Banking industry
Updated at:
Copy as MD
Empower banks of all sizes to overcome IT limitations and unlock continuous financial innovation.
Online banking application and data architecture deployment
Online banking on the cloud operates without physical branches. This extends financial services to users in remote areas and promotes financial inclusion. It also significantly reduces costs associated with physical locations and staff.
Business architecture
Architecture description:
- The system architecture uses distributed services to decouple applications, creating a large platform that supports micro-applications. The channel module and the open platform directly serve customers. Internal services are divided by business type, such as deposit and loan services.
- Various platforms and an operational mid-end support the business modules. For example, a data-driven operational model uses data models to identify and assess borrower risk. The open platform connects to various scenarios. The real-time DataHub supports sub-second risk control and intelligent marketing.
Architecture advantages:
- Secure, stable, and compliant
- Support for multiple technology stacks
- Highly open and extensible
- Simple deployment and easy O&M
Technical architecture
Architecture description:
- Microservices: You can use Alibaba Finance Cloud middleware products to break down business logic and build a modern financial architecture based on microservices and containerization.
- Elastic services: Online banking operates 24/7 and often experiences traffic bursts from frequent small transactions or promotions. The system architecture must be elastic to handle these changes. You can use Elastic Compute Service (ECS) instance clusters as needed to manage these workloads.
- Disaster recovery design:
- When you use Alibaba Finance Cloud Server Load Balancer (SLB) clusters and deploy applications across multiple zones (Data Center A and Data Center B), you can achieve an intra-city active-active deployment. This ensures high availability (HA) within the same city.
- You can use Alibaba Finance Cloud products such as Domain Name System (DNS) and Data Transmission Service (DTS) to build a geo-disaster recovery architecture. This improves the high availability of the entire system.
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