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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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Smart Retail Marketing

Provide end-to-end smart marketing solutions for retail banking business; assist banks in designing an integrated solution from retail transformation consulting to plan implementation; build a one-stop wealth management service platform and smart sales management system (Smart Banker APP) empowerment to increase retail AUM; Adopt digital marketing for precision customer acquisition, precision marketing, smart distribution of best sales strategies, and full-process marketing control; support banks to reach business targets for new customer acquisition and operation of existing business.

Product System

  • Retail transformation consulting

    1. Help banks in industry benchmarking and self-diagnosis through lightweight BHI banking health index products.
    2. Three steps of Diagnosis - Planning - Implementation help banks build a complete digital transformation system for retail banking and ensure the implementation of strategies.
  • WM Cloud Platform

    1. Connect diversified investment products and bank branches through one-stop WM service platform
    2. Build and improve product and service system to empower bank’s wealth management business
    3. Provide reliable wealth management system, platform and tool for wealth manager, wealth advisor, retail customers and heads in charge
  • Smart Banker

    1. Apply big data capabilities and digital tools to empower sales teams, innovate management model, and improve the sales management model of banks
    2. Build AI Banker that covers all retail business scenarios; improve the refined operation management competence of retail banking team
  • Smart Marketing Integration

    1. Precision customer acquisition + precision marketing
    2. Smart distribution of best sales strategies
    3. Full-process marketing control
    4. Effectively acquire new customers and conduct existing business

Product Strengths

  • Accumulation of Successful Experience

    1. PAB’s successful retail transformation model
    2. Accumulate rich digital transformation cases and experience in serving banking institutions
    3. Based on real banking application scenarios of 30,000+ bank employees
    4. Professional technology and implementation service team
  • 精准渠道

    Digital Empowerment

    1. AI business development tools + operation middle office
    2. Empower sales force and managers
    3. Whole-process and full-scenario support
    4. Fully realize the management standardization
  • 智能营销

    Smart Marketing Allocation

    1. Smart rating based on multi-dimensional value calculation
    2. Matching of smart products and customers
    3. Smart and optimal allocation for channels; reach customers efficiently
  • 精准渠道

    Connected to Precision Channels

    1. Quick access to multi-channel traffic
    2. Smart and dynamic adjustment of channel allocation
    3. Fill in the gap of user profile; filter and select high quality customers
  • 精准客群

    Precise Customer Segment Selection

    1. Use case model + tag models for precise screening of customer segments
    2. Multi-dimensional calculation of the value of marketing clues
    3. Smart generation of customized marketing wording
  • 闭环数据

    Access to Precision Channels

    1. Testing of embedded points in the whole marketing process; review marketing effect
    2. Digital sales management process; effective insights into business opportunities
    3. Regularly review marketing; optimal customer reach

Case - Retail Transformation Consulting

零售转型

Case - Smart Banker

销售管理解决方案

Smart Risk Control

Leveraging AI, big data, blockchain and other cutting-edge technologies, we provide risk control service before, during and after loans. We focus on quality credit scenarios to help banks build a complete whole-process business system; we provide banks with end-to-end smart risk management solutions, including digital risk control and digital credit, to improve retail LUM.

Product System

  • Scenario-Based Loan Solution

    1. Focus on multiple quality credit scenarios; assist banks in building a complete whole-process loan business system (houses as collateral/white-collar loan/ auto finance/tobacco loans)
    2. Design differentiated products based on local market characteristics
    3. Online and smart transformation of the whole business process
    4. Assist banks in building an online and offline professional team for customer acquisition through channels; greatly increase the capacity of independent customer acquisition.
  • Digital solutions to end-to-end risk management

    1. Based on many years of experience, we can support the multi-mode digital solutions to risk management, i.e. “platform+consultation+data+system”. The product application runs through the whole life cycle of retail credit. We can help financial institutions at different business stages to overcome challenges.
    2. E authentication platform: We can, by means of SaaS, provide financial institutions with legally, high-quality and professional risk management products through SaaS.
    3. OneConnect Smart Risk Management Platform: Featuring openness, ecological scenarios, single customers, digitalization, smart knowledge base, and middle office, the platform covers the whole process of lending with a set of systems that is equipped with multi-scenario products in the market.

