In the current environment of rapid development and fierce competition in the banking industry, in order to comply with the general trend of financial institution and banking reforms, focus on the strategic goal of building an efficient and distinctive E-SMART bank, further improve the market share of bank digital channels, enhances customer experience, optimises customer activity, improves core competitiveness and create sustainable value, This solution comprehensively optimizes and upgrades the existing mobile financial platform, and puts forward a new generation of smart banking system with the direction of "light assets, heavy service and high efficiency", which is the mobile financial channel function. User system will be migrated and updated to the smart bank channel unified platform. The key is to improve the efficiency of e-channel business processing, enrich the functional products of the original mobile financial system, and improve customer experience and product services.
Smart banking system is mainly responsible for a large number of bank's private business processing functions in daily online channels, and the core system of smart bank plays an important role. The system should have large data processing capacity, high concurrent processing ability, and support the rapid configuration of various businesses and the processing support of a large number of batch settlements; the system supports all kinds of deposits. It has efficient business support ability for loans, private financing, intermediate businesses, funds and international business. Integrating with the original customer information, realises the unified data management of one customer, one certificate and one account, supports real-time change response. With efficient and comprehensive data management and collection capabilities, it can process all kinds of deposit and loan transaction details comprehensively and elaborately, and provide comprehensive data and technical support for individual customers' daily banking needs. Realises the comprehensive online deposit business, expand the business, and be able to directly process and analyze new product data, quickly and flexibly deploy new business, so that customers can handle all their regular banking needs on the go. And realize the expansion of data integration function of other related platforms. In the later stage, it can realize the data synchronization processing of multiple terminals through unified signing, and bring the most convenient and efficient online service for customers.
Solution advantages:
1) Unified contract signing
2) Customer information integration
3) Mass real-time settlement
4) Efficient classification query
5) View of personal assets
6) Online operation of offline business
7) Convenient and efficient operation supervision
8) Configuration of product information
9) Real time synchronization of data changes
10) Communication is more flexible and service request is realized synchronously
