Transaction Banking System
| Project Background
Focused on integration, data sharing, interconnectivity, openness, and user experience, the initiative aimed to modernize the bank's corporate electronic financial services platform. By standardizing all market-ready products across digital channels and adopting a platform-driven strategy, the project supported the bank's transition into transaction banking and future-ready digital operations.
The system establishes a unified digital banking platform integrating four core capabilities: transactional, marketing, service delivery, and client interaction. This structure provides corporate customers with a seamless and comprehensive banking experience, while reducing service costs and increasing the overall profitability of digital channels.
| Customer Pain Points
An analysis of corporate banking channel systems across the industry reveals the following common challenges:
1. Overly Complex Systems with Redundant Access Points
2. Unbalanced Functional Distribution Due to Lack of Strategic Planning
3. Fragmented Data Storage Across Channels, leading to poor interoperability and inability to achieve a unified customer or agreement view
4. Limited Functional Portability Between Channels, resulting in poor collaboration and absence of centralized channel management
5. Outdated UI/UX Design: Inconsistent cross-channel customer experience and high learning curve
6. Inefficient Operation and Maintenance: Isolated systems lack unified monitoring and alerting, making it difficult to detect potential risks. Troubleshooting requires per-system updates, leading to high operational risks and costs.Transaction Banking Product Capabilities
| Solution Center
The system delivers comprehensive business and management functions, including:
1. Multi-Channel Access: Supports browser, mobile devices, bank-enterprise direct links, and third-party internet applications such as WeChat.
2. End-to-End Business Functions: Enables user inquiries, payment transfers, cash management, supply chain finance, wealth management, e-bills, and international operations—all supporting multiple back-office clearing and processing modes.
3. Flexible Customization: Offers tailored version control to serve both large corporate clients and SMEs.
4. Internal Control Tools: Provides robust administrative functions including customer management, system configuration, and reporting statistics.
5. Productized Operational Suite: Includes comprehensive monitoring tools, report analytics, and integrated online customer service products.
6. Self-Service Features: Allows user self-management through dedicated service products such as Enterprise Security Center and Authorization
7. Customer Value
| Customer Value
1. Comprehensive Business Access: Enables seamless integration and operation across all customer touchpoints and channels.
2. End-to-End Transaction Processing: Supports complete processing of all transaction types with high reliability and compliance.
3. Strengthened Risk Control & Regulatory Compliance: Implements a robust internal risk management framework aligned with industry regulations.
4. Enhanced Capital Management and Strategic Decision-Support: Empowers corporate groups with advanced tools for liquidity control, financial oversight, and data-driven strategy formulation.