Product Strengths

Multi-scenario risk management solutions, pre-loan coverage, on loan, whole-process post-loan risk control service, quick iterative go-live

  • 前沿金融科技

    Cutting-Edge Fintech

    1. Introduce big data, AI and other advanced technologies; cover knowledge map, data fusion and a dozens of cutting-edge technologies and algorithms
  • 金融级安全稳定服务

    Introduce Financial-Level Security And Stability Services

    1. Serve over 3000 institutions in the industry; accumulate rich experience
    2. Over 1.5bn service times per year; first-class product quality and stability
  • 多场景快速上线

    Quick Launch For Multiple Scenarios

    1. “Multi-purpose” layout concept; one system for multiple credit scenarios
    2. Modular component middle office; highly decoupled and extensible
    3. Support Lego-style combination; provide diversified scenario templates
    4. One-click for deployment in multiple platforms; real-time launch; rapid iteration and optimization
  • 全流程业务效率提升

    Improve Whole-Process Business Efficiency

    1. Provide end-to-end service from consulting to implement integration, different from traditional consultation
    2. Digital risk control for the whole process; significantly reduce NPLs
    3. Smart operation refines management granule
    4. Significant improvement in approval efficiency and customer experience

Case - Scenario-Based Loan Solution - Auto Finance

车金融

Case - Scenario-Based Loan Solution
Loans With Houses As Collateral

  1. Diversified customer acquisition and system applicationprocess; monthly average drawdown: RMB 400mn
  2. Monthly average drawdown for customers through One-Connect: RMB100 mn
  3. Monthly average drawdown for proprietary customers of the bank increased from RMB50mn to RMB300mn
  4. Approval feedback in one day and drawdown within 3 days
销售管理解决方案

Case - Digital Credit Platform

销管营销工具

Case - Digital Risk Control

数字风控

车金融

数字风控

Smart Retail Operation

Provide banks with comprehensive online services; carry out platform building, scenario building and operation and customer marketing activities to address difficulties in customer acquisition, customer activity and transactions; facilitate bank customer conversion and financial liquidity; help banks build a complete retail business ecosystem and improve retail customer operation.

Product System

  • Unified Marketing Platform

    1. Integrate marketing platform for scenarios; combine multiple marketing models; adopt user stratification and refined operation; realize precise customer reach; improve user stickiness of channels.
  • Benefit Operation Platform

    1. Focus on the customer benefit marketing platform; expand marketing service capabilities through loyalty points and benefits; introduce quality merchants and third-party service platforms; provide bank users with diversified scenario services; ultimately realize convertible financial innovations.
  • O2O Life Service Platform

    1. O2O life service platform takes life scenarios as the starting point and provide scenarios for banks to reach customers. While building online service capabilities, the platform also adopts the data tags generated by customers in the consumption scenarios and converts them into customer profiling, which expands scenarios and converts them into financial business.
  • Digital Operation Service

    1. Ecosystem empowers finance; build “finance + life services” ecosystem.
    2. Online operation covers C-end customers whole online life cycle, including customer reach, customer activity, tag accumulation and financial conversion.

Product Strengths

  • 高频次场景

    Cutting-Edge Fintech

    1. O2O service merchants with local characteristics
    2. Financial scenario extension
    3. High-frequency scenario extension
    4. Financial service conversion
  • 轻量化上线

    Light-Weight Digitalization

    1. SaaS cloud platform
    2. Light-weight connection
    3. Standard component
    4. Connected to cloud benefits database
  • 多场景运营

    Multi-Scenario Operation

    1. Effective management: user, content, product data
    2. Enhance value: target user growth, revenue growth and profit growth
  • 生态化赋能

    Ecosystem Empowerment

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

Cases - Unified Marketing Platform

统一营销平台

统一营销平台

Case - O2O Life Service Platform

金融服务

Case - Benefit Operation Platform

统一营销平台

Cases - Digital Operation Service

统一营销平台

Smart Retail Marketing

Provide end-to-end smart marketing solutions for retail banking business; assist banks in designing an integrated solution from retail transformation consulting to plan implementation; build a one-stop wealth management service platform and smart sales management system (Smart Banker APP) empowerment to increase retail AUM; Adopt digital marketing for precision customer acquisition, precision marketing, smart distribution of best sales strategies, and full-process marketing control; support banks to reach business targets for new customer acquisition and operation of existing business.

