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According to Oliver Wyman, we are the largest technology-as-a-service platform for financial institutions in China in terms of number of customers. OneConnect provides four integrated products across the full scope of the businesses — from digital retail, digital enterprise finance, digital insurance to Gamma Platform, and the financial technology infrastructure provider. The Company integrates extensive financial services industry expertise with market-leading technology to provide technology applications and technology-enabled business services to financial institutions. These solutions enable our customers’ digital transformations, which help them improve efficiency, enhance service quality, reduce costs and risks.

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Intelligent Corporate Marketing

Our platform-based channel operation, scenario-oriented products, and modular systems are helping banks handle the difficulties found in customer acquisition, product homogeneity, system aging, and other problems. Currently, we are preparing intelligent P2P online marketing solutions for financial institutions. Furthermore, we are also supplying our channels and corporate customers with a full spectrum of financial products to achieve a virtuous circle amidst bank collaborative products, channel attractiveness, and loan amounts.

Product System

  • Channel Operation Solutions

    1. Diversified scenarios
    2. Mass flow
    3. Efficient conversion
  • Product Solutions

    P2P online solutions for standard operating loans (e.g. tax bill loan and housing mortgage loan):

    1. Product solutions
    2. Digital marketing
    3. Intelligent data feed
  • Supply Chain Solutions

    1. All-round P2P online solutions for supply chains, including receivables and orders.
    2. Core enterprises acquire upstream and downstream customers in batches

Product Advantages

Five major data sources, multi-scenario risk management solutions, all-process risk management services (pre-loan, in-loan, and post-loan services), and rapid iteration/launch.

  • 多元化流量运营

    Diversified traffic operation

    1. Multiple scenarios: Link customs, government, industrial platforms, channels, etc
    2. Massive channels: 1000plus channels, 400plus active channels, reaching 10 millionplus SME enterprises
  • 专家级经验

    Expert level experience

    1. 20 years+ industry expert experience
    2. Fully verified practical application
    3. Integrate business & technical experience
  • 场景化信贷产品

    Scenario-based loan product

    1. Multi-scenario product scheme design
    2. Supply chain financial scheme design
  • 数字化管理

    Digital management

    1. Scenario financial ecosystem
    2. Points benefits and precision marketing
    3. Empower online banking business
    4. Ecosystem promotes mobile bank

Cases - Supply Chain Business

A city commercial bank in north china

Phase I: spare parts output

  1. Electronic certificate / SME financing & services chain 1.0
  2. Product scheme & process design

零配件输出

Phase II: complete vehicle scheme

  1. SME financing & services chain 2.0 (intelligent material submission, intelligent risk control)
  2. Business development & joint operation

整车方案

Phase III: complete vehicle + autonomous driving

  1. Supply chain financial integrated platform
  2. Full product line: receivable, prepaid and data loan products
  3. Data governance and risk control system: loan origination risk portrait, loan servicing review, delinquency management monitoring and early warning

自动驾驶

Project effect

  • Fast launch

    Core enterprise

  • Credit approval

    Core enterprise

  • Process efficiency improvement

    Automated approval rate increases

    Deposit increases

Case — Tax Bill Credit

A joint-stock commercial bank

背景 Innovative product

  • Tax credit: Integration of tax bill credit and invoice credit

背景 Platform-based customer acquisition

  • Batch customer acquisition: 1000plus channels
  • Intelligent channel management

背景 Loan origination

  • Intelligent material submission: online application & verification
  • Risk management pre-review

背景 loan servicing

  • Intelligent decision-making engine
  • E-signature

背景 Delinquency management platform

  • Delinquency management indicator monitoring system
  • Real-time delinquency management warning

Project effect

75%

New small and micro lending

350+

New channels

20%

Pass rate of customer pre-review

30%

Shortened the loan approval time

Intelligent Corporate Risk Management

We are supplying financial institutions with whole-process intelligent P2P risk management solutions, including pre-loan review, in-loan approval, post-loan management, and loan collection. Through the construction of our P2P credit/loan system, we are forging the "vehicle chassis" and enhancing our technological capability in the whole credit/loan process. In the meantime, we are creating Internet litigation solutions to build a service platform integrating online case acceptance, liaison with collection companies, and court litigation services.

