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.