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Direct Bank

Build a channel system in the direction of networking and mobile bank and build a product system in the direction of virtualization, convenience and customer-defined services.

Background

Currently, more than 100 direct banks have been set up in China. However, many of them have deficiencies such as limited types of products, overlapping functions with mobile banking, unclear target customers, and low operational efficiency. Starting from the actual needs of customers and the operational objectives of our banks, financial institutions hoped to achieve the goal of rapid customer acquisition and activation through differentiated products and operational strategies. On the basis of comprehensive learning from the successful industrial experience, the customer hoped to quickly transform and implement the Internet financial strategy step by step.

The common pain points in the development of direct bank business are as follows. 

Scheme Description

To quickly respond to customers' demands, the direct bank aims to improve agile business delivery capability. Adhering to high standards and requirements of standardized business modeling, standardized analysis design, and standardized capability output, we build mid-end by business area to provide scalable system for customers. In addition, we provide reusable service capability for channels and offer scenario-based mid end for the open banking ecosystem. 

Features

    1.Customer at the core: Targeting at becoming the customer's "favorite bank", establish a differentiated strategic positioning. 


    2.Complementary customer positioning: taking the acquisition of new customers as the main goal, focusing on the exclusive customer base, as a supplement to the traditional outlets. 


    3.Exclusive product positioning: customers can open accounts, trade and manage accounts on the Internet. The product categories are small but comprehensive, basically covering the fields of payment and investment. 


    4.Actively cooperate with external parties: establish cooperation with enterprise customers and Internet companies, etc., and strengthen cooperation in payment and settlement, customer settlement, product sales and cooperative marketing, etc., so as to realize benefit sharing and win-win. 


    5.Multi-channel customer acquisition: not limited to direct bank clients, extending customer acquisition to enterprises by providing customers with free enterprise ERP software or financial SDK to enhance the electronic degree of internal management of enterprises, and integrating functions such as salary management and salary payment into enterprise ERP to enhance the stickiness of enterprise customers and acquire a large number of highly active customers. 


    6.Marketing+scenario-specific service for active customers: employees and customers who have obtained customers through in-depth cooperation with enterprises can purchase wealth management products, make transfer payment/fund collection, handle online loans, etc. in the direct bank, and continuously launch high-value/service products to attract customers to use our direct bank services. 


    7.Constructing financial ecological system: a financial ecological circle of enterprises, employees and banks has been created through the coupling of direct bank, enterprise ERP and core business systems of provincial rural credit cooperatives. On the one hand, to a certain extent, it realizes the closed-loop flow of enterprise funds in our bank, and promotes the retention of enterprise funds and employees' wages; On the other hand, through the analysis of enterprise ERP data, we can get a more real understanding of enterprise operation and employee risk status, and provide data reference for credit business expansion and post-loan management. 

Advantages

Our professional business mid-end delivery team has more than 500 members and the R&D team alone has more than 50 members. There are more than 40 cases covering all types of banks, with a complete system of norms, protocols, industry practices and standards. 


Follow the principle of standardization, advancement, extensibility, stability, safety, economization, foresight, stage-based and maintainability. 


In order to ensure that the application system developed on the distributed application system has excellent platform adaptability, we adopt a loosely coupled design scheme. The whole platform is divided into distributed application development, tools, PaaS platform and public components. According to the needs of development, operation, management and monitoring, it is divided into several points of focus. In order to adapt to the construction of various financial infrastructure platforms, for tools, PaaS layer components and monitoring components, we not only build our own products, but also reserve the ability to integrate third-party products. After years of construction and improvement, the Direct Bank has been iterated to version 3.0. It has been put in practice in many large and medium-sized projects, and is now an ideal set of solutions. Compatible with Spring Cloud, Dubbo, Edas, Sofa, HSF and other technical systems; Support integrated container cloud environment. 


Case Studies
A Direct Bank system construction project for a bank

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