Financial Infrastructure for Modern Banking.
🤖 Multi-Agent AI 📊 Data Intelligence ☁️ Cloud-Native Core

Yusys empowers banks worldwide to modernize core financial infrastructure, accelerate AI-driven transformation, and operate with confidence at scale.

1000+
Financial institution clients
10+
Markets served
27yr
Domain expertise
Products — What We Build

The full-stack platform
for modern banking.

Eight enterprise-grade technology products covering every layer of banking — from the core ledger to corporate digital channels, AI-powered credit, and regulatory compliance.

🏦
Core Banking System

Distributed microservices core banking replacing legacy foreign systems. deploys in 6–12 months with 50–83% lower license costs.

MicroservicesCloud-NativeJava
Learn more →
🏢
Corporate Online Banking

Full-lifecycle digital channel for corporate clients — account management, cash, trade finance, cross-border, and open API connectivity. 17K to 120K+ customers in one deployment.

Corporate ChannelOpen APITreasury
Learn more →
💳
Consumer Credit Platform

Full lifecycle consumer lending — Buy Now Pay Later, cash loans, merchant loans, revolving credit. From application to NPL resolution, fully automated.

BNPLInstant Decisioning
Learn more →
📋
RegTech & Compliance Platform

AI-powered end-to-end regulatory reporting — from granular data to intelligent compliance. #1 market share in China for 6 consecutive years. One-Form Access, 50% faster development cycles.

Regulatory #1AI-PoweredOne-Form Access
Learn more →
🔍
AI Due Diligence Engine

Four intelligent agents (Extraction, Inspection, Analysis, Report) compress week-long loan reviews to 1 hour — dramatically faster reviews with ~95% accuracy.

Days → Hours80% Cost Cut
Learn more →
📊
Enterprise Data Intelligence

Unified financial data platform — from governed data foundation to intelligent applications. AI-Powered Query, precision marketing, real-time risk monitoring. Deployed in 6–8 months.

Data LakehouseAI Analytics
Learn more →
Platform Architecture

Built different.
Proven at scale.

Yusys Next-Gen Core is architected on distributed microservices — not a legacy monolith with a modern façade. cloud-native with full ownership of source code for true operational independence. 27 years of banking knowledge built in.

  • ✓
    Domain-Driven Design (DDD)
    Deposits, loans, payments, ledger as independent microservices — each deployable and scalable on its own.
  • ✓
    Event-Driven Architecture
    CQRS + Event Sourcing: full audit trail, temporal queries, and decoupled service communication at any scale.
  • ✓
    Zero-Downtime Migration
    Strangler Fig pattern enables incremental migration from any legacy core without business interruption.
  • ✓
    Multi-Cloud Ready
    Kubernetes-native. Deploy on any cloud or on-premise with full feature parity and consistent SLAs.
  • ✓
    Financial-Domain LLM
    Purpose-trained large language models for banking, integrated with RAG over private institutional data.
  • ✓
    Federated Learning
    Train better models across institutions without exposing raw data — privacy preserved, accuracy maximized.
  • ✓
    Explainable AI (XAI)
    Every AI decision ships with a human-readable rationale for regulators, underwriters, and customers.
  • ✓
    2,000+ Standard APIs
    Pre-built connectors for payments, KYC, insurance, securities, and third-party data providers.
  • ✓
    Developer Portal
    Self-service API marketplace, sandbox environment, and auto-generated SDK for any language.
  • ✓
    Global Payment Rails
    Certified integrations with SWIFT, CIPS, Alipay, WeChat Pay, Visa, and Mastercard.
  • ✓
    Zero-Trust Architecture
    Every request authenticated, every action authorized — regardless of network perimeter.
  • ✓
    State Cryptography (SM Series)
    Full SM2/SM3/SM4 suite for domestic compliance, alongside RSA and AES-256 for international markets.
  • ✓
    Multi-Certification
    MLPS Level 3, ISO 27001, SOC 2 Type II, PCI-DSS across all product lines. Annually audited.
Platform Stack
🎯
Business Layer
Products · Channels · Workflows
⇅
🌐
API Platform
Gateway · Connectors · Marketplace
⇅
🧠
Intelligence Layer
AI Decisioning · Risk · Analytics
⇅
⚙️
Core Infrastructure
Accounts · Payments · Ledger · Data
Technology

Enterprise-grade foundations

☁️
Cloud-Native Microservices
Distributed microservices architecture with PC server support — replacing IBM mainframes at 40%+ lower hardware cost.
🤖
Multi-Agent AI
Financial-domain LLMs, multi-agent collaboration (KYC, Product, Risk, Ecosystem agents), and federated learning.
☕
Java + Open Stack
Modern open-source technology stack. Enables rapid third-party integration and high IT compatibility — no proprietary lock-in.
🔐
Intelligent O&M
Self-controlled source code O&M platform. Fault identification drops from hours to 5–15 minutes with system self-healing.
🗃
Database-Agnostic
Flexible database selection — compatible with domestic and international databases, eliminating single-vendor lock-in.
📊
Data Lakehouse
Integrated data platform with real-time computing, data warehouse, and data labs powering 10+ intelligence scenarios.
⚡
CI/CD DevOps
End-to-end automated code delivery. Product iteration from 7–60 days down to 1–7 days for continuous delivery.
🌐
Multi-Tenancy & Global
Multi-tenancy and global multi-entity support enabling cross-regional and cross-border expansion with multi-language tools.
Case Studies

Proven outcomes.
Real institutions.

