The ORIGIEN Cloud-Native Distributed Core Banking System leverages the latest technological advancements in distributed systems, microservices, and intelligence, offering an innovative design to create a cloud-native, distributed, and digital core banking system.
In recent years, as digitalization accelerates in the banking industry, core systems—being the foundation of a bank—need to meet multiple demands such as rapid business innovation, flexible technology architecture expansion, and network security. Traditional core systems can no longer meet these needs, making the construction of a "next-generation" core system essential for the bank's transformation.
The ORIGIEN Cloud-Native Distributed Core Banking System is based on enterprise architecture principles, guided by business modeling and domain-driven design. It builds scenario-based service combinations, a solid public capability core, and plugin-based business services. The system includes a three-layer business architecture and 15 microservices, each independently deployable and operable, providing banks with flexible business expansion, system integration, and ecosystem openness capabilities.
The scenario-based service combination achieves process orchestration and business assembly tailored to customer needs and business scenarios, offering high business elasticity and enabling customer-centric approaches. The public capability core provides essential business support, including product, pricing, accounts, and accounting, enabling agile innovation in bank services with high cohesion, loose coupling, and reusability. Plugin-based business services offer flexible choices, supporting interchangeable product-level features and facilitating the rapid introduction of new products and services for future business development.
The system is designed with a distributed architecture and implements full-stack autonomous innovation. It operates on the China Electronics Financial-grade Digital Infrastructure “ORIGIEN” and can openly interface with third-party PaaS platforms. It supports cloud-native, modular, multi-site, multi-active distributed deployments, offering high performance, stability, availability, reliability, security, and dynamic elastic scalability. These innovative technologies provide critical core banking processing capabilities for financial institutions.
Empowering Agile Business Innovation for Banks| Using enterprise architecture principles and business modeling techniques, the system achieves deep integration of business and technology, ensuring that microservices align with banking business capabilities. It forms a high-cohesion, low-coupling, and reusable enterprise-level core banking middle platform, enabling agile front-end innovation and providing highly personalized services driven by customer experience. This strongly supports financial innovation and promotes business agility.
Achieving Full-Stack Migration of Core Systems| A new full-stack distributed core construction system was proposed, covering "business modeling → design and development → full-stack adaptation → data standardization → seamless external integration → system smooth switching → online data migration." This new approach and implementation process, supported by related production lines and end-to-end toolchain systems, solves key system construction challenges, such as business and technology integration, full-stack migration of critical applications, data governance implementation, complex external system modifications, and high downtime switching risks.
Supporting Core System Migration to the Cloud| Using a layered architecture that decouples business implementation from the technical platform, leveraging the distributed architecture, containerization, and microservices provided by the ORIGIEN Financial-grade Digital Infrastructure, the system embraces cloud-native technologies. It has completed production-level adaptation with various cloud platforms and has been implemented in several banks, achieving true migration of core systems to the cloud.
- Supported by mature research and development capabilities, continuous innovation is driven for core system products.
Supported by mature research and development capabilities, continuous innovation is driven for core system products.
- Core products combined with ORIGIEN Financial-grade Digital Infrastructure and integrated toolchain support.
Core products combined with ORIGIEN Financial-grade Digital Infrastructure and integrated toolchain support.
- Using architecture design principles that respond to business changes to achieve integration of business and technology in enterprise architecture.
Using architecture design principles that respond to business changes to achieve integration of business and technology in enterprise architecture.
- Provides foundational operational support through ORIGIEN Financial-grade Digital Infrastructure.
Provides foundational operational support through ORIGIEN Financial-grade Digital Infrastructure.
- Integrates platform engineering and toolchains to support the reconstruction of applications, enabling business-technology integration.
Integrates platform engineering and toolchains to support the reconstruction of applications, enabling business-technology integration.
- Creates a layered application architecture based on business modeling results for structured management.
Creates a layered application architecture based on business modeling results for structured management.
- Combines system functionality to form business capability enhancement solutions, helping banks reduce costs and improve efficiency.
Combines system functionality to form business capability enhancement solutions, helping banks reduce costs and improve efficiency.
- Avoids future technical risks through extensive topic accumulation and design verification mechanisms.
Avoids future technical risks through extensive topic accumulation and design verification mechanisms.
- Uses unique implementation techniques to ensure the progress and stability of the project.
Uses unique implementation techniques to ensure the progress and stability of the project.
