Smart Credit System

Digital Bank | Digital Credit

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Solution Overview

OneConnect Smart Credit System offers one-stop financial solutions for the implementation of the retail inclusive financial strategy, helping financial institutions to quickly launch various credit scenarios and improve the efficiency of business promotion. The platform integrates OneConnect’s rich experience in building the financial institution system, and various credit scenario solutions. It covers the whole process before, during and after the loan. In the platform, public, private, and small and micro inclusive customers can achieve the whole-process online development quickly. Its convenient application process, fast approval timeliness, and flexible repayment improve the market competitiveness of financial institutions in an all-round way.

Business Challenges

Difficult marketing

Weak customer access, low conversion rate, high compliance risk.
Slow innovation

Long iteration cycle, vague positioning and invariant products.
Weak risk control

Stagnant strategy, poor approval experience, and difficult data mining.
Deficient ecology

Low docking efficiency, poor effectiveness, and lack of targeted models and products.

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Product Solutions

Full-scenario credit solutions for financial institutions

Product Strengths

High adaption capacity

Modular mid-platform with 100 + components flexibly configured to adapt to frequent changes and expansions of business rules.
Flexible combination

Support flexible combination with built-in templates for diverse mainstream scenes, and configurable adjustment/design.
Quick response

The average implementation cycle of standard products is about 4 to 8 weeks.
High efficiency

One-click import and export of various scenarios, and 40% of implementation efficiency increase in low-code mode.
Hot swap

Iterative upgrade of a single module, using queue mechanism which does not affect the flow of other modules.
Diverse accumulation

The platform has built-in 5000 + label variables and 10 + scene models, which can improve the approval efficiency by about 15%.
Ecology extension

Refined channel management, and built-in multi-scenario, multi-category development which is ready to use.
Easy expansion

The distributed structure design, with the development of business, can support the horizontal expansion of the system.

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Customer Cases

Assisting a rural commercial bank in Northeast China to achieve business digital transformation

OneConnect helps a rural commercial bank in Northeast China achieve business digital transformation, and build the its brand as the advanced online banking service provider in local market. The scale of cooperative lending increased by about 3 times in the first year.

Lending timeliness increase: an average of 1 to 3 days of lending, and the fastest lending in 1H39M;；
Capacity improvement: Human efficiency has increased from less than 5 orders/person-month to about 20~ 30 orders/person-month;
Scale improvement: The amount of mortgage lending increased from 1 billion+ to 4 billion+ within one year;
Risk reduction: The default rate is reduced, with only 3 non-performing transactions per year.