Empowering traditional banks to rapidly establish internet banking services and operational systems.
GienTech´s Internet Banking Platform is designed with a focus on customer experience and value. Built on an open ecosystem approach, it emphasizes external collaboration, openness, and interoperability. The platform supports digital and innovative business development, utilizing emerging technologies such as cloud computing, distributed architecture, big data, and principles like decentralization and microservices. It enables agile innovation and rapid delivery, helping banks accelerate their digital transformation journey.
Designed with user experience and customer value in mind, GienTech´s Internet Banking emphasizes proactive customer acquisition, marketing, and risk control. The platform embraces open ecosystems, external cooperation, and digital innovation through technologies like cloud computing, distributed systems, big data, and microservices. It delivers strong scalability and flexibility, allowing banks to respond rapidly to evolving business demands through agile and continuous innovation.
- Architectural Design
Defines the overall architecture of internet banking, including its functional modules, their relationships with core backend business systems, and the role of each component in the ecosystem.
- Business Capabilities
Enables online registration, account opening, deposit and withdrawal functionalities. Supports corporate payroll distribution with employees able to view salary details and performance info via the mobile app.
- Channel Service Providers
The front-end app delivers customer service interfaces and interactions. External channel partners (e.g., payroll collaborators) manage distribution tasks, employee information, and payroll data.
- Channel Integration Platform
Handles the connectivity between the internet banking system and external systems, providing communication access and general security management, without undertaking business logic functions.
- Backend Architecture
Composed of user management, account management, API administration, partner management, security and authentication, and marketing modules. Together, these components form the foundation of a comprehensive internet banking service system.
- High Scalability
Built on a distributed microservices architecture with elastic scaling for high performance and concurrency. Compatible with frameworks such as SpringCloud, Dubbo, Edas, SOFA, and HSF. Supports containerized cloud environments and stream-based batch architecture for enhanced bulk processing.
- Rapid Packaging
Modular and componentized design, visual workflow orchestration, and distributed transaction consistency support fast definition and rollout of new products and services with grayscale release capabilities.
- Shared Capabilities
Tailored to internet banking needs, it features multi-level user, authentication, and account systems, supporting product factories, order management, unified payments, reconciliation, settlement, and accounting.
- Omnichannel, Full-Scenario Services
Supports mobile banking, online banking, WeChat banking, online lending, e-payment, aggregated payment, internet banking, and in-house O2O e-commerce platforms.
