Gamma Voice Platform
Artificial intelligence (Al) technologies help financial institutions improve the quality and convenience of customer services, increase efficiency and reduce HR costs. Al technologies provide applications that enable financial institutions to replace paper-consuming and labor-intensive operating environments. Financial institutions in all sectors can use modules from this product in their customer service functions.
Product System
-
Intelligent reach
- Automatic outbound calls and efficient reach help companies make breakthrough in the marketing conversion rate
- Precise voice recognition, intelligent semantic understanding and highly humanoid tone
- Full spectrum of financial use cases: deposit and wealth management, loan customer acquisition, credit card referral, callbacks for drop-offs, collection of overdue loans, etc.
-
Intelligent customer service
- Flexible interfacing of five major modules: intelligent voice navigation, text robot, call center agent assistance, intelligent knowledge base, intelligent quality control
- Build opportunities while offering services, fully dig into customers with intents, accurately recommend service marketing products, and improve the success rate of reach
- Full online closed -loop process for robot design, monitoring, training and optimization
- Human-machine collaboration, reduce costs and increase efficiency
Product Strengths
-
World Leading Engine Capability
- Two major intelligent speech engines (ASR and NLP) have won the first place in the world in multiple competitions
-
Deep Cultivation in Financial Industry
- Ready-to-use processes, templates, speech scripts and corpus for the financial industry.
- Quick applications of AI to products
-
Reduce Costs and Increase Efficiency
- AI assists humans to help customer service agents improve efficiency
- AI replaces humans to help customers reduce application costs
-
Capability of AI on Optimizing the Whole Closed-loop
- Capability of AI on Optimizing the Whole Closed-loop: training → configuration → testing → putting online → monitoring → optimization
- Help customers establish a complete AI operation structure
-
Scalable Componentization Capability
- Flexible adaptation and expansion of different application scenarios
- Following open frameworks with no specific vendors
-
Rich Experience in Integration
- Lots of successful cases and implementation experience
- Multiple demonstration customers
- Good business effect
Case - Intelligent Telemarketing
-
01
A Large Joint-stock Bank
A Large Joint-stock Bank01
Smart telemarketing performance made a breakthrough
Served nearly 10,000 agents, and the daily turnover of the system exceeded 300 million
-
02
A Financial Group
A Financial Group02
Scale
AI coverage rate was 55%, and there were 100 million outbound calls each month
Cost
The labor cost was reduced by 80%, and the engine accuracy was as high as 95%-99%
-
03
City Commercial Bank
City Commercial Bank03
Customer Reach
Contacted 200,000 far-reaching customers and effectively activated nearly 70% of existing customers
Financial Conversion
The customer conversion rate of the financial management scenario reached 1.4%, and more than 50% of the intended customers entered the actual sales environment
Operational Efficiency
Operating costs was reduced by 75%, and production capacity per person was increased by 5 times
-
04
A Financial Group
A Financial Group04
Intelligent Collection
Al refund RMB10 billion+, Al outbound calls 12 million+, Al refund rate 40%+, Al coverage rate 30%+
Case—Smart customer service
-
01
A Large Joint-stock Bank
A Large Joint-stock Bank01
Intelligent and invisible core
Effectively shorten the call duration, with an accuracy rate of 85% and a monthly call volume of over 500,000 times
Improvement of efficiency with intelligent knowledge base
Establishment of omni-channel unified business knowledge management and application, exporting tens of thousands of knowledge data and corpus, and improving knowledge retrieval efficiency
Increases quality with text robot
Omni-channel access. Provide customers with timely and smooth communication experience, exceeding 500,000 business consultations daily
-
02
A Financial Group
A Financial Group02
Size
Achieved 3,000+ use cases for intelligent customer services, an Al coverage rate of 80%+, annual service volume of 400 million + by the Al business as a whole, up 40% from the previous year
Cost
Cost of call center agents decreased by 20%, the number of call center agents decreased by 70% year-on-year with a navigation accuracy rate of 90% +
-
03
A Financial Group
A Financial Group03
Performance
The overall service marketing performance reached 420 billion+, Al service marketing output reached 242 billion and the Al service marketing rate reached 58%
Gamma R Regulatory Technology
By using advanced regulatory technology such as advanced Big Data, AI technology and intelligent algorithms, it provides end-to-end unified regulatory compliance solutions for regulatory authorities and supervised financial institutions. By integrating regulatory governance, regulatory coordination, regulatory bazaar, compliance risk early warning model and front-end application, we built an ecological closed-loop of regulatory compliance, and an intelligent regulatory linkage mechanism so as to improve the regulatory efficiency and reduce compliance operational risks.
Product System
-
Integrated Banking and Insurance Supervision Platform- Assist the establishment of regulatory tools
- End to end process monitoring and supervision.
