As the banking industry enters the Bank 4.0 era—where scenarios and ecosystems dominate—commercial banks are under increasing pressure to embed themselves into broader ecosystems and operate within diversified application scenarios. Open banking platforms are designed to enable multi-end integration across scenario-side, service-side, and ecosystem-side participants. However, system implementation still faces common challenges, including weak scenario-based service capabilities, insufficient capacity to build internet-native ecosystems, a lack of proprietary scenarios, and limited customer acquisition channels.
GienTech, leveraging years of experience serving China’s banking sector and keeping pace with industry evolution, has developed a comprehensive open banking solution. It empowers banks to co-create ecosystems and aggregate financial, quasi-financial, and non-financial services. This platform fully supports business resource openness, elevates service capabilities and profitability, and enables transformational service upgrades and value chain reengineering.
The GienTech Open Banking Platform adopts a platform-based operational model, enabling coexistence, collaboration, and mutual benefit among multiple stakeholders. It is widely deployed across B2C, B2B, B2G, and B2F scenarios including e-commerce, bill payments, wealth management, and lifestyle services. The platform has been successfully implemented by dozens of banks and consortiums, earning widespread client recognition and acclaim.
By adopting open banking, banks can build a digital operating model that reshapes the customer journey and delivers an exceptional service experience. Centered on four core elements—customers, scenarios, data, and business models—the approach combines self-built platforms with external ecosystems to break through linear growth, build core competitive advantages, and achieve strategic breakthroughs such as “leapfrogging” and “second-curve” growth. Putting the customer at the heart, banks can leverage FinTech to connect customer needs with financial services in a seamless and real-time manner across various ecosystems.
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Proven and Mature Platform
GienTech’s Open Banking Platform has evolved from version 1.0 launched in 2018 to the current version 3.0. It offers comprehensive functionality, industry-leading technical indicators, and high-level security, having been validated across dozens of real-world projects.
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Elastic Scalability
Built on a distributed microservices architecture, the platform is compatible with SpringCloud, Dubbo, Alibaba/Ant Cloud, Tencent Cloud, and GienTech Cloud. It adheres to Domain-Driven Design (DDD) principles and supports high performance, availability, reliability, and scalability.
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Accelerated Development
Equipped with tools such as visual API governance, dynamic control and release, intelligent sandboxing, global security protection, and a no-code service governance platform, the solution significantly reduces development complexity and enhances productivity.
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Efficient Operations & Maintenance
The monitoring platform supports multi-level oversight of system resources, networks, application platforms, service components, and APIs. Unified management of APIs, SDKs, H5 pages, services, and products helps simplify operations and reduce maintenance costs.
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Comprehensive Security
The platform offers full-spectrum security with hierarchical protection and control. Its operational services are designed to enhance security across LANs, dedicated lines, and public internet environments.
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