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FINTECH PRODUCTS

Application System
Products

Banking software for core operations, accounts, lending, payments and digital channels.

Banking capabilities.
Connected around your business.

Build on a lightweight core or extend specific banking capabilities with configurable application products. Our portfolio covers customer accounts, deposits, lending, payments, channels, wealth management and Hong Kong credit reporting.

DIGITAL CHANNELS

Mobile & Online Banking

Connect mobile and online banking through a shared, cross-platform architecture, with dedicated channel APIs and reusable banking services.

Mobile banking
Banking on the goYour day.
Your banking.
Transfer
Cards
Deposits
Investments
HomeServicesProfile
Online banking
Banking, connected.
AccountsPaymentsServices
Accounts
Payments
Deposits
Illustrative channel interfaces.

Hybrid mobile app

AndroidiOSHarmonyOSHTML5

One architecture, multiple channels

  • Support hybrid mobile apps and online banking across Android, iOS, HarmonyOS and HTML5.
  • Separate front-end development from back-end banking services through channel-specific APIs.

Build with reusable components

  • Accelerate multi-channel development with shared components and templates.
  • Reuse banking services while tailoring each channel experience.

Secure connections, controlled updates

  • Support secure interactions and open integration.
  • Manage phased releases and hot updates across digital channels.

Distinct experiences. Shared banking services.

Channel-specific APIs connect each front end to a common service foundation.

Channels

Mobile banking
Online banking

BFF · Backend for frontend

Mobile banking API
Online banking API

Shared banking services

Accounts
Billing
Security
Users
Limits
Fees
Payments
Deposits
Investments

AI-ENABLED FRONTLINE WORK PLATFORM

Smart OCRM

Bring customer insight, portfolio management, sales execution and team oversight into a shared frontline workspace for banks. Use big data and AI to understand customer needs and shape differentiated products and services.

Customer insight. Frontline action. Team oversight.

Frontline workspace

Marketing managers
Relationship managers
Managers & administrators

Connected business capabilities

AI-enabled functions

Customer management

  • Customer profiles
  • Customer analysis
  • Personal wealth overview

Customer portfolios

  • Customer search
  • Assigned portfolios
  • Opportunity discovery
  • Favorites

Sales execution

  • Sales leads
  • Business opportunities
  • Activity records

Knowledge platform

  • AI-powered Q&A
  • Product information
  • Market information
  • Training materials

Analytics & reporting

  • Reports & dashboards
  • Intelligent data queries

Big data marketing

  • Customer lifecycle
  • Customer profiles & segments
  • Automated marketing strategies

Data operations

Data warehouse
Data mining
Big data platform
Data mart
Thematic datasetsDimensional datasetsCustomer tags & features

Role-based workspaces

  • Equip marketing and relationship managers with frontline tools, and support managers with team management capabilities.

Omnichannel coordination

  • Consolidate external CRM service interfaces through a channel collaboration platform to coordinate customer interactions.

Connected business management

  • Link customer management, marketing, sales execution and operational oversight in one workspace.

PRIVATE BANKING & WEALTH

Private Banking & Wealth Management

Connect investment and advisory services across branch, online and mobile banking, with coordinated front-, middle- and back-office capabilities, customer management and shared banking services.

Service channels

Branch
Online banking
Mobile banking
Investment & advisory services

Front office

  • Account-opening review
  • Customer risk assessment
  • Investment compliance checks
  • Order management
  • Investment portfolios
  • Investment advice & planning

Middle office

  • Order matching
  • Order execution
  • Order fulfilment
  • Order delivery

Back office

  • FX & investment accounts
  • Insurance distribution & transfers
  • Risk & suitability assessment
  • Orders & positions
  • Fund settlement
  • Product information & market data
  • Corporate actions

Customer management

  • Online account opening
  • Account management
  • Account closure
  • Unified customer view
  • Customer notices
  • CRM

Shared banking services

  • Account services
  • Cheque management
  • Internal transfers
  • Currency exchange
  • Clearing
  • Financing & loans
  • Recurring investments
  • Collateralized lending
  • Remittances

CORE BANKING

A lightweight foundation for digital banking.

Lightweight Core Banking System

A model-driven banking core built on microservices and a cloud-native architecture, with channel integration and broad core banking coverage.

