ORIGIEN Next-Gen Digital Infrastructure
Distributed Core Banking System
Distributed Financial PaaS
Data Middle Platform
Digital Marketing
Risk & Compliance
Payment & Settlement
Channel Solutions
Credit Management
Transaction Banking
Open Banking
Digital Operation
QA Platform
AI Applications
Industry SolutionsNew-Generation Core Banking System for a Provincial Rural Credit Union
The client operates over 5,000 branches, employs more than 20,000 staff, and manages 120 million accounts. Its legacy core banking system was outdated and unable to support new business models amid the impact of interest rate liberalization and internet finance.
Extensive custom business across departments and branches, with inconsistent data standards;
Each transaction system operates with its own independent accounting model;
Product innovation capacity needed enhancement;
Product iteration cycles were too long;
The institution needed more flexibility to respond to interest rate liberalization;
Transaction throughput capacity needed to be significantly improved.
Built a secure, efficient, open, and scalable next-generation core system centered on customer needs. On top of existing services, the system was redesigned to support product industrialization, interest rate marketization, data standardization, integrated domestic and foreign currency processing, and refined accounting, aligned with the strategic transformation goals of the next 5–8 years.
Built to support Type II and III internet bank accounts with highly parameterized and productized capabilities. Horizontal database partitioning ensures high concurrency and availability, designed to meet both internet application scenarios and enterprise-wide account architecture requirements.
Achieved complete decoupling between transaction processing and core accounting, with support for transaction logs, journal entries, and asynchronous/real-time clearing based on a unified accounting framework—interfacing seamlessly with multiple internal systems.
Established enterprise-wide data standards and completed standardization throughout the project lifecycle;
Built a unified accounting framework, resolving issues of fragmented accounting and disorganized data across systems;
Enabled end-to-end product lifecycle management: from concept and requirement gathering to setup, sales, analysis, and retirement;
Improved agility—modular and microservices-based design allows for rapid response to business needs and market dynamics;
Integrated pricing center with product innovation platform to support interest rate liberalization and respond flexibly to market fluctuations;
Transaction processing capability reached 9,000 TPS;
End-of-day batch runs completed in 30 minutes on regular days, and in 70 minutes on interest settlement days.
