The new generation personal business core system of Postal Savings Bank has been fully put into operation.

Ouyang Jianhuan china securities journal Zhongzheng Net

The core system of the new generation of personal business is the "hardcore work" in which the Postal Savings Bank has invested thousands of businesses and technical backbones in science and technology for three years. The system has the following characteristics: first, according to the design idea of "decoupling-reconstruction-reuse", through enterprise-level business modeling, the complex is simplified, the core transaction process is reshaped, and the user experience is improved; The second is to develop and assemble nearly 5,000 "building blocks" to realize flexible product assembly, reduce code development, drive business agility with technology agility, and meet personalized, differentiated and customized product innovation needs; Third, independently develop a solid and reliable distributed technology platform and operation and maintenance platform, which can be dynamically and flexibly expanded as needed to realize the full link tracking of business transactions from front-end to background, from service interface to internal components; Fourthly, online migration can realize customer's non-inductive switching, ensure business continuity, reduce switching risk and create a new mode of online switching of core systems of large banks. After the new generation of personal business core system is fully put into production, the Postal Savings Bank will conduct online migration of more than 600 million personal customers to complete the smooth transition between the old and new personal business core systems.

The new generation of personal business core system has been fully put into production, marking the butterfly upgrade of the core scientific and technological capabilities of the Postal Savings Bank, which will effectively empower the transformation and development and enhance the customer experience. First, new feeling, faster and more efficient. Brand-new revision of the front desk operation interface of outlets, optimizing the processing flow, reducing manual dependence, improving processing efficiency and shortening the processing time of customer business. Taking international remittance business as an example, the average transaction time is shortened by 50%. The second is the new function, which is more intelligent and powerful. Combined with the new generation of mobile banking, it focuses on the inquiry business with complex customer needs to meet the long-term, diversified and personalized needs of customers. In the future, the functions of real-time query of transaction details, intelligent screening of transaction details, and analysis of fund income and expenditure will be gradually opened on the mobile terminal, 10 year. Third, the new design is safer and more reliable. It enriches and improves the anti-fraud function of the system, realizes the real-time monitoring of listed customers and listed accounts, and further improves the operational risk control ability and compliance management level.