-
Smart Supervision Platform for Financial Bureau- Full-coverage: local financial supervision scenarios
- Data visualization : financial public opinion, financial activities, off-site supervision
-
Unified Supervision Platform of Financial Enterprises- Meet the regulatory data submission requirements of various regulatory agencies
-
Digital Supervision Sandbox- The management scope of supervision extends to the scenario testing period
- Solve the trade-off between financial innovation and financial supervision
Product Advantages
-
Comprehensive Scenario
- Nearly 50 regulatory compliance items: People's Bank of China, Banking Insurance Regulatory Commission, Foreign Exchange Administration, China Securities Regulatory Commission, local financial bureaus, etc.
-
Smart Application
- Enhance the efficiency of off-site supervision: minimize manual intervention in data collection, processing and application display
-
Unified Framework
- Modular installation
- Multi-dimensional financial scenarios
- Unified supervision of data markets
- Data storage stands consistent with business standards
-
Accurate Supervision
- Comprehensive monitoring model of enterprise risk control
- Multi-dimensional data artificial intelligence algorithm
- Realize early detection, early identification and early disposal of financial enterprise risks
Case — Integrated Supervision Platform
A Large Joint-stock Bank
Pain point
Lack of model
For EAST data, there was a lack of early warning analysis model
Lack of tool
Lack of tools for verifying and monitoring regulatory data, early warning analysis, transaction analysis and organization ranking
Effectiveness
Improve the effectiveness of regional supervision and strengthen regional financial risk management
Effectively implement big data applications and build a regional financial sharing platform
Case Analysis— Unified Supervision Platform for Financial Enterprises
A City Commercial Bank
Pain point
Lack of criteria
Impossible to effectively meet various regulatory requirements of nearly 50 various regulatory agencies
Lack of rule
Unable to make predictions without understanding the evaluation criteria of regulatory authorities.
Effectiveness
Establishment of a cross-supervision, cross-departments, cross-businesses, cross-time and data platform to integrate and submit data in a uniformed way
With basic submission function, it discloses data quality problems, help with special governance capabilities, and build periodic monitoring methods
Case — Intelligent Distribution Platform
A City Commercial Bank
Pain point
Lack of criteria
Lack of unified data standard
Lack of efficiency
Too many participants with too much time consumed on data processing
Effectiveness
By optimizing the process, standardization, electronization and real-time data format, the process of the platform has been improved from T+1 to T+5
Gamma Core System
Provide technology + businesses, and the new generation overall solution featuring end-to-end integrated core system for the digital transformation of financial institutions.
With the driving force for digital transformation provided, the technology supports the digital transformation to proceed smoothly and in order.
Product System
-
Integrated Solution of Digital CoreIntegrated end-to-end solution
- The core system as the foundation
- Integrate mobile banking, open banking, lending system, wealth management, anti fraud, etc
-
Internet Core SaaS ServicesIntegrated end-to-end solution
- Internet core SaaS-based services
- Integrate peripheral innovative solutions and resources of industrial platforms
-
Core Privately-owned Brands Credit Accounts of Credit CardsProvide an overall solution of bank-level virtual credit card for large-scale Scenario-based platform;
- Based on private brand card logic
- Empowered by technology and financial consultation
Product Advantages
Four major changes compared with the traditional core system
-
Extremely distribution form
- IT cost reduction
- Dynamic expansion
- High performance and high reliability
- Distributed to one person and one enterprise
-
Completely Loose Coupling
- Product, account, transaction and accounting are completely decoupled
- Stripping of core products
- Accounting fragmentation of extended transactions
- System componentization
-
Positioning of Customer Configuration by Value
- Configure servers with different costs to customers according to customers’ contribution and active value
- Redistribute customers after changes
-
Horizontal and vertical expansion
- Sharding, atomization and modularization, cloud deployment
- Edge computing, customer-relevant services forward terminal
Realization of Four Values
-
Cost reduction
- Reduce IT operating costs of a single account significantly
- Reduce hardware costs, operation and maintenance costs, and accident rates
-
Performance Improvement
- The core size is variable and the flexible
-
Efficiency Improvement
- Innovation can support distribution to individuals
- 1-day launching
-
Experience Improvement
- Use of video and voice to replace traditional menus
- The response rate increased to millisecond level
Case Analysis— Integrated Digital Core Solution
A Virtual Bank
Pain point
Lack of system
Being one of the earliest new virtual banks, it has no tech or system support
Heavy Mode
The traditional core business mode was too heavy that it took a long time to launch, which may affect the launching schedule.
Effectiveness
6 months for launch
RTO was 5 minutes and RPO close to 0. It’s empowered by a highly available core system based on cloud platform and it’s equipped with open banking architecture
Case Analysis— Internet Core SaaS Services
A Provincial Financial Supervision & Administration Bureau
Pain point
Fierce competition
The deposit and loan businesses were affected by major banks and new financial products
Weak system
the development of bank Internet business is obviously restricted due to the limitation of provincial association system
Effectiveness
Helped the bank increase 13% of customers and enhanced its Internet business capabilities
Providing efficient and convenient services by getting customers via the Internet.
