Amid the digital transformation of banking, GienTech´s Internet Core Banking System empowers financial institutions to build scene-driven, online-offline integrated, user-centric, agile, and innovative digital banks.
Designed to support high-concurrency, low-latency, fast-evolving internet business models, it enables the dual-core strategy—supporting both traditional and digital-only banks—while advancing large-scale retail, corporate, and hybrid operational goals.
GienTech´s Internet Core Banking System offers a comprehensive account core that supports the full spectrum of electronic account types (Type I, II, and III), virtual accounts, and universal account structures. It is designed to meet the evolving needs of both financial and quasi-financial institutions. The system also supports a wide range of deposit sub-accounts, including smart deposit sub-accounts and traditional core deposit types such as fixed/flexible and lump-sum installment models.
All financial products are managed through a centralized Product Factory, which enables the definition of product attributes, component configurations, and version control. The system supports diverse interest rate configurations, including base rates, floating rates, tiered rates, preferential rates, interest tax, and interest plans. Additionally, it enables flexible fee configurations for services such as account maintenance and SMS notifications, with support for batch fee deductions.
The integrated accounting engine ensures robust transaction and ledger management, supporting fund settlement, profit and loss carryforward, general ledger consolidation, and end-of-day/year processing. It can also scale to serve as the bank-wide accounting system.
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Deposit Account Core
Supports Type I/II/III accounts and various sub-accounts (e.g., time deposits, smart deposits)
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Loan Account Core
Supports personal loans, corporate loans, syndicated loans, and more
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Enterprise-wide Accounting Framework
Centralized management of all financial accounting across platforms
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Product Factory
Centralized product definition, assembly, and deployment for rapid go-to-market
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Interest Rate Engine
Supports multiple rate models (base, floating, tiered, etc.)
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Common Services
Includes fee center, limit management, branch and teller management, and cash operations
GienTech´s Internet Core Banking System has been successfully implemented and validated by multiple banks. It fully supports all core functions required for Internet-based banking services involving Type I, II, and III accounts—including transaction processing, batch operations, inquiries, and administrative services.
GienTech´s Internet Core Banking System has been successfully implemented and validated by multiple banks. It fully supports all core functions required for Internet-based banking services involving Type I, II, and III accounts—including transaction processing, batch operations, inquiries, and administrative services.
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Separation of Deposit and Loan Cores
The deposit and loan cores operate independently while sharing the same technology platform. They can interact through RPC, ESB, and other integration methods.
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Separation of Transaction and Accounting
The deposit and loan cores are fully decoupled from the accounting system. While the cores manage customer-facing account operations, the accounting engine generates internal accounting entries, supporting both transaction-level and ledger-level data provisioning.
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Highly Parameterized Architecture
Designed to accommodate diverse business scenarios and rapid market changes, the system employs multidimensional and hierarchical parameterization. This enables banks to quickly adapt to regulatory updates and competitive pressures.
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Beyond Internet Core Banking
While excelling in Internet-based use cases (such as card issuance and omnichannel services for Type II/III accounts), the system also fully supports traditional core banking migration. It covers all deposit operations and products for both retail and corporate segments.
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Data-Driven Risk Management
At its core, the system leverages big data to transform credit evaluation, innovate financial business models, and quantify pre-transaction risks. This data-driven approach enhances overall risk control.
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Superior Customer Experience
The solution emphasizes user-centric design, interactive marketing, and personalized services. It empowers customers with greater autonomy and delivers tailored experiences based on their needs and profiles.

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Cloud-Native Distributed Core Banking System
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.
Experience the Product -
Internet Banking
Empowering traditional banks to rapidly establish internet banking services and operational systems.
Experience the Product