet business demands for the next decade, supporting 5 million daily active users, 50 million retained customers, and up to 300 million accounts. Even at peak, CPU and memory utilization remained below 60%.
Performance：
· Average response time remained under 200ms during peak concurrency, while the core transaction system processed up to 50,000 transactions per second with a 99.999% success rate.
Disaster Recovery：
· The solution met Tier-5 standards for both local and remote disaster recovery. Real-time replication ensured zero data loss (RPO=0) and immediate recovery (RTO=0).