Product System

  • SAT Integrated Business Platform

    1. Lightweight mobile business platform.
    2. Multidimensional risk management analysis.
    3. Preliminary screening, due diligence investigation (door-to-door), and anti-fraud.
  • Digital Credit System

    1. 100% online P2P credit system.
    2. 100% online digital operation, including intelligent data feed, intelligent due diligence investigation, intelligent approval, and post-loan monitoring.
  • Integrated Smart Debt Collection & Lawsuit Solution

    1. A solution integrating small/micro-sized loan collection and litigation.
    2. Supporting online case submission and loan collection, online batch litigation and registration, and online notarization.
  • iRisk Management Platform

    1. Based on the magnanimous and multidimensional big data risk management and labeling system.

Product Advantages

  • 全流程线上作业

    Whole-process Online Operation

    1. 100% online credit management platform
    2. Over 40% decrease in manual entry.
    3. Over 30% increase in customer management capacity.
    4. 13 modules can be configured on a modular basis for different scenarios.
  • 独立输出

    Independent Output and Flexible Configuration

    1. Lightweight cloud platform deployment and rapid launch
    2. Standardized function modules can be output independently
    3. Independent configuration of processes, rules, and parameters.
  • 丰富数据

    Rich Data and Advanced Industry Model

    1. Embedded with 8 enterprise labeling systems and over 3,000 enterprise portrait labels.
    2. Full online smart loan collection and litigation: 10 times the case handling capacity, leveraging the experience of Ping An Group, and innovating 8 major industry models for corporations.
  • 合规

    Compliance and High-efficiency

    1. P2P system: covering the whole process of customer acquisition, entry, approval and post-loan.
    2. Intelligent online tool: customer portrait, sales management, and business process.

Cases - Intelligent Risk Management

A Joint-stock Bank

Corporate Portrait

  1. Whole bank-level corporate risk platform: 76 kinds of labeling systems.

零配件输出

Risk Identification

  1. Closed-loop warning management: 15 types of data; different warning thresholds set for different industries.

整车方案

Monitoring Model

  1. Accurate warning and mobile management: accurate warning, embedded to the customer manager APP.

自动驾驶

Project Performance

  • Corporate/small and micro-sized customer holographic portrait

  • Signal processing rate

    Post-loan warning rules

  • Accuracy greater than

    Hit rate greater than

    Misinformation rate less than

Case—SME entrusted collection

A Rural Commercial Bank + An Insurance Company

Stage T+4

  1. Gradually increase the pressure, trace PTP, and increase the return rate.

零配件输出

31~60 days

  1. Reconstruct the collection strategy and the verbal skill.
  2. Pay attention to the number of effective calls and process indicators and strengthen collector compliance management.

整车方案

61 ~ 90 days

  1. Restore communication, property monitoring, and E-mail lawyer's letter

自动驾驶

Project Performance

  • the average return rate

    Increase in the M3 return rate

  • Increase in the average return rate

  • the average return rate

Smart Government & Enterprise Platform

Relied on FiMAX blockchain technology and AI intelligence, we create an integrated and comprehensive solution of credit service, cross-border trade service, financial service and enterprise service for the government. We provide a platform for financial institutions to connect with SMEs, and meanwhile, give SMEs better access to financial resources, and help financial institutions assess the credit status of SMEs more accurately.

Product System

  • Smart Credit

    1. Supervision information integration of ministries and commissions
    2. Early warning and publicity mechanism
    3. Multi-dimensional enterprise credit system
  • Smart Cross-border Trade

    1. Intelligent declaration before customs clearance
    2. Intelligent passage in customs clearance
    3. Intelligent inspection after customs clearance
  • Smart Finance

    1. Multi-data integration: government, financial institutions and enterprises
    2. Comprehensive corporate portrait rating
    3. Intelligent risk control capability
  • Smart Services