Product System

  • Retail transformation consulting

    1. Help banks in industry benchmarking and self-diagnosis through lightweight BHI banking health index products.
    2. Three steps of Diagnosis - Planning - Implementation help banks build a complete digital transformation system for retail banking and ensure the implementation of strategies.
  • WM Cloud Platform

    1. Connect diversified investment products and bank branches through one-stop WM service platform
    2. Build and improve product and service system to empower bank’s wealth management business
    3. Provide reliable wealth management system, platform and tool for wealth manager, wealth advisor, retail customers and heads in charge
  • Smart Banker

    1. Apply big data capabilities and digital tools to empower sales teams, innovate management model, and improve the sales management model of banks
    2. Build AI Banker that covers all retail business scenarios; improve the refined operation management competence of retail banking team
  • Smart Marketing Integration

    1. Precision customer acquisition + precision marketing
    2. Smart distribution of best sales strategies
    3. Full-process marketing control
    4. Effectively acquire new customers and conduct existing business

Product Strengths

  • Accumulation of Successful Experience

    1. PAB’s successful retail transformation model
    2. Accumulate rich digital transformation cases and experience in serving banking institutions
    3. Based on real banking application scenarios of30,000+bank employees
    4. Professional technology and implementation service team
  • Digital Empowerment

    1. AI business development tools + operation middle office
    2. Empower sales force and managers
    3. Whole-process and full-scenario support
    4. Fully realize the management standardization
  • Smart Marketing Allocation

    1. Smart rating based on multi-dimensional value calculation
    2. Matching of smart products and customers
    3. Smart and optimal allocation for channels; reach customers efficiently
  • Connected to Precision Channels

    1. Quick access to multi-channel traffic
    2. Smart and dynamic adjustment of channel allocation
    3. Fill in the gap of user profile; filter and select high quality customers
  • Precise Customer Segment Selection

    1. Use case model + tag models for precise screening of customer segments
    2. Multi-dimensional calculation of the value of marketing clues
    3. Smart generation of customized marketing wording
  • Access to Precision Channels

    1. Testing of embedded points in the whole marketing process; review marketing effect
    2. Digital sales management process; effective insights into business opportunities
    3. Regularly review marketing; optimal customer reach

Case - Retail Transformation Consulting

A Leading City Commercial Bank In The East

零售转型

We provided a strategic planning and consulting project for retail transformation for a leading city commercial bank in the East at the early stage of development. We formulated retail development strategies for the coming five years and cooperate through “consultation + technology” to support the transformation of retail business.

In the first year of after the 5-year strategic plan was launched, the retail revenue increased by 100+%, which built confidence of the bank in retail transformation.

Case - Smart Banker

A Listed Bank In The East

销售管理解决方案

OneConnect’s Smart Banker sales management system helped a listed bank in the East promote the digital upgrading of retail sales and management. Smart Banker covers 12 scenarios including target management, process management, team management, customer development and social network marketing and empowers 3,800 relationship managers across the bank to achieve all-around improvement of capability.

Smart Risk Control

Leveraging AI, big data, blockchain and other cutting-edge technologies, we provide risk control service before, during and after loans. We focus on quality credit scenarios to help banks build a complete whole-process business system; we provide banks with end-to-end smart risk management solutions, including digital risk control and digital credit, to improve retail LUM.

Product System

  • Scenario-Based Loan Solution

    1. Focus on multiple quality credit scenarios; assist banks in building a complete whole-process loan business system (houses as collateral/white-collar loan/ auto finance/tobacco loans)
    2. Design differentiated products based on local market characteristics
    3. Online and smart transformation of the whole business process
    4. Assist banks in building an online and offline professional team for customer acquisition through channels; greatly increase the capacity of independent customer acquisition.
  • Digital solutions to end-to-end risk management

    1. Based on many years of experience, we can support the multi-mode digital solutions to risk management, i.e. “platform+consultation+data+system”. The product application runs through the whole life cycle of retail credit. We can help financial institutions at different business stages to overcome challenges.
    2. E authentication platform: We can, by means of SaaS, provide financial institutions with legally, high-quality and professional risk management products through SaaS.
    3. OneConnect Smart Risk Management Platform: Featuring openness, ecological scenarios, single customers, digitalization, smart knowledge base, and middle office, the platform covers the whole process of lending with a set of systems that is equipped with multi-scenario products in the market.