  • Customer and account management, deposits, lending and debit cards.
  • Payments and remittances, foreign exchange, pricing and accounting.
  • Integrate with digital channels, ledger systems, AML and regulatory reporting.
Explore the Bank Launch IT Solution

LIGHTWEIGHT CORE BANKING

Mobile bankingOnline banking
Microservices · Cloud-native

Model-driven banking capabilities

CustomersAccountsDepositsLoansPaymentsDebit cardsForeign exchangePricingAccounting
LedgerAMLRegulatory reporting

DIGITAL ACCOUNTS

E-wallet & E-account

An electronic account platform for digital financial institutions, supporting remote account opening for individuals and businesses, connected financial accounts and flexible configuration around business and regulatory requirements.

  • Remote opening
  • Multiple scenarios
  • Account management
  • Account classification
  • Personal & business
E-accountConnected accounts
Deposits
Virtual accounts
Benefits & rewards
Multiple accounts
Credit card links
Savings
Link deposit and loan accounts, credit cards and external bank accounts.

Remote account opening

  • Enable individuals and businesses to open electronic accounts online.
  • Manage personal and corporate accounts through a shared account platform.

Connected financial accounts

  • Link electronic accounts to deposit and loan accounts, other bank accounts and credit cards.
  • Support virtual accounts, savings, benefits and rewards, and multiple-account scenarios.

Account classification & tiers

  • Manage accounts by category and tier according to business needs and regulatory requirements.

Flexible account configuration

  • Configure account attributes, types, currencies and transaction rules.
  • Set transaction restrictions and extend account configurations as business needs evolve.

DEPOSITS

Deposit Factory

Create differentiated deposit products by combining configurable parameters and reusable components, with flexible interest calculation methods, rates, fees and balance-based tiers.

  • Parameter-driven
  • Multiple interest methods
  • Lightweight & flexible
  • Modular components
  • Rapid implementation
Deposit productConfiguration
  • Product & deposit information
  • Rates & fees
  • Interest accrual
  • Balance & amount tiers
  • Transaction attributes
  • Accounting parameters

Modular customization

  • Combine configurable parameters and reusable components to build different deposit products.
  • Adapt product and deposit information to customer and business needs.

Flexible interest & fees

  • Configure interest rates and fees alongside multiple interest accrual methods.
  • Manage interest accrual properties and related accounting parameters.

Multidimensional product design

  • Combine balance-based interest tiers and amount-based tiers to differentiate products.
  • Configure amount controls and transaction attributes within the product definition.

LENDING

Loan System

A data-driven loan system built on cloud architecture, connecting online and offline lending, consumer scenarios and funding partners across the lending lifecycle.

  • Rapid product launch
  • Risk-based credit limits
  • Real-time loan monitoring
  • Post-loan collection
  • Partner clearing
Online business
Offline business
Consumer scenarios
Loan SystemData-driven cloud architecture
Funding partners
  1. 01
    Product setupSelection & parameters
  2. 02
    Application & acceptanceOnline & offline handling
  3. 03
    Assessment & approvalRisk & credit decisions
  4. 04
    Contract & disbursementSigning & loan release
  5. 05
    Reconciliation & accountingBilling & funding accounts
  6. 06
    Post-loan servicingMonitoring · Collection · Write-off
Risk controlCredit pricingCustomer management

Fast loan processing

  • Automate online business approvals and streamline offline processing.
  • Connect product selection, application handling, assessment, contract signing and disbursement.

Real-time, data-driven risk control

  • Bring together data from multiple parties and multidimensional risk models.
  • Support real-time decisions, risk-based credit limits and credit pricing.

Configurable product launch

  • Configure product parameters to support rapid deployment and validation.
  • Integrate lending products across online and offline channels.

Complete lending lifecycle

  • Cover application, acceptance, approval, monitoring, collection, write-off and customer management.
  • Connect funding partners with reconciliation, clearing and accounting.

CARD MANAGEMENT & SELF-SERVICE

Debit Cards & ATM

Build debit card products with configurable parameter models and integrated services across banking channels, self-service devices and external card networks.

Banking channels

MobileOnlineBranchATM

Card networks

VisaJETCOUnionPayEPSCOMastercard

Debit card services

Product managementCard managementShared administrationAuthorizationEnquiriesBatch management

ATM services

Channel managementDevice managementKey managementTransaction processingSettlement & reconciliationBatch processing

Shared services

Users & rolesMenu managementParametersScheduled tasksAudit logs
Java / Spring BootGit · Jenkins · Database · Redis · Kubernetes

Flexible card customization

  • Support instant and standard card issuance, plus batch card replacement.
  • Configure single- and multi-currency cards, card types and card number ranges.