Case Analysis— Internet Core SaaS Services
A City Commercial Bank
Pain point
Difficult to acquire customers
High customer acquisition cost due to the non-ideal operation location and channel
Weak innovation
With high pressure from the local supervision, customer products lack innovation
Effectiveness
A wide range of customer reaching method and flexible product definition that helped to absorb 7 billion deposits in 3 months
Provide operational services to realize online and intelligent businesses while providing technical support
Case Analysis— Credit Account
A City Commercial Bank
Pain point
Lack of system
Though having mature business scenarios, it was still impossible to realize commercial value due to the lack of professional financial system support and understanding of financial businesses
Difficult to construct independently
With the financial core system being professional and complex, it was extremely difficult to be built independently
Effectiveness
Lightweight system put online in 3 months, combining online and offline processes, rapid system response and deployment. With the comprehensive product system and strong risk control capability, it helped the construction of financial products of the owner, continuously realizing financial income after being operated.
Gamma O Open Platform (Financial Mid-end)
Provide platform construction and open technical services for financial institutions, governmental agencies, large enterprises, etc., through componentization, modularization, and configuration, reduce the technology application threshold, improve the efficiency of financial business innovation and scenario ecological access, and build an open innovation ecology based finance + and technology.Product System
-
PaaS Component Middle Platform- Focus on the vertical financial sector
- Two-way open technology + finance platform
- Assist various organizations:
Establish a complete open service system - Promote ecological connectivity - Broke the chimney type system isolated data island
-
DaaS Data Middle Platform- Overall planning consultation in middle platform
- Modular components and scheme output
- Data lake, data governance, data application, etc included.
-
BaaS Blockchain Platform- High performance, high level of safety and high reliability
- Five ecological circles of Ping An: finance, medical care, environmental protection, real estate and smart city
- Apply blockchain technology to different scenarios quickly
Product Advantage
PaaS component middle platform
-
Standard Component Services
- 50-plus component templates
- 100-plus component services
- Unified interface standards
- Quick connection and implementation
-
High Efficiency Middle Platform
- Flexible configuration of component application
- Visual arrangement of business functions
- Implement 0 code development
-
Innovation incubation sandbox
- Construction of a sandbox environment for innovative incubation supervision
- Rapid implementation of products
-
Construction of an open ecology
- Cultivation of the vertical fields of the industry
- The joining of technology and scenario service providers and financial institutions
DaaS Data Middle Platform
-
Full Coverage
- Internal and external data integration
- Data standardized management
- Metadata management
- Data quality monitoring
- Data security management
-
Compliance with Regulation
- Provide solutions based on the requirements of the CBIRC (China Banking and Insurance Regulatory Commission) for data governance
- Data control, data management and data application included
-
Professional Intelligence
- Support massive data processing and calculation
- Rich embedded algorithms
- Integrated natural language data exploration and analysis engine
- Open up data governance through to data applications
BaaS — Blockchain Platform
-
Fully Encrypted Framework
- All the chains encrypted by the provider
- Calculation, operation and verification all completed in the state of undeciphered ciphertext
- Innovate independently & solely-owned worldwide
-
3D Zero Knowledge Algorithm System
- The calculation and verification of zero-knowledge homomorphism (addition, subtraction, multiplication and division) are completed in 1 millisecond in the encrypted environment.
- No equivalent algorithm technology in the world
-
Zero latency, high throughput, and low consumption
- The world's leading block-free framework
- Transactions are processed in real time with an average delay of 0.009 seconds
- 22-core 2.1 GHZ processor with zero latency up to 90,000 TPS
Case Analysis— Open PaaS Platform
-
A Municipal Intermediate People's Court
- Empower justice by improving case processing efficiency and unleashing public resources; serve the public by reducing technical costs and sharing technical capabilities.
-
An Overseas Financial Institutions Authority
- Implement digital sandbox to promote the healthy development of local FinTech
-
The Construction of the Open Bank of a Small and Medium-sized Bank
- By building the open bank, it integrated intra-bank systems, efficiently introduced external resources, reduced the cost of setting up scenes, and built an "open ecological" system inside out.
Case Analysis— BaaS Cross-border Trade Project
Data Cross-validation
Generate Customs Declaration Form Automatically
- Data migration to the blockchain
- Decryption authorization
- Cross validation
- Fast customs clearance
-
All parties involved in the trade will encrypt the information through the Cathaya intermediate file and upload it to the blockchain
-
The decryption authorization for specific data can be performed field by field, or automatically authorized by rules set.
-
In a same transaction, the data of different participants can be cross-verified in plaintext or ciphertext in the network
-
For low-risk businesses, according to the cross-validation results, preferential policies for rapid customs clearance can be applied.
Gamma O Open Platform (Smart Management)
Based on more than 30 years' experience in enterprise operation and successful management of the Ping An Group, solutions such as enterprise office, contract management and business analysis can be provided, and smart and data-driven management platform can be built. Besides, enterprises can be helped to improve management efficiency, reduce management risks, enhance business insight, enabling enterprises to transform digitally in their operation and management.
