The Core of New Generation of Auto Finance
This platform is aimed at auto finance business scenarios to achieve efficient and stable operation, effective customer management, ease for rapid innovation on auto finance product and create ultimate user experience with the platform
Product Features
- Business center + data center
- Open source distributed architecture
- Separate front and back end design
- Digital operation center
Mobile Banking Platform
With increasing transaction under mobile banking over the years, it has become an important channel for financial institutions and convenience tool for users to perform financial transactions. In order to stay on top of industry trends, mobile banking products need to constantly innovate, tap on new functions and strive to increase customer base
Product Features
- Order Mode
- Unified View Management
- Rapid Product Innovation
- Common Business Processes
Core Functions
- Login and Registration
- Home Page
- Product Shelf
- Shopping Cart
- My Center (global view display of customer assets, liabilities, etc.)
New Generation Bank Core Platform / Next Generation Core Banking Platform
The new generation bank is designed based on customer-centric strategy with the purpose of keeping up with current rapidly evolving market dynamics.
Core Functions
- Public Administration
- Customer Management
- Product Management
- Transaction Management
- Financial Product and Accounting
- Credit Management
- Bill Management
- Risk Management
- Wealth Management
- Partner Management
- Data Application
Internet Financial Platform / Digital Finance Platform
Digital Finance Platform helps commercial banks achieve innovation on user experience and service models, target market segments, introduce partners with open platform, cross-border connection and service sharing in financial services.
Product Features
- Payment Security
- Diversified Payment Services
- Risk Control System
- Flexible Multi-legal Resource Sharing
- Open Multi-channel Integration
- Fast Product Release and Contract System
- An Intelligent Business Hub
Large Retail Marketing Management Platform
The retail marketing management platform provides multi-faceted one-stop financial services, which allows multi-channel connectivity and coordination, one-stop marketing and sales, rapid product innovation and release, display interaction channels, and establish a data model to improve the overall service efficiency.
Product Features
- Integration, labelling and refinement of customer information
- Marketing linkage, standardization and intelligence
- Product labeling, gradient and combination
- Complete, automated and intuitive performance information
- Channel coordination, mobilization and operation
Micro, Small and Medium Enterprise (MSME) Finance
Microfinance is a financial service that targets individuals, small and medium-sized enterprises by utilizing Internet, big data, etc. to help them with building customers multi-dimensional portraits, customer ecosystem, online and offline integrated business system and provide targeted customers with proactive, effective and accurate financial products and services.
Product Features
- Improve customer service ability
- Improve business operation capability
Trading Center
Trading center is a part of business hub layer and system support for the entire process of financial product sales to customers.
Product Features
- Standardized transaction processing procedures
- Customer-centric system with great recommendation on cross-product, multi-dimensional, diversified, and market-oriented unified pricing strategy
- Achieve customer-oriented diversified product and promotion strategy
- Manage the delivery of various financial products
- Improve customer transaction experience based on shopping carts
- Customer-oriented unified risk control capabilities
- Innovative online transaction model based on demand quotation model
New Bank Counter System
The counter system has changed its positioning from traditional business entry into integrated management with integrated equipments all around and comprehensive control on the operation of the branch. It also optimized the business process of counter system, promotes construction of counter system, support shopping cart and business routing function, explore paperless service model, improve work efficiency, service quality, customer satisfaction and reduce the cost of maintenance and training.
Main Functions
- Customer Management
- Account Management
- Payments Transactions
- Operation Management
- Loan Services
- Integrated Services
- Bill Business
- Intermediate Business
- Report Business
- Credit Business
- Debit Business
- General Business
Business Operation Platform
This operation platform includes internal management and daily operational management of the bank.
Core Functions
- Business hub: customer management, product management, transaction management, accounting management
- Business operation: sales management, pre-loan management, post-loan management, partner management, risk management
- Financial workshop: deposit and loan product workshop, wealth management workshop, financial IC card
- Business support: identity management, organization management, security management, seal verification, signature, identity verification, SMS
- Data application: customer analysis, reporting platform
- Basic platform: Provide portal-level function integration, support various business systems to integrate various back-end system functions in different integration forms, the system supports deep system integration through the interface level, and shallow integration of single sign-on mode; and provides platform-level integration The integration service controls the general attributes of each system, such as the authority control system, security system, process processing mechanism, authorization mechanism, and printing mechanism.
Unified Security Platform
The unified security platform is in the operation support layer in overall structure of medium and large sized financial institutions and enterprises. The security services provided mainly include: certificate management, payment password-related, signature verification, SMS verification code, encryption and decryption services, fingerprint database authentication, face recognition and iris recognition.
Core Functions
- Cryptographic Operations
- Secure Media Certification
- Key Management
- Security Service SDK
- Security Strategy
Unified Payment Platform
The unified payment platform realizes the standard process of payment transactions and supports multiple payment instruments, multiple currencies, multiple channels and multiple settlement methods.
Core Functions
- Payment Management
- Routing Management
- Protocol Management
- Product Management
- Reconciliation Management
- Clearing Management
- Risk Management
- Operation and Maintenance Module
Unified Authentication Platform
This is positioned as enterprise-level unified authentication management platform, which centrally manage user information and user login roles permission, provides unified authentication services including login verification for management and customers through various electronic channels. This can be applied to financial industries for identity authentication as well as internal staff management for SMEs.
Core Functions
- User Management
- Authority Management
- Authorization Management
- Login Method Management
- Policy Management
- Data Synchronization
Unified Collateral Platform
Collateral management is the foundation of bank transformation and development. It allows the establishment of standardized and rigorous electronic collateral information management process, integrate bank collateral information, gain dynamic assessment and accurate measurement of collateral value and ensure collateral risk can be estimated in timely manner.
CORE FUNCTION
Risk Mitigation
- Control access for collateral and appraisal institutions
- Record valuation and results in the value assessment stage
- Review and identify the valuation
- Guarantee schemes and collateral guarantee capabilities are approved within control
- Collateral establishment must go through complete collateral Establishment procedures and warrant management
- Post-loan collateral management further provides risk control
Metric Management
- Tool certification
- Model evaluation
- Risk mitigation capability
Customer Information Management
- Management of professional guarantors, businesses and individual guarantors
Unified Quota Platform
This product is mainly tailored to the requirements of domestic joint-stock banks and city commercial bank customers, and can help customers quickly realize the unified quota of bank's management.
Product Features
- Bank-wide unified management
- Full life cycle management
- Portfolio management, limit management
- Market-oriented, customer-oriented, product oriented
- Simple to use and maintain
Core Functions
- Quota Status Management
- Quota Control Management
- Quota Information Management
- Quota Product Management
Post-Loan Management Platform
This product is meant for risk classification, risk management and control, asset preservation, and collection management. The purpose of post-loan management platform is to greatly reduce the complexity of post-loan management for bank business personnel and increase effectiveness on the operation.
Core Functions
- Collateral value monitoring, value revaluation management
- Receivables collection management
- Customer return visit, inspection and other activities management after loan issuance
- Loan asset quality analysis
- Classification management
Financial Open Platform
Open finance platform has allow banks and other financial institutions to share data through standardized APIs (Application Programming Interface). The purpose is to increase customer acquisition channels, marketing methods, and enhancing bank's core business capabilities.
Product Features:
- Development System
- Operation System
- Monitoring Operation
- Maintenance System
Core Functions
- Portal Management
- Service Gateway
- Security Control
- SDK (Software Development Kit)