Channel integration

  • Provide account opening and card information maintenance across branch, online and mobile banking.
  • Connect ATMs, ticket dispensers and passbook printers, alongside major card networks.

Operational visibility & testing

  • Support SMS notifications, reports and real-time monitoring.
  • Store and replay transaction messages to improve channel testing efficiency.

Configurable risk controls

  • Set transaction limits, blocklists, allowlists and exception rules to support business security.

PAYMENTS

Online Payment

Bring payment channels, intelligent routing and merchant operations together in a configurable platform for mobile and online payments, with integrated settlement, reporting and risk controls.

  • Rapid implementation
  • Intelligent routing
  • Broad capabilities
  • Flexible integration
  • Secure & reliable
App
Mobile web
WeChat
E-POS
PC
Payment channelsIntelligent routing
Cash flow
Online
Payment
Information flow
DistributorsMerchant management
Sub-merchant
Sub-merchant
Sub-merchant

Connect payment channels and merchant operations in one platform.

Multiple channels & scenarios

  • Support apps, mobile web, official accounts such as WeChat, E-POS and PC payments.
  • Connect multiple payment channels with intelligent routing.

Multi-level merchant management

  • Manage distributors and affiliated merchants, including onboarding, maintenance and channel profit sharing.
  • Provide a merchant center and self-service capabilities for merchant operations.

Fees & settlement

  • Configure fee calculation methods, settlement modes and rate parameters.

Multidimensional reporting

  • Provide reports for platform operators, merchants and users.

Configurable risk controls

  • Set transaction limits, allowlists and exception rules to support payment security.

CROSS-BORDER PAYMENTS

CIPS Payment System

Enable banks and financial institutions to deliver domestic and cross-border RMB payment services through direct or indirect participation in the Cross-border Interbank Payment System (CIPS).

Direct participation
Indirect participation
Integrated RMB payment capabilitiesDomestic & cross-border payments

Payment processing

Message processing

  • Sending & retransmission
  • Parsing & validation
  • Signing & verification
  • Message conversion
  • Message queries & group reporting
  • Closing report processing

Payment transactions

  • Customer remittances
  • Financial institution remittances
  • Batch customer remittances
  • Remittance processing

Fees & charges

  • Fee parameter configuration
  • Fee administration
  • Fee enquiries
  • Fee discounts

Information services

  • Checks & verification
  • Business status enquiries
  • Business cancellation
  • General information

Settlement & controls

Liquidity management

  • Automatic funding injection
  • Liquidity increases & decreases
  • Pre-funding
  • Queue enquiries, recovery & adjustment
  • Liquidity risk monitoring

Reconciliation

  • Automatic reconciliation
  • Reconciliation history
  • Reconciliation exceptions
  • Account statements

Risk controls

  • List screening
  • Control thresholds
  • Risk control rules
  • Risk control models

Platform operations

Participant management

  • Participant information
  • Participant interactions
  • Business permissions
  • Activity status

Operating schedules

  • Operating schedule management
  • Sign-on
  • Sign-off

System administration

  • Users, roles & permissions
  • Organizations & menus
  • System monitoring & holidays
  • Log enquiries

HONG KONG CREDIT INFORMATION

Hong Kong Credit Reporting

Support retail and SME credit information reporting in Hong Kong through a configurable platform connecting banking data, reporting workflows and external credit information services.

Connected reporting for retail & SME credit.

Source systems

Credit reporting system

Platform integration

External institutions

Banking systems

  • Customer information
  • Personal loans
  • Overdraft accounts
  • Corporate loans

Credit applications

  • Personal loan origination
  • Corporate loan origination
  • Other credit systems

Retail credit reporting

  • Credit data submission
  • Credit report enquiries
  • Credit information corrections
  • PMDS data sharing
  • Credit information administration
CRPPlatform
Credit reporting agenciesRetail credit information

SME credit reporting

  • Credit data file generation
  • Credit report enquiries
  • Credit information administration
CDIPlatform
SME credit databasesBusiness credit information
Shared data foundationUnified processing · Integration · Storage · Access & security controls

Flexible reporting workflows

  • Adapt credit information and reporting workflows to evolving Hong Kong requirements.

Platform connectivity

  • Connect with CRP and CDI platforms through standardized interfaces.

Reporting & monitoring

  • Support multiple output channels, including SMS, reports and real-time monitoring.

Data security & control

  • Unify data processing, integration and storage with access and data security controls.

LET’S DISCUSS YOUR NEXT STEP

Build the banking capabilities you need.

Discuss your application landscape, product scope and integration requirements.

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