Product System
-
Case — Smart Office- Omni-scenario coverage
- Component-based product
- Matching of organizational management concepts
- Process Customization
- Five-level information security system
-
Good lawyer service- Online-based intelligent legal service
- Serving enterprise clients and lawyers
- Online management of enterprise contracts and cases
- Online risk review of corporate users' counterparties
-
Smart Operation Analysis- Open up data, unify business standards and data indicators, and facilitate self-observation and peer review
- Assist in decision-making and promote a business brain of "knowing, noticing and acting in advance"
- The platform goes first, and empowers the operation and management by system construction
Product Advantages
-
Multi-dimensional Scenarios
- Smart office: Communication, meeting, administration, personnel, finance, legal compliance, internal control and IT management
- Smart Operation Analysis: Market value management, overall management, organization, corporate, retails, etc
-
Financial-level Security Protection
- Four-layer protection: Equipment security, application security, communication security and data security
- Meet the requirements of financial supervision and ensure the information security of enterprises in all aspects
-
Data Standardization Driven
- Extract enterprise management data management standards from fragmented business data
- Unify operating and business terms, and provide integrated management indicators
-
Expert Business Experience
- Ping An management concept, best practice product output technology, and the joining of scenario service providers and financial institutions
- Creation of exclusive solutions by experts in relevant fields
- Combination of cutting-edge scientific and technological capabilities to empower financial institutions
Case Analysis— Smart Office
Smart Office
- Providing SaaS platform services for AI interviews of a technology company AI interviews Providing SaaS platform services
- 20,000-pluspersons AI assisted interviews
- Helping of large-scale graduate recruitment in spring and autumn
- Application of AI capabilities such as face recognition and speech recognition into accessing the question and answer model interaction
- Cloud platform providing monitoring services
Case Analysis— Smart Operation Analysis
Smart Operation Analysis
Building of a smart management system and platform for a leading joint-stock commercial bank in China to achieve unified data, intelligent analysis and efficient decision-making featuring "realization of knowing, noticing and acting in advance”.
- Integration and connection of business data, building of a standardized business data indicator system, thus realizing the business overview from different perspectives
- Assisting of business intelligence decision-making, thus realizing a deep and thorough perspective with the business scenarios of the whole bank, institutions and business lines
- Building of a platform-based system, breaking the upper limit of the operation, empowering digital and intelligent transformation of operation and management, and improving efficiency and effectiveness
Case Analysis— Good Lawyer Service
Good lawyer service
- Already provided products and services to hundreds of professional companies, 1,000-plus legal personnel、300,000-plusemployees in a large financial group, and reviewed1.2 millioncontracts through online methods
- Fully online workflow, intelligent tools and flexible configurability based on user needs have been recognized and praised by customers
- The SaaS deployment mode has guaranteed the data security and stability effectively. At the same time, the launching and using of products have formed a very convenient standardized process.
Gamma Financial Cloud
We will provide customers with various consultations, designs, migrations and deployment services on cloud structure, including public cloud, private cloud and hybrid cloud with our deep understanding and rich experience in financial services industry and advanced technology.
Product System
-
Financial Group Cloud - Implement construction in accordance to the requirements of the People's Bank of China Financial Cloud 500-plus security compliance
- Providing of 50-plus ready-to-use financial-level cloud services
- Three centers with a six-level of disaster tolerance in two places
- Reduce TCO cost of users in a large scale
-
Financial Private Cloud - Meet the data security needs of financial customers' core businesses
- Open and compatible with customers' existing environments
- Support traditional financial resources such as Oracle, Power minicomputer and heterogeneous security equipment to be migrated to the cloud
-
Cloud Management Platform- Connect with existing system through open interfaces
- Being able to manage a variety of heterogeneous infrastructures such as private cloud, group cloud and commercial hardware simultaneously
- Unification of operation and maintenance and operation views to realize self-help, automation and visualization of IT processes, operation and maintenance processes and management processes
-
Integrated Financial Cloud Machine- Combination of rich business applications of the front end of the OneConnect with the bottom layer of the financial cloud
- Focus on the rapid delivery of financial services, safe and controllable operation, and automated operation and maintenance scenarios
Product Advantages
-
Unique Industry Accumulation
- Industry experience: 31 years of financial industry precipitation, 90-plus cloud computing sub-products
- Technical ability: 1200-plus patents for invention, 400-plus cloud patents
- Platform scale: the largest financial cloud platform in China that covers banking, insurance and investment
-
Sustainably Evolving Unified Multi-Cloud Management
- Sustainable IT Architecture: Integration of mainstream public cloud, private cloud, container platform and tool-set
- Realization of IT quick-service mode: providing of 100-plus ready-to-use self-cloud service and building of IT application environment in minutes
- Integrated full-stack cloud experience: integrated design of computing, storage, network, monitoring and operation, and its delivery and upgrade
-
Three-dimensional Integrated Security System
- Framework system: with management, technology, and operation as the framework, and platform and tenant security as the core to support financial cloud business
- Service features: 10-plus security cloud service features, such as security compliance inspection, unified management of heterogeneous security, situational sensing services, etc.
