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Overview

Sm@rtOneBank

The Sm@rtOneBank solution offers a comprehensive and advanced solution for banks or financial institutions, designed to help them maintain competitiveness in a rapidly changing market through four key capabilities. These capabilities—Service Interaction, Core Service, Business Innovation, and Technology System—collectively form a robust and flexible platform capable of addressing various challenges and needs in the banking industry.

Industry Pain Points

Banks, as the backbone of economic development, facilitate capital flows, serve the real economy, and drive overall economic growth by providing financial products and services. In recent years, with the slowdown in economic growth, a low interest rate environment has become the new normal. Additionally, under stringent regulatory requirements, banks face increased pressure for risk management and control. The banking sector urgently needs to seize the opportunity of digital transformation to enhance overall profitability and risk management capabilities, thereby promoting high-quality development.

Challenges

The challenge of personalized demands

To meet the diverse and personalized needs of customers, focusing on customers and integrating into their lives and production scenarios is essential for providing differentiated financial services and gaining long-term customer loyalty. This approach becomes a key focus of customer service in the banking industry.

The challenges of assets and operations

With the trend towards interest rate marketization, banks face further narrowing net interest margins, putting profitability under greater pressure. Simultaneously, operational costs continue to rise, making it crucial to leverage technology to enhance operational efficiency for high-quality development.

The challenge of cross-industry competition

Faced with cross-industry competition in areas such as financial disintermediation and internet finance, how can banks break away from traditional service models and identify new business growth points? Reshaping core competitive advantages to create a 'moat' is becoming increasingly urgent.

Product Description

Sm@rtOneBank banking solution, an integrated yet modular offering, addresses the core banking, general ledger, payment, trade finance, credit management, counter system, e-banking, mobile banking and ECIF requirements of universal, retail, corporate and digital banks worldwide. The solution uses micro-services and distributed technologies, combines the latest achievements of open banking and digital transformation in the financial industry, and is based on the advanced concepts and best practices of DCITS in international finance.

Out-of-the-box

An all-in-one solution, ready to deploy with rapid go-live, driving quick profits while minimizing system construction and operational costs.
Advanced architecture

Powered by DCITS’ ModelBank 5.0 architecture, it helps banks achieve customer-centric digital transformation, enabling innovative financial scenarios, customization, and fast product upgrades.
Excellent performance

Utilizing cutting-edge micro-services and distributed architecture, it supports cloud-native, flexible deployment, ensuring unlimited horizontal scalability and high performance.
Full-featured Integration

Comprehensive business functionality integrates lending, payments, general ledger, credit, and e-banking systems, offering end-to-end banking services.
Flexible options

With a flexible 1+N modular design, a unified technical foundation plus multiple business modules meet the diverse needs of banks.

Value

Unified Management and Increased Efficiency:

Unified customer management, account model, parameter platform, product management functions, interface and operation platform, etc. improve operation and management efficiency.
Rapid to Market:

The modular architecture, high degree of parameterization and a flexible product factory enable banks to bring products or services to market quickly.
Cost Savings:

A full-featured banking system significantly reduces initial investment and ongoing operational costs.
Enhanced Customer Experience:

The integrated system enables banks to provide a consistent and comprehensive customer experience, enhancing customer stickiness and loyalty.
Future-Proofing:

The system can adapt to future technological advancements and regulatory changes with open standards and a flexible architecture.

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