    1. Accurate matching policy
    2. Intelligent declaration and approval
    3. Improve work efficiency

Product Advantages

  • 丰富的企业服务经验

    Rich Experience in Enterprise Service

    1. Relied on the group, we have served over 11 million small and micro groups and 5.4 million SMEs
    2. Trade Links Guangdong Province, Hong Kong SAR, Singapore with 3 big customs blockchain pilot project
    3. 10,000plus industrial chain data that covers 50% of strategic emerging industries such as medical, automobile and electronics industries
  • 全面的政府生态布局

    Comprehensive Government Ecological Layout

    1. The Group serves 200plus cities, 26plus government departments and covers 6000plus enterprise policies
    2. 10plus big service scenario, 2000plus enterprise service
    3. 150plus national data, 4500plus economic indicators
  • 成熟的金融生态体系

    Mature Financial Ecosystem

    1. 460 billion+ inclusive loan scale, 1 trillion+ POS business volume
    2. 81 industry models, 3000+ risk control rules, 92% enterprise early warning accuracy rate
  • 场景化政企平台运营

    Scenario-based government-enterprise platform operation

    1. Combine scenarios and introduce nearly a thousand products
    2. Innovative design of government scenario-based products (government procurement credit products, etc.)

Case — SME Financing Platform

A provincial SME financing platform

Initiated by a provincial financial bureau and designed and developed by Financial One Account, it applies blockchain technology to establish a secure mutual trust mechanism between banks and SMEs, effectively solving the financing pain points of three types of SMEs: manufacturing, foreign trade and science and innovation.

Platform construction

Intelligent financing

Intelligent risk control

Intelligent financial supervision

Case — Cross-border trade

Cross-border trade platform we built empowers the port service system, promotes multi-party interconnection under the trade scenario and optimizes the business environment

Smart trade

Smart supervision

Smart logistics

Smart trade

Intelligent Corporate Marketing

Our platform-based channel operation, scenario-oriented products, and modular systems are helping banks handle the difficulties found in customer acquisition, product homogeneity, system aging, and other problems. Currently, we are preparing intelligent P2P online marketing solutions for financial institutions. Furthermore, we are also supplying our channels and corporate customers with a full spectrum of financial products to achieve a virtuous circle amidst bank collaborative products, channel attractiveness, and loan amounts.

Product System

  • Channel Operation Solutions

    1. Diversified scenarios
    2. Mass flow
    3. Efficient conversion
  • Product Solutions

    P2P online solutions for standard operating loans (e.g. tax bill loan and housing mortgage loan):

    1. Product solutions
    2. Digital marketing
    3. Intelligent data feed
  • Supply Chain Solutions

    1. All-round P2P online solutions for supply chains, including receivables and orders.
    2. Core enterprises acquire upstream and downstream customers in batches

Product Advantages

Five major data sources, multi-scenario risk control solutions, and full-process risk control services on loan origination, loan servicing, delinquency management with quick online iteration.

  • Diversified traffic operation

    1. Multiple scenarios: Link customs, government, industrial platforms, channels, etc
    2. Massive channels: 1000plus channels, 400plus active channels, reaching 10 millionplus SME enterprises
  • Expert level experience

    1. 20 years+ industry expert experience
    2. 20 years+ industry expert experience
    3. 20 years+ industry expert experience
  • Scenario-based loan product

    1. Multi-scenario product scheme design
    2. Supply chain financial scheme design
  • Digital management

    1. Scenario financial ecosystem
    2. Points benefits and precision marketing
    3. Empower online banking business
    4. Ecosystem promotes mobile bank

Case — Supply Chain Business

A city commercial bank in north china

Phase I: spare parts output

  1. Electronic certificate / SME financing & services chain 1.0
  2. Product scheme & process design

Phase II: complete vehicle scheme

  1. SME financing & services chain 2.0 (intelligent material submission, intelligent risk control)
  2. Business development & joint operation

Phase III: complete vehicle + autonomous driving

  1. Supply chain financial integrated platform
  2. Full product line: receivable, prepaid and data loan products
  3. Data governance and risk control system: loan origination risk portrait, loan servicing review, delinquency management monitoring and early warning