- Authoritative certification: 12 authoritative professional safety certifications at home and abroad, and being the first that has passed the People's Bank of China Financial Cloud 500+ security pre-evaluation
Case Analysis — Cloud-based Internet financial business
An Internet Finance Marketing Platform of a Rural Commercial Bank
- The requirement was for the business to be launched quickly to generate revenue
- It is a long-cycled and highly-costly to deploy and build IDC
56%
Support the growth rate of business explosion 62 %
62%
IT cost reduction
Case—Cloud-based financial system module
A City Commercial Bank
Customer pain points
- The requirement was for the business to be launched quickly to generate revenue
- It is a long-cycled and highly-costly to deploy and build IDC
- It is not compliant with bank safety standards to deploy self-built IDC
- Third-party applications cannot be deployed in provincial credit unions and UnionPay
Gamma Voice Platform
Artificial intelligence (Al) technologies help financial institutions improve the quality and convenience of customer services, increase efficiency and reduce HR costs. Al technologies provide applications that enable financial institutions to replace paper-consuming and labor-intensive operating environments. Financial institutions in all sectors can use modules from this product in their customer service functions.
Product System
-
Intelligent reach
- Automatic outbound calls and efficient reach help companies make breakthrough in the marketing conversion rate
- Precise voice recognition, intelligent semantic understanding and highly humanoid tone
- Full spectrum of financial use cases: deposit and wealth management, loan customer acquisition, credit card referral, callbacks for drop-offs, collection of overdue loans, etc.
-
Intelligent customer service
- Flexible interfacing of five major modules: intelligent voice navigation, text robot, call center agent assistance, intelligent knowledge base, intelligent quality control
- Build opportunities while offering services, fully dig into customers with intents, accurately recommend service marketing products, and improve the success rate of reach
- Full online closed -loop process for robot design, monitoring, training and optimization
- Human-machine collaboration, reduce costs and increase efficiency
Product Strengths
-
World Leading Engine Capability
- Two major intelligent speech engines (ASR and NLP) have won the first place in the world in multiple competitions
-
Deep Cultivation in Financial Industry
- Ready-to-use processes, templates, speech scripts and corpus for the financial industry.
- Quick applications of AI to products
-
Reduce Costs and Increase Efficiency
- AI assists humans to help customer service agents improve efficiency
- AI replaces humans to help customers reduce application costs
-
Capability of AI on Optimizing the Whole Closed-loop
- Capability of AI on Optimizing the Whole Closed-loop: training → configuration → testing → putting online → monitoring → optimization
- Help customers establish a complete AI operation structure
-
Scalable Componentization Capability
- Flexible adaptation and expansion of different application scenarios
- Following open frameworks with no specific vendors
-
Rich Experience in Integration
- Lots of successful cases and implementation experience
- Multiple demonstration customers
- Good business effect
Gamma R Regulatory Technology
By using advanced regulatory technology such as advanced Big Data, AI technology and intelligent algorithms, it provides end-to-end unified regulatory compliance solutions for regulatory authorities and supervised financial institutions. By integrating regulatory governance, regulatory coordination, regulatory bazaar, compliance risk early warning model and front-end application, we built an ecological closed-loop of regulatory compliance, and an intelligent regulatory linkage mechanism so as to improve the regulatory efficiency and reduce compliance operational risks.
Product System
-
Integrated Banking and Insurance Supervision Platform- Assist the establishment of regulatory tools
- End to end process monitoring and supervision.
-
Smart Supervision Platform for Financial Bureau- Full-coverage: local financial supervision scenarios
- Data visualization : financial public opinion, financial activities, off-site supervision
-
Unified Supervision Platform of Financial Enterprises- Meet the regulatory data submission requirements of various regulatory agencies
-
Digital Supervision Sandbox- The management scope of supervision extends to the scenario testing period
- Solve the trade-off between financial innovation and financial supervision
Product Advantages
-
Comprehensive Scenario
- Nearly 50 regulatory compliance items: People's Bank of China, Banking Insurance Regulatory Commission, Foreign Exchange Administration, China Securities Regulatory Commission, local financial bureaus, etc.
-
Smart Application
- Enhance the efficiency of off-site supervision: minimize manual intervention in data collection, processing and application display
-
Unified Framework
- Modular installation
- Unified supervision of data markets
- Multi-dimensional financial scenarios
- Data storage stands consistent with business standards
-
Accurate Supervision
- Comprehensive monitoring model of enterprise risk control
- Multi-dimensional data artificial intelligence algorithm
- Realize early detection, early identification and early disposal of financial enterprise risks
Case — Integrated Supervision Platform
A Virtual Bank
Pain point
Lack of model
- For EAST data, there was a lack of early warning analysis model
Lack of tool
- Lack of tools for verifying and monitoring regulatory data, early warning analysis, transaction analysis and organization ranking
Effectiveness
- Improve the effectiveness of regional supervision and strengthen regional financial risk management
- Effectively implement big data applications and build a regional financial sharing platform
Case Analysis— Smart Supervision Platform
A Provincial Financial Supervision & Administration Bureau
Pain point
Lack of management
- Lack of supervision and management measures for "7+4" micro-financial institutions within their jurisdiction
Lack of data
- Lack of relevant supporting data and macro industry experience analysis
Effectiveness
- Help the financial bureau realize the intelligent application of "model" rating
- Increase of identification and early warning rate by 34%
Case Analysis— Unified Supervision Platform for Financial Enterprises
A City Commercial Bank
Pain point
Lack of criteria
- Impossible to effectively meet various regulatory requirements of nearly 50 various regulatory agencies
Lack of rule
- Unable to make predictions without understanding the evaluation criteria of regulatory authorities.