Product Strengths

Multi-scenario risk management solutions, pre-loan coverage, on loan, whole-process post-loan risk control service, quick iterative go-live

  • Cutting-Edge Fintech

    1. Introduce big data, AI and other advanced technologies; cover knowledge map, data fusion and a dozens of cutting-edge technologies and algorithms
  • Introduce Financial-Level Security And Stability Services

    1. Serve over 3000 institutions in the industry; accumulate rich experience
    2. Over 1.5bn service times per year; first-class product quality and stability
  • Quick Launch For Multiple Scenarios

    1. “Multi-purpose” layout concept; one system for multiple credit scenarios
    2. Modular component middle office; highly decoupled and extensible
    3. Support Lego-style combination; provide diversified scenario templates
    4. One-click for deployment in multiple platforms; real-time launch; rapid iteration and optimization
  • Improve Whole-Process Business Efficiency

    1. Provide end-to-end service from consulting to implement integration, different from traditional consultation
    2. Digital risk control for the whole process; significantly reduce NPLs
    3. Smart operation refines management granule
    4. Significant improvement in approval efficiency and customer experience

Case - Scenario-Based Loan Solution - Auto Finance

A City Commercial Bank In Western China

车金融

Reduced drawdown time needed for a city commercial bank in Western China from 10 days previously to as soon as 2 hours; drawdown and car handover on the same day with the cooperation of channel merchants; the efficiency of relationship managers was 10 times higher; the number of orders increased from 1 to 10 orders/day; the overall NPL ratio of the project was controlled at within 0.3%.

Case - Scenario-Based Loan Solution
Loans With Houses As Collateral

A Rural Commercial Bank In Northeast China

  1. Diversified customer acquisition and system applicationprocess; monthly average drawdown: RMB 400mn
  2. Monthly average drawdown for customers through One-Connect: RMB100 mn
  3. Monthly average drawdown for proprietary customers of the bank increased from RMB50mn to RMB300mn
  4. Approval feedback in one day and drawdown within 3 days

A rural commercial bank in Northeast China. The houses as collateral business in retail finance department required digital transformation, which will digitalize business development and management within the bank. OneConnect took this as an opportunity to help banks build an online system for loans with house as collateral and achieve online application, automatic approval, automatic drawdown, online operations and other standard processes.

Case - Digital Credit Platform

A Rural Commercial Bank In Northeast China

销管营销工具

Helped a rural commercial bank in Northeast China realize digital transformation of business; drawdown turnaround time reduced from 10 - 15 days to as soon as 1 - 3 days; drawdown within 2 hours at the earliest; capacity per capita was five times higher; increased the size by over 40%; built the top brand of local online business, with over 40% of the market share

Case - Digital Risk Control

Joint-Stock Banks And Policy Banks

数字风控

Assisted banks in digital transformation of risk control; adopted consultation + implement integration model to build a monitoring and recognition early warning system for the whole credit process based on risk big data; reduced risk loss and save human cost; improved service level

A City Commercial Bank In Southwest China

车金融

Carried out internal diagnosis and assisted the bank in digitalization and risk control capabilities building; completed product design, connection with risk control and system building in 2 months; significantly increased loan size by RMB 400 mn; applicants reached 10,000+; the NPL rate is controlled within 1%

A Rural Commercial Bank In North China

数字风控

Under performance pressure, the bank was in urgent need of business transformation and increasing the proportion of its retail business. OneConnect carried out internal diagnosis; helps the bank focus on target customers by starting with white list customers. After the business matures, the business was expanded to across the whole country; the total drawdown reached RMB1.68 mn for over 50,000 customers, at a delinquency rate of 1.85% for the moment

Established full-round authentication product cooperation with a bank; adopted financial statistics modeling and big data machine learning to effectively improve online risk control capability; the delinquency rate decreased by 28%

Smart Retail Operation

Provide banks with comprehensive online services; carry out platform building, scenario building and operation and customer marketing activities to address difficulties in customer acquisition, customer activity and transactions; facilitate bank customer conversion and financial liquidity; help banks build a complete retail business ecosystem and improve retail customer operation.

