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Industry SolutionsRegional Commercial Bank: Full-Stack Distributed Core System for Financial Service Modernization
Regional Commercial Bank G recognized in recent years that its existing IT systems were increasingly inadequate to support its evolving business and innovation goals. From a technical perspective, the bank urgently needed upgrades in architectural modernization, DevOps toolchain integration, agile delivery, development efficiency, and system migration. From a business standpoint, areas such as precision customer management, data asset utilization, risk detection, regulatory compliance, and operational refinement were all constrained by legacy systems.
As a result, the bank prioritized reconstructing its core system, marking a major shift in its technology roadmap. The new generation of the core banking system is built on a domestically developed distributed database as the foundation for core transactions. Designed with future demand and innovation in mind, the bank implemented full-stack upgrades from hardware and basic software to applications—supporting all business scenarios and laying the groundwork for a robust innovation ecosystem.
As the most critical component of a bank’s IT architecture, rebuilding the core system involved not only transforming the core itself but also revamping a vast number of peripheral systems and business processes. As China’s first full-stack distributed core banking project for city commercial banks, the team tackled major technical challenges through collaborative innovation, trial-and-error iterations, and knowledge accumulation—ultimately creating a nationally replicable benchmark.
The core system was built on an open, distributed architecture using domestic hardware and software, ensuring high reliability and security.
A synchronized cold data store and failover validation mechanism were implemented to ensure disaster recovery and business continuity.
Upstream and downstream system interfaces were adapted using front-end and back-end core conversion platforms, enabling a smooth transition without requiring changes to external systems.
Early-stage prototype validation and full-stack system testing ensured technical feasibility, including multi-core support and stack-wide migration.
• The bank’s daily transaction processing capacity has increased significantly. Under the scenario of testing with 70 million accounts across 44 servers, average account-related transaction response time is under 230 milliseconds, with TPS exceeding 20,000.
• While meeting transaction response time and concurrency requirements, 7×24 stability testing achieved a success rate of 99.999853%.
• End-of-day batch processing performance has improved significantly, with regular processing completed in under 50 minutes and final settlement completed in under 120 minutes.
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