Effectiveness
- Establishment of a cross-supervision, cross-departments, cross-businesses, cross-time and data platform to integrate and submit data in a uniformed way
- With basic submission function, it discloses data quality problems, help with special governance capabilities, and build periodic monitoring methods
Case — Intelligent Distribution Platform
A City Commercial Bank
Pain point
Lack of criteria
- Lack of unified data standard
Lack of efficiency
- Too many participants with too much time consumed on data processing
Effectiveness
- By optimizing the process, standardization, electronization and real-time data format, the process of the platform has been improved from T+1 to T+5
Gamma Core System
Provide technology + businesses, and the new generation overall solution featuring end-to-end integrated core system for the digital transformation of financial institutions.
With the driving force for digital transformation provided, the technology supports the digital transformation to proceed smoothly and in order.
Product System
-
Integrated Solution of Digital Core
Integrated end-to-end solution
- The core system as the foundation
- Integrate mobile banking, open banking, lending system, wealth management, anti fraud, etc
-
Internet Core SaaS Services
Integrated end-to-end solution
- Internet core SaaS-based services
- Integrate peripheral innovative solutions and resources of industrial platforms
-
Core Privately-owned Brands Credit Accounts of Credit Cards
Provide an overall solution of bank-level virtual credit card for large-scale Scenario-based platform;
- Based on private brand card logic
- Empowered by technology and financial consultation
Product Advantages
Four major changes compared with the traditional core system
-
Extremely distribution form
- IT cost reduction
- High performance and high reliability
- Dynamic expansion
- Distributed to one person and one enterprise
-
Completely Loose Coupling
- Product, account, transaction and accounting are completely decoupled
- Accounting fragmentation of extended transactions
- Stripping of core products
- System componentization
-
Positioning of Customer Configuration by Value
- Modular installation
- Unified supervision of data markets
-
Horizontal and vertical expansion
- Sharding, atomization and modularization, cloud deployment
- Edge computing, customer-relevant services forward terminal
Realization of Four Values
-
Cost reduction
- Reduce IT operating costs of a single account significantly
- Reduce hardware costs, operation and maintenance costs, and accident rates
-
Performance Improvement
- The core size is variable and the flexible
-
Efficiency Improvement
- Innovation can support distribution to individuals
- 1-day launching
-
Experience Improvement
- Use of video and voice to replace traditional menus
- The response rate increased to millisecond level
Case Analysis— Integrated Digital Core Solution
A Virtual Bank
Pain point
Lack of system
- Being one of the earliest new virtual banks, it has no tech or system support
Heavy Mode
- The traditional core business mode was too heavy that it took a long time to launch, which may affect the launching schedule.
Effectiveness
- 6 months for launch
- RTO was 5 minutes and RPO close to 0. It’s empowered by a highly available core system based on cloud platform and it’s equipped with open banking architecture
Case Analysis— Internet Core SaaS Services
A Provincial Financial Supervision & Administration Bureau
Pain point
Fierce competition
- The deposit and loan businesses were affected by major banks and new financial products
Weak system
- the development of bank Internet business is obviously restricted due to the limitation of provincial association system
Effectiveness
- Helped the bank increase 13% of customers and enhanced its Internet business capabilities
- Providing efficient and convenient services by getting customers via the Internet.
Case Analysis— Internet Core SaaS Services
A City Commercial Bank
Pain point
Difficult to acquire customers
- High customer acquisition cost due to the non-ideal operation location and channel
Weak innovation
- With high pressure from the local supervision, customer products lack innovation
Effectiveness
- A wide range of customer reaching method and flexible product definition that helped to absorb 7 billion deposits in 3 months
- Provide operational services to realize online and intelligent businesses while providing technical support
Case Analysis— Credit Account
A City Commercial Bank
Pain point
Lack of system
- Though having mature business scenarios, it was still impossible to realize commercial value due to the lack of professional financial system support and understanding of financial businesses
Difficult to construct independently
- With the financial core system being professional and complex, it was extremely difficult to be built independently
Effectiveness
- Lightweight system put online in 3 months, combining online and offline processes, rapid system response and deployment. With the comprehensive product system and strong risk control capability, it helped the construction of financial products of the owner, continuously realizing financial income after being operated.
Gamma O Open Platform (Financial Mid-end)
Provide platform construction and open technical services for financial institutions, governmental agencies, large enterprises, etc., through componentization, modularization, and configuration, reduce the technology application threshold, improve the efficiency of financial business innovation and scenario ecological access, and build an open innovation ecology based finance + and technology.