Product System

  • Unified Marketing Platform

    1. Integrate marketing platform for scenarios; combine multiple marketing models; adopt user stratification and refined operation; realize precise customer reach; improve user stickiness of channels.
  • O2O Life Service Platform

    1. O2O life service platform takes life scenarios as the starting point and provide scenarios for banks to reach customers. While building online service capabilities, the platform also adopts the data tags generated by customers in the consumption scenarios and converts them into customer profiling, which expands scenarios and converts them into financial business.
  • Benefit Operation Platform

    1. Focus on the customer benefit marketing platform; expand marketing service capabilities through loyalty points and benefits; introduce quality merchants and third-party service platforms; provide bank users with diversified scenario services; ultimately realize convertible financial innovations.
  • Digital Operation Service

    1. Ecosystem empowers finance; build “finance + life services” ecosystem.
    2. Online operation covers C-end customers whole online life cycle, including customer reach, customer activity, tag accumulation and financial conversion.

Product Strengths

  • Cutting-Edge Fintech

    1. O2O service merchants with local characteristics
    2. Financial scenario extension
    3. High-frequency scenario extension
    4. Financial service conversion
  • Light-Weight Digitalization

    1. SaaS cloud platform
    2. Standard component
    3. Light-weight connection
    4. Connected to cloud benefits database
  • Multi-Scenario Operation

    1. Effective management: user, content, product data
    2. Enhance value: target user growth, revenue growth and profit growth
  • Ecosystem Empowerment

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

Cases - Unified Marketing Platform

A City Commercial Bank In East China

统一营销平台

Helped a city and commercial bank in East China carry out Red Envelope marketing campaign. The activity attracted over 50,000 with 1 million visits. The activity rate was 5 times higher than previous campaigns of the bank. After the launch of the campaign, the number of visitors exceeded 100k in 5 days and over RMB 600,000 in 21 days, which represented high activity rate for the bank.

A City Commercial Bank In Southwest China

统一营销平台

Planed several deposit and WM activities for a city commercial bank in Southwest China during the “Good Start” campaign; carried out batch marketing for white list customers at the same time; the bank achieved a daily average deposit growth of RMB 25mn during the campaign, up 30% from previous activities.

Case - O2O Life Service Platform

A City Commercial Firm In South China

金融服务

Customer Acquisition1.37 million registered users in three years, accounting for 27% of the local population; 300,000 users were converted to bank’s cardholders, with a conversion rate of 22.6%

Customer ActivityMAU of the APP reached 300,000; online trading volume on the platform reached RMB 2.7bn; new merchants reached 425,000; daily trading volume of aggregate payment reached RMB 5mn

Customer ConversionDeposit attracted to the platform reached RMB1.35bn in one year, accounting for 11.5% deposit for the whole year; facilitated RMB 320mn of WM product sales/saving

Case - Benefit Operation Platform

A City Commercial Bank In Western China

统一营销平台

Conducted online and offline integrated operations for the online Happy Mall of a city commercial bank in central China in 2019. In one year, new users of the Happy Mall reached one million; redemption MAU of the mall reached 400,000.

In 2020, the integrated equity platform made the average active time of bank’s aggregate payment customers three times higher; the MAU reached 1.48 million, up 360,000.

Cases - Digital Operation Service

A City Commercial Bank In Western China

统一营销平台

Helped a commercial bank in East China conduct integrated online and offline operations; designed exclusive products for different customer segments; used white lists to target customers with high net worth, high retention points, and quality elderly customers; helped the bank increase the total AUM and YoY growth; daily average AUM of a single outlet reached RMB3 million; explored 20+ private banking customers at the same time.

Helped an urban commercial bank in South China carry out WM and VIP customer operation. Differentiated VIP and mentioned customers by setting points for VIP customers. The zone adopted white list to filter customers. White list uses can enjoy product discounts and benefits in the VIP zone that are different from benefits in ordinary zone.

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