Solution Overview
Digital Banking Solution
Based on the unified technology stack, Sunline Digital Banking Solution solves the complex interaction and other problems among heterogeneous systems through the construction of single microservices applications. This is a comprehensive solution to realize iterative development of sensitive business state in the future and design sufficient decoupling. Its competency center uses loose coupling model and integrates user, account, interest rate, fee, quota, product, marketing, partner (cooperation partner), platform account, payment, clearing and accounting as a whole. It uses open interface model which provides service invocation for open platform and boasts the ability to provide support all types of Internet business scenes. Sunline Digital Banking Solution is an integration solution to realize acquiring gust form the front desk and managing in the middle and receiving support from the background. Typical applications include the construction of Internet core, business center, Internet credit, open platform, payment platform and other systems, supporting continuous expansion and update of single applications in the unified technology system and meeting the flexible development of diversified, personalized and multi-tiered business services.
Scheme architecture
Solution Advantages
Scenario design
At present, it has been connected to nearly 100 digital scenarios and completed service precipitation. Hundreds of digital financial products have been put on shelves cumulatively, realizing rapid product configuration and assembly which could help banks improve innovation efficiency
Atomic service
Based on the concept of microservices, loose coupling mode construction and atomized deployment of each competency center to realize the rapid responses of digital financial businesses from the perspective of IT architecture and provide capability support for various business scenarios
DevOps iteration
Based on the goal of realizing DevOps business, the DevOps IT architecture, development, operation and maintenance processes are constructed by adopting structured account design and scene-based product design for small amount, high-frequency and light assets online business
Lego bank
The free assembly mode based on ‘Lego-style’ service components has super business expansibility, business adaptability and has the ability to support products and to expanse products, which can support the bank's long-term development goals
Solution Values
Reshape users experience
Sunline follows the concept of integrated financial services, which treats the user as its core and through the design principle of multi-level account, the ‘island’ dilemma of user information is broken, the personalized needs of customers are more accurately reached and the high-quality comprehensive user experience is brought
Payment integration
Unified access to all payment channels inside the bank, realizes the intelligent routing function of payment and provides convenient payment method and immersive payment experience for the user
Channel integration
It provides all-channel communication integrated access platform, supports all-channel unified access and multi-channel collaborative interaction and realizes direct connection of processes and data synchronization
Product line integration
It integrates product lines effectively, including unified planning, creation, product management and docking of business lines such as deposit, loan, remittance and factoring on a commission basis, so as to achieve centralized management of the whole business process
Digital operation
With the concept of digital driving, product improvement, operation optimization, marketing analysis and business decision can be realized through data-driven decision and intelligent product, so as to effectively achieve intelligent use of data
Multi-scenario coverage
Supported by the business platform system, it covers numerous consumption and lending scenarios, conducts business design based on the scenario-based drive and gives play to the core capabilities of the platform
Financial ecosystem
It builds a complete ecological closed-loop system for BC users according to the ‘financial services + ecological scenario’ to help break the economic transformation of the financial industry
Open system architecture
Takes the concept of increase source, independent and controllable as a base to complete the management and control of open architectures such as mobilization, servitization, cloudification, etc. and providing strong support for future business expansion
Product Composition
Digital core banking system
Digital credit platform
Digital open platform
Product sales factory
Digital unified payment platform
Digital financial business platform
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