ORIGIEN Next-Gen Digital Infrastructure
Distributed Core Banking System
Distributed Financial PaaS
Data Middle Platform
Digital Marketing
Risk & Compliance
Payment & Settlement
Channel Solutions
Credit Management
Transaction Banking
Open Banking
Digital Operation
QA Platform
AI Applications
Industry Solutions
Gientech's next-generation credit system leverages cutting-edge technologies including distributed systems, NLP, biometrics, OCR, mobile, and big data. It covers micro, retail, corporate, and interbank clients, supporting end-to-end, omnichannel, and full-process intelligent credit operations, management, and services. Powered by a robust credit middle platform and DDD domain-driven design, it enables rapid product customization and innovation for financial institutions.
The system spans the entire credit lifecycle (pre-loan, in-loan, post-loan) and comprehensive credit risk management, integrating products, processes, data, and models to provide advanced technological tools that meet the needs of "full-institution, full-channel, full-process, full-product, full-credit" development.
Modular Microservices Architecture enables rapid business innovation and provides configurable, personalized lifecycle service capabilities for credit operations. Core functions include: product factory, customer management, credit application, credit approval, contract disbursement, loan management, limit management, credit accounting, post-loan management, guarantee management, risk early warning, asset preservation, etc.
For the business of credit business consulting, credit product export, credit development, delivery and operation, we have laid out four R & D bases for credit products and intelligent tools in Shanghai, Chengdu, Suzhou and Changsha, effectively supporting the development of credit business for financial and pan-financial customers across the country.
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Comprehensive Credit Product System
A well-established credit product system that spans corporate, retail, SME, and interbank businesses. The highly flexible credit product factory empowers business departments to innovate through modular, building-block-style product combinations.
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Intelligent Credit Operations Design
Adopts a front-end/back-end decoupled architecture with intelligent generation of structured reports, supporting decision engines and automated deployment. Leveraging Domain-Driven Design (DDD) for business modeling and a microservices-based, componentized framework, the solution enables modular product innovation for business departments.
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Collateral Management System
Realize the full life-cycle management of collateral, integrate collateral data from all business lines, provide a unified view of collateral data management, and fully meet regulatory compliance and internal management requirements.
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Mobile credit system
Realizing an integrated operation mode for mobile business expansion.
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