Product System
-
PaaS Component Middle Platform
- Focus on the vertical financial sector
- Two-way open technology + finance platform
- Assist various organizations:Establish a complete open service system - Promote ecological connectivity - Broke the chimney type system isolated data island
-
DaaS Data Middle Platform
- Overall planning consultation in middle platform
- Modular components and scheme output
- Data lake, data governance, data application, etc included.
-
BaaS Blockchain Platform
- High performance, high level of safety and high reliability
- Five ecological circles of Ping An: finance, medical care, environmental protection, real estate and smart city
- Apply blockchain technology to different scenarios quickly
Product Advantage
PaaS component middle platform
-
Standard Component Services
- 50-plus component templates
- Unified interface standards
- 100-plus component services
- Quick connection and implementation
-
High Efficiency Middle Platform
- Flexible configuration of component application
- Implement 0 code development
- Visual arrangement of business functions
-
Innovation incubation sandbox
- Construction of a sandbox environment for innovative incubation supervision
- Rapid implementation of products
-
Construction of an open ecology
- Cultivation of the vertical fields of the industry
- The joining of technology and scenario service providers and financial institutions
DaaS Data Middle Platform
-
Full Coverage
- Internal and external data integration
- Data standardized management
- Metadata management
- Data quality monitoring
- Data security management
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Compliance with Regulation
- Provide solutions based on the requirements of the CBIRC (China Banking and Insurance Regulatory Commission) for data governance
- Data control, data management and data application included
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Professional Intelligence
- Support massive data processing and calculation
- Rich embedded algorithms
- Integrated natural language data exploration and analysis engine
- Open up data governance through to data applications
BaaS — Blockchain Platform
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Fully Encrypted Framework
- All the chains encrypted by the provider
- Calculation, operation and verification all completed in the state of undeciphered ciphertext
- Innovate independently & solely-owned worldwide
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3D Zero Knowledge Algorithm System
- The calculation and verification of zero-knowledge homomorphism (addition, subtraction, multiplication and division) are completed in 1 millisecond in the encrypted environment.
- No equivalent algorithm technology in the world
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Zero latency, high throughput, and low consumption
- The world's leading block-free framework
- Transactions are processed in real time with an average delay of 0.009 seconds
- 22-core 2.1 GHZ processor with zero latency up to 90,000 TPS
Case Analysis— Open PaaS Platform
A Municipal Intermediate People's Court
- Empower justice by improving case processing efficiency and unleashing public resources; serve the public by reducing technical costs and sharing technical capabilities.
An Overseas Financial Institutions Authority
- Implement digital sandbox to promote the healthy development of local FinTech
The Construction of the Open Bank of a Small and Medium-sized Bank
- By building the open bank, it integrated intra-bank systems, efficiently introduced external resources, reduced the cost of setting up scenes, and built an "open ecological" system inside out.
Case Analysis— BaaS Cross-border Trade Project
Data Cross-validation
purchase of ordersConsignee
InvoiceConsignee
Packing listConsignee
WaybillConsignee
Customs declaration formConsignee
Generate Customs Declaration Form Automatically
Case Analysis— BaaS Cross-border Trade Project
Data migration to the blockchain
All parties involved in the trade will encrypt the information through the Cathaya intermediate file and upload it to the blockchain
Decryption authorization
The decryption authorization for specific data can be performed field by field, or automatically authorized by rules set.
Cross validation
In a same transaction, the data of different participants can be cross-verified in plaintext or ciphertext in the network
Fast customs clearance
For low-risk businesses, according to the cross-validation results, preferential policies for rapid customs clearance can be applied.
Gamma O Open Platform (Smart Management)
Based on more than 30 years' experience in enterprise operation and successful management of the Ping An Group, solutions such as enterprise office, contract management and business analysis can be provided, and smart and data-driven management platform can be built. Besides, enterprises can be helped to improve management efficiency, reduce management risks, enhance business insight, enabling enterprises to transform digitally in their operation and management.