Project effect

  • 5Months

    Fast launch

  • 3home

    Core enterprise

  • 5%

    Credit approval

  • 5home

    Core enterprise

  • 85%

    Process efficiency improvement

  • 50%

    Automated approval rate increases

  • 5%

    Core enterprise

Case — Tax Bill Credit

A joint-stock commercial bank

Innovative product

  1. Tax credit: Integration of tax bill credit and invoice credit

Platform-based customer acquisition

  1. Batch customer acquisition: 1000plus channels
  2. Intelligent channel management

Loan origination

  1. Intelligent material submission: online application & verification
  2. Risk management pre-review

loan servicing

  1. Intelligent decision-making engine
  2. E-signature

Delinquency management platform

  1. Delinquency management indicator monitoring system
  2. Real-time delinquency management warning

Project effect

  • 75%

    New small and micro lending

  • 350+

    New channels

  • 20%

    Pass rate of customer pre-review

  • 93%

    Shortened the loan approval time

Intelligent Corporate Risk Management

We are supplying financial institutions with whole-process intelligent P2P risk management solutions, including pre-loan review, in-loan approval, post-loan management, and loan collection. Through the construction of our P2P credit/loan system, we are forging the "vehicle chassis" and enhancing our technological capability in the whole credit/loan process. In the meantime, we are creating Internet litigation solutions to build a service platform integrating online case acceptance, liaison with collection companies, and court litigation services.

Product System

  • SAT Integrated Business Platform

    1. Lightweight mobile business platform.
    2. Multidimensional risk management analysis.
    3. Preliminary screening, due diligence investigation (door-to-door), and anti-fraud.
  • Digital Credit System

    1. 100% online P2P credit system.
    2. 100% online digital operation, including intelligent data feed, intelligent due diligence investigation, intelligent approval, and post-loan monitoring.
  • Integrated Smart Debt Collection & Lawsuit Solution

    1. A solution integrating small/micro-sized loan collection and litigation.
    2. Supporting online case submission and loan collection, online batch litigation and registration, and online notarization.
  • iRisk Management Platform

    1. Based on the magnanimous and multidimensional big data risk management and labeling system.

Product Advantages

Five major data sources, multi-scenario risk management solutions, all-process risk management services (pre-loan, in-loan, and post-loan services), and rapid iteration/launch.

  • Whole-process Online Operation

    1. 100% online credit management platform
    2. Over 40% decrease in manual entry.
    3. Over 30% increase in customer management capacity.
    4. 13 modules can be configured on a modular basis for different scenarios.
  • Independent Output and Flexible Configuration

    1. Lightweight cloud platform deployment and rapid launch
    2. Standardized function modules can be output independently
    3. Independent configuration of processes, rules, and parameters.
  • Rich Data and Advanced Industry Model

    1. Embedded with 8 enterprise labeling systems and over 3,000 enterprise portrait labels.
    2. Full online smart loan collection and litigation: 10 times the case handling capacity, leveraging the experience of Ping An Group, and innovating 8 major industry models for corporations.
  • Compliance and High-efficiency

    1. P2P system: covering the whole process of customer acquisition, entry, approval and post-loan.
    2. Intelligent online tool: customer portrait, sales management, and business process.

Cases - Intelligent Risk Management

A Joint-stock Bank

Corporate Portrait

Risk Identification

  1. Closed-loop warning management: 15 types of data; different warning thresholds set for different industries.

Monitoring Model

  1. Accurate warning and mobile management: accurate warning, embedded to the customer manager APP.

Project Performance

  • 8

    Corporate/small and micro-sized customer holographic portrait

  • 100%

    Signal processing rate

  • 600+

    Post-loan warning rules

  • 85%

    Accuracy greater than

  • 50%

    Hit rate greater than

  • 15%

    Misinformation rate less than

Case—SME entrusted collection

A Rural Commercial Bank + An Insurance Company

Stage T+4

  1. Gradually increase the pressure, trace PTP, and increase the return rate.

31~60 days

  1. Reconstruct the collection strategy and the verbal skill.
  2. Pay attention to the number of effective calls and process indicators and strengthen collector compliance management.

