In the digital banking era, retail banking is undergoing a digital transformation to establish online banks. This solution uses financial technology to create a fully online, intelligent, and ecosystem-based approach for bank channels, customers, products, and risk control. The IT architecture follows a 'large mid-end, small front-end' pattern to enable rapid business innovation. The technology uses a financial-grade distributed architecture to build dual-mode IT capabilities.
Solution architecture
An Internet bank is a new type of banking system built using internet technologies and architectural principles. It adopts an internet-focused mindset to build platforms and ecosystems that integrate E-commerce, local lifestyle services, and finance scenarios. This approach improves the efficiency of financial services by making them online, intelligent, and ecosystem-based.
Problems solved
Online business: Improve service efficiency, reduce costs, and enhance user experience.
Intelligent decision-making: Implement a business decision-making system based on data intelligence.
Ecosystem platform: Provide open financial capabilities to empower the ecosystem.
Agile architecture: Achieve agility with financial-grade cloud-native technology.
Architectural advantages
Independent R&D: Core financial technologies are independently developed.
Agility: A financial-grade distributed architecture enables rapid iteration and scalability.
Cost-effectiveness: High reliability, high performance, low cost, and flexible extensibility.
Solution advantages
Financial-grade cloud-native architecture
This solution uses Alibaba's full-stack cloud-native architecture, which includes the Apsara platform, an enterprise-grade distributed architecture platform, the OceanBase database, a big data platform, Mobile PaaS, and a risk control platform. This architecture enables the complete migration of Internet finance and big data services to the cloud and improves IT delivery efficiency.
Dual mid-end architecture drives the transition from IT to DT
Based on the 'large mid-end, small front-end' architectural concept, this solution builds a dual mid-end that consists of a Business Mid-end and a data mid-end. This approach uses technology as a platform for business operations, which improves business innovation efficiency and reduces innovation costs.
Customer use cases
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