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Development of a financial data marketplace and precision financial analytics system for a major state-owned commercial bank

Client Background

With intensifying industry competition, deepening financial disintermediation, ongoing interest rate liberalization, and increasingly stringent regulatory oversight, Chinese banks are shifting from extensive, scale-driven growth to an intensive, digital, and value-oriented development model—establishing a customer-centric, product-driven digital business approach.

To support this transformation, banks must unlock the value of their data at the most granular operational level, enabling digital information support and management tools for strategic decision-making, performance management, risk-based pricing, resource allocation, and cost control.

Solution

Refined Cost Accounting Digital Management Metrics System Five-Dimensional Value Contribution Assessment Digital Reporting Financial Data Marketplace

Refined Cost Accounting

Implements cost accounting models based on account-level data to allocate risk costs, operating costs, capital costs, and more.

Digital Management Metrics System

Centered on key indicators such as EVA and RAROC, the system builds a comprehensive digital financial metrics framework with over 1,000 indicators across more than 100 dimensions and tags, covering diverse financial management scenarios.

Five-Dimensional Value Contribution Assessment

Conducts profitability analysis across multiple dimensions—including institution, business line, product, and customer—using “account” as the minimum analysis unit, offering strong decision-making support for business management.

Digital Reporting

Provides graphical reporting on institutional performance, business unit reports, product profitability, account profitability, budgeting, and forecasting. These reports support strategic planning, customer pricing, peer benchmarking, resource allocation, incentive design, product pricing, and capital constraint analysis.

Financial Data Marketplace

Delivers capabilities across data integration, visualization, and governance. The presentation layer includes the marketplace portal, data entry platform, KPI management, and executive dashboards, addressing the data needs of all financial applications and value management functions within the bank.

Results

Unified Data Management

Sources raw data from the big data platform, processes and aggregates it to create standardized financial-caliber data, establishing a unified entry and exit point for financial data.

Unified Metrics Management

Standardizes financial metric definitions, processing rules, and dimensions, achieving consistent and standardized financial indicators across the organization.

Support for Refined Management and Decision-Making

The platform enhances performance analysis and evaluation, boosts product management capabilities, enables input-output analysis across the value chain, and delivers timely, accurate decision support to executives.

Operational Cost Optimization

Strengthens accountability, streamlines business processes, and optimizes cost-to-resource ratios. This improves operational efficiency, reduces costs, and enhances resource allocation and return on investment.

Recognized Innovation

The solution is built on a Vertica columnar storage architecture and has been recommended for internal scientific and technology awards, including the prestigious Pangu Award from China’s electronic information industry.

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Development of a financial data marketplace and precision financial analytics system for a major state-owned commercial bank

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