Product System
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Case — Smart Office
- Omni-scenario coverage
- Component-based product
- Matching of organizational management concepts
- Process Customization
- Five-level information security system
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Good lawyer service
- Online-based intelligent legal service
- Serving enterprise clients and lawyers
- Online management of enterprise contracts and cases
- Online risk review of corporate users' counterparties
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Smart Operation Analysis
- Open up data, unify business standards and data indicators, and facilitate self-observation and peer review
- Assist in decision-making and promote a business brain of "knowing, noticing and acting in advance"
- The platform goes first, and empowers the operation and management by system construction
Product Advantages
PaaS component middle platform
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Multi-dimensional Scenarios
- Smart office: Communication, meeting, administration, personnel, finance, legal compliance, internal control and IT management
- Smart Operation Analysis: Market value management, overall management, organization, corporate, retails, etc
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Data Standardization Driven
- Extract enterprise management data management standards from fragmented business data
- Unify operating and business terms, and provide integrated management indicators
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Financial-level Security Protection
- Four-layer protection: Equipment security, application security, communication security and data security
- Meet the requirements of financial supervision and ensure the information security of enterprises in all aspects
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Expert Business Experience
- Ping An management concept, best practice product output technology, and the joining of scenario service providers and financial institutions
- Creation of exclusive solutions by experts in relevant fields
- Combination of cutting-edge scientific and technological capabilities to empower financial institutions
Case Analysis— Smart Office
Smart Office
- Providing SaaS platform services for AI interviews of a technology company AI interviewsProviding SaaS platform services
- 20,000-plus persons AI assisted interviews
- Helping of large-scale graduate recruitment in spring and autumn
- Application of AI capabilities such as face recognition and speech recognition into accessing the question and answer model interaction
- Cloud platform providing monitoring services
Case Analysis— Smart Operation Analysis
Smart Operation Analysis
Building of a smart management system and platform for a leading joint-stock commercial bank in China to achieve unified data, intelligent analysis and efficient decision-making featuring "realization of knowing, noticing and acting in advance”.
- Integration and connection of business data, building of a standardized business data indicator system, thus realizing the business overview from different perspectives
- Assisting of business intelligence decision-making, thus realizing a deep and thorough perspective with the business scenarios of the whole bank, institutions and business lines
- Building of a platform-based system, breaking the upper limit of the operation, empowering digital and intelligent transformation of operation and management, and improving efficiency and effectiveness
Case Analysis— Good Lawyer Service
Good lawyer service
- Already provided products and services to hundreds of professional companies,1,000-pluslegal personnel、300,000-plusemployees in a large financial group, and reviewed1.2 million contracts through online methods
- Fully online workflow, intelligent tools and flexible configurability based on user needs have been recognized and praised by customers
- The SaaS deployment mode has guaranteed the data security and stability effectively. At the same time, the launching and using of products have formed a very convenient standardized process.
Gamma Financial Cloud
We will provide customers with various consultations, designs, migrations and deployment services on cloud structure, including public cloud, private cloud and hybrid cloud with our deep understanding and rich experience in financial services industry and advanced technology.
Product System
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Financial Group Cloud- Implement construction in accordance to the requirements of the People's Bank of China Financial Cloud 500-plus security compliance
- Providing of 50-plus ready-to-use financial-level cloud services
- Three centers with a six-level of disaster tolerance in two places
- Reduce TCO cost of users in a large scale
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Financial Private Cloud- Meet the data security needs of financial customers' core businesses
- Open and compatible with customers' existing environments
- Support traditional financial resources such as Oracle, Power minicomputer and heterogeneous security equipment to be migrated to the cloud
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Cloud Management Platform- Connect with existing system through open interfaces
- Being able to manage a variety of heterogeneous infrastructures such as private cloud, group cloud and commercial hardware simultaneously
- Unification of operation and maintenance and operation views to realize self-help, automation and visualization of IT processes, operation and maintenance processes and management processes
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Integrated Financial Cloud Machine- Combination of rich business applications of the front end of the OneConnect with the bottom layer of the financial cloud
- Focus on the rapid delivery of financial services, safe and controllable operation, and automated operation and maintenance scenarios
Product Advantages
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Unique Industry Accumulation
- Industry experience: 31 years of financial industry precipitation, 90-plus cloud computing sub-products
- Technical ability: 1200-plus patents for invention, 400-plus cloud patents
- Platform scale: the largest financial cloud platform in China that covers banking, insurance and investment
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Sustainably Evolving Unified Multi-Cloud Management
- Sustainable IT Architecture: Integration of mainstream public cloud, private cloud, container platform and tool-set
- Realization of IT quick-service mode: providing of 100-plus ready-to-use self-cloud service and building of IT application environment in minutes
- Integrated full-stack cloud experience: integrated design of computing, storage, network, monitoring and operation, and its delivery and upgrade
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Three-dimensional Integrated Security System
- Framework system: with management, technology, and operation as the framework, and platform and tenant security as the core to support financial cloud business
- Service features: 10-plus security cloud service features, such as security compliance inspection, unified management of heterogeneous security, situational sensing services, etc.
- Authoritative certification: 12 authoritative professional safety certifications at home and abroad, and being the first that has passed the People's Bank of China Financial Cloud 500+ security pre-evaluation
Case Analysis — Cloud-based Internet financial business
An Internet Finance Marketing Platform of a Rural Commercial Bank
- The requirement was for the business to be launched quickly to generate revenue
- It is a long-cycled and highly-costly to deploy and build IDC
- It is not compliant with bank safety standards to deploy self-built IDC
- It is not compliant with bank safety standards to deploy self-built IDC 56 %
56%
Support the growth rate of business explosion 62 %
62%
IT cost reduction
Case—Cloud-based financial system module
Customer pain points
- The requirement was for the business to be launched quickly to generate revenue
- It is a long-cycled and highly-costly to deploy and build IDC
- It is not compliant with bank safety standards to deploy self-built IDC
- Third-party applications cannot be deployed in provincial credit unions and UnionPay