61 ~ 90 days

  1. Restore communication, property monitoring, and E-mail lawyer's letter

Project Performance

  • 34.2%

    the average return rate

  • 214%

    Increase in the M3 return rate

  • 43%

    Increase in the average return rate

  • 3.1times

    the average return rate

Smart Government & Enterprise Platform

Relied on FiMAX blockchain technology and AI intelligence, we create an integrated and comprehensive solution of credit service, cross-border trade service, financial service and enterprise service for the government. We provide a platform for financial institutions to connect with SMEs, and meanwhile, give SMEs better access to financial resources, and help financial institutions assess the credit status of SMEs more accurately.

Product System

  • Smart Credit

    1. Supervision information integration of ministries and commissions
    2. Early warning and publicity mechanism
    3. Multi-dimensional enterprise credit system
  • Smart Cross-border Trade

    1. Intelligent declaration before customs clearance
    2. Intelligent passage in customs clearance
    3. Intelligent inspection after customs clearance
  • Smart Finance

    1. Multi-data integration: government, financial institutions and enterprises
    2. Comprehensive corporate portrait rating
    3. Intelligent risk control capability
  • Smart Services

    1. Accurate matching policy
    2. Intelligent declaration and approval
    3. Improve work efficiency

Product Advantages

Five major data sources, multi-scenario risk control solutions and full-process risk control services on loan origination, loan servicing, delinquency management with quick iteration

  • Rich Experience in Enterprise Service

    1. Relied on the group, we have served over 11 million small and micro groups and 5.4 million SMEs
    2. Trade Links Guangdong Province, Hong Kong SAR, Singapore with 3 big customs blockchain pilot project
    3. 10,000plus industrial chain data that covers 50% of strategic emerging industries such as medical, automobile and electronics industries
  • Comprehensive Government Ecological Layout

    1. The Group serves 200plus cities, 26plus government departments and covers 6000plus enterprise policies
    2. 10plus big service scenario, 2000plus enterprise service
    3. 150plus national data, 4500plus economic indicators
  • Mature Financial Ecosystem

    1. 460 billion+ inclusive loan scale, 1 trillion+ POS business volume
    2. 81 industry models, 3000+ risk control rules, 92% enterprise early warning accuracy rate
  • Scenario-based government-enterprise platform operation

    1. Combine scenarios and introduce nearly a thousand products
    2. Innovative design of government scenario-based products (government procurement credit products, etc.)

Case — SME Financing Platform

A provincial SME financing platform

Initiated by a provincial financial bureau and designed and developed by Financial One Account, it applies blockchain technology to establish a secure mutual trust mechanism between banks and SMEs, effectively solving the financing pain points of three types of SMEs: manufacturing, foreign trade and science and innovation.

Platform construction

  1. 44355 enterprises
  2. 347 financial institutions
  3. 954 financing products

Intelligent financing

  1. 10290 financing applications
  2. 215 billion application amounts
  3. 700 million epidemic area financing

Intelligent risk control

  1. 34 institutions, 250 types of data
  2. 5-dimensional corporate portrait
  3. Full coverage of 12 million enterprises

Intelligent financial supervision

  1. 10,000plus institutions with full coverage of 7+4 categories
  2. 100plus regulatory reporting system, 70plus demonstration institution model

Case — Cross-border trade

Cross-border trade platform we built empowers the port service system, promotes multi-party interconnection under the trade scenario and optimizes the business environment

Smart trade

Business collaboration

Cross-border trade blockchain alliance

  1. Save 83% in document sorting time
  2. Circulation of documents in real time, reducing 1-2 days
  3. The clearance efficiency is 5-6 times higher than the original

Smart supervision

Customs clearance and inspection
Tax administration
Inspection

Smart inspection

  1. The inspection operation time was shortened by 80% on average
  2. Greatly reduce various costs and expenses of enterprises

Smart logistics

Route planning
Efficient transportation
Intelligent port

Cross-Guangdong-Hong Kong-Macao Greater Bay Area port logistics and trade facilitation Blockchain platform

  1. Capacity utilization rate increased by 30%
  2. Transportation costs are reduced by 30%
  3. Overall throughput increased by 20%

Smart trade

Intelligent products
Intelligent risk control
Channel integration

Single window financial services

  1. Launched 13 major financial products
  2. Coves international settlement, cross-border financing and cross-border insurance
  3. More than 700,000 registered enterprises

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