120K+ CORPORATE CLIENTS Corporate Online Banking · Hong Kong
MAJOR COMMERCIAL BANK · HONG KONG
Full-lifecycle corporate digital banking platform — 7× client growth, 6.7× transaction volume, 90%+ processing time reduction
7×
Client growth
6.7×
Daily txn volume
90%↓
Processing time
~50%↓
Staff workload
🏦
MAJOR JOINT-STOCK BANK · CORE BANKING
Cloud-native core migration — legacy replaced with microservices, zero downtime, up to 50% cost reduction vs. legacy licenses
50%↓
License costs
0min
Downtime
🪙
LEADING OFFSHORE BANK · CBDC
Digital Currency Project — seamlessly integrating traditional finance with the blockchain ecosystem
Live
CBDC case
Smart
Contracts
🧊
OVERSEAS DIGITAL BANK · BIG DATA
Big Data Platform (BDP) — went live on schedule and has been running stably since launch
On time
Delivery
Stable
Operations
Find your path

Built for your challenge.
Your institution. Your market.

Every Yusys engagement starts with your business challenge. Select the path that matches where your institution needs to go.

🏦
Business Challenge
Core System Modernization
Replace legacy IBM, Oracle, or TCS systems. 50–83% lower cost, 6–12 month deployment, zero business interruption.
Explore path
🏢
Business Challenge
Corporate Banking Transformation
Transform corporate channels with treasury, trade finance, and open API connectivity. 17K → 120K+ clients proven.
Explore path
📋
Business Challenge
Regulatory Compliance Automation
AI-powered reporting automation. #1 in China for 6 years. 70% less manual review, 50% shorter development cycles.
Explore path
🌏
Business Challenge
International Expansion
Multi-currency, multi-entity deployments in Southeast Asia and beyond. Local teams in HK, Macao, Singapore, Indonesia, Cambodia.
Explore path
🏦
Get Started

Ready to transform your
banking infrastructure?

Talk to a solutions architect. We'll map your current state, identify quick wins, and co-design a transformation roadmap at no cost.

⚡ Demo response within 2 business days
Home/Products/Core Banking System
CORE BANKING BUSINESS SYSTEM SOLUTION

Next-gen core banking
that replaces legacy systems

A cloud-native core banking platform designed to replace costly legacy foreign systems — deployed in 6–12 months with 50–83% lower license costs.

LICENSE COST SAVINGS
50–83%
IMPLEMENTATION CYCLE
6–12mo
Contents
Talk to an architect

Get a tailored technical assessment for your institution.

Overview

Yusys Next-Gen Core Business System is purpose-built for financial institutions seeking to replace closed, costly legacy foreign systems (IBM, Oracle Flexcube, TCS, SAP). Unlike monolithic cores with high coupling and poor scalability, the Yusys system is built on a distributed microservices architecture — enabling faster iteration, business continuity, and high availability.

Proven in large-scale, highly complex banking systems across China and deployed in Southeast Asia, the platform is validated through China's advanced banking digital transformation. Banks including major state-owned banks, joint-stock banks, rural credit cooperatives, and commercial banks have all made the switch.

50–83%
License fee savings
30–60%
O&M & TCO savings
6–12mo
Implementation cycle

Core Modules

🏦
Account Center
Unified account management supporting all account types across retail and corporate — flexible configuration and better customer experience.
🏷
Financial Product Factory
Parameterized product customization and iteration. Agile market response with lower innovation cost. Launch new products in days.
💰
Retail & Corporate CASA/TD
Full current account and time deposit support for both retail and corporate customers with flexible pricing engine.
📋
Loan Management
Retail, SME, and corporate loans with full lifecycle management and flexible, configurable fee and interest structures.
📊
Decoupled Business & Accounting
Business logic and accounting run independently — enabling faster product innovation without disrupting compliance or financial reporting.
🌐
Multi-Tenancy & Global
Multi-tenancy and global multi-entity support enabling cross-regional and cross-border expansion for international banks.

Migration Approach

Moving from a legacy core to a modern platform is the highest-risk programme a bank undertakes. Yusys has executed this transition across 1,000+ institutions — with a structured, phased methodology that keeps the bank running throughout, eliminates big-bang risk, and includes automated rollback at every stage.

Want to understand the migration process in detail?

Our team walks through the full methodology — timeline, risk management, data migration, and parallel running — in a dedicated technical session.

Integrations

The Yusys Core Banking System is designed as an open platform. A comprehensive library of pre-built connectors and a standards-based API layer enable rapid integration with the payment networks, regulatory systems, and third-party services banks depend on.

🔗
Payment Networks
Pre-built connectors to SWIFT, CIPS, UnionPay, PromptPay, FAST, and domestic real-time gross settlement systems across 10+ markets.
🏛
Regulatory Reporting
Direct integration with Chinese regulators (PBOC, CBIRC, SAFE) and equivalent regulators across Southeast Asian markets for automated submission.
🤖
AI & Data Platforms
Native integration with the Yusys Data Intelligence platform and Intelligent AI Super App — or third-party equivalents via REST API.
🌐
Open Banking APIs
Standards-based Open API layer supporting third-party fintech integrations, BaaS providers, and ecosystem partners.

Pricing

Yusys Core Banking is licensed on a perpetual or SaaS subscription basis, depending on deployment model. Pricing is structured by institution size and module scope — not per-user or per-transaction — giving banks cost predictability as they scale.

~3 yr
Typical break-even vs. legacy system
0%
Per-transaction or per-user fees
100%
Source code ownership — no vendor lock-in
💬
Custom Pricing on Request
Pricing is scoped based on asset size, module selection, deployment model (on-premise, private cloud, or SaaS), and implementation services. Contact us for a detailed proposal tailored to your institution.
Ready to replace your legacy core?

Schedule an architecture deep-dive with our team to see how Yusys Next-Gen Core fits your environment.

Home/Products/AI-Powered Mobile Banking Super App
AI-POWERED MOBILE BANKING SUPER APP · INTELLIGENT FINANCIAL ASSISTANT

AI-Powered Mobile Banking
Super App

From human-AI interaction to multi-agent collaboration — An AI-powered super app that acts as a personal financial assistant for every bank customer — proactive, hyper-personalised, and available 24/7.

🤝
Like a Friend

Provides mature feedback such as unlocking badges and achievements, supports emotional interactions including birthday greetings and life milestone care.

Emotional AIEngagement
🏠
Like a Housekeeper

Delivers proactive, one-to-one financial support. Understands user intent, anticipates needs, and offers guidance when needed — without being intrusive.

ProactiveIntent-Aware
🎩
Like a Concierge

A silent companion that automatically records user habits (data is secure), minimizes interruptions, and provides on-demand support when explicitly invoked.

Privacy-FirstOn-Demand
Multi-Agent Architecture

One Intelligent Agent.
100% Customer Coverage.

Six specialized agents collaborate to deliver hyper-personalized financial services through a unified app entry point — covering every customer, every interaction, 24/7.

💬
Interaction Agent
Emotional perception
🔍
KYC Agent
Intent recognition
🎁
Product Agent
Hyper-personalized
🛡
Risk Agent
Transparent early warning
🌐
Ecosystem Agent
Precise integration
📊
Operation Agent
Perception & feedback
Home/Products/Consumer Credit Platform
CONSUMER CREDIT SOLUTIONS

Full lifecycle digital
lending platform

End-to-end consumer credit management covering origination, underwriting, servicing, and collections — powered by AI risk decisioning and seamlessly integrated with core banking.

ASSET SCALE
RMB 170B+
RETAIL CUSTOMERS
80M+
Contents
Talk to a credit specialist

Get a tailored assessment for your lending portfolio.

Overview

Yusys Consumer Credit Platform delivers a unified digital lending platform for banks of all sizes — from large state-owned banks managing millions of retail borrowers to digital-native challenger banks building a lending business from scratch. The platform covers the complete credit lifecycle: origination and application processing, AI-powered underwriting, loan servicing, and automated collections.

Deeply integrated with the Yusys Core Banking System, the platform eliminates data silos and enables real-time credit decisions. It is also designed to connect to third-party core systems via standard APIs.

RMB 170B+
Asset scale
80M+
Retail customers
4B+
Disbursement transactions
RMB 10B+
Daily avg. bank deposits
ACQUISITION
Embedded & Frictionless

API-based lending embedded into partner ecosystems — e-commerce, payments, and digital channels. Fully digital, 24/7 access with no branch dependency.

DECISIONING
Instant & Intelligent

Data-driven decision engine with auto-screening and risk-based pricing. Real-time approval with precise risk segmentation — select products approve in under 15 minutes on average.

PRODUCT
Agile & No-Code

Cash loans and installments launched via parameter configuration, not coding. Reduce time-to-market from months to days — business teams control product launches independently.

LIFECYCLE
Active Risk Control

Automated post-loan monitoring and dynamic credit limits across revolving credit products. Maximize customer lifetime value while maintaining asset quality throughout the portfolio.

A configurable, multi-channel origination engine covering the full application lifecycle — from customer acquisition and eKYC through credit decisioning and disbursement. Supports mobile app, internet banking, branch, and API-based embedded origination in a unified workflow. Business teams configure approval rules and product parameters without code changes, reducing time-to-market from months to days.

AI Risk Decisioning

The credit risk engine combines traditional scorecards with machine learning models, enabling banks to make accurate lending decisions in seconds. The system provides explainable AI outputs that satisfy regulatory requirements for credit decision transparency.

🤖
Explainable AI for Regulatory Compliance
All credit decisions include a full reasoning trace — enabling banks to provide applicants with clear, compliant explanations, and giving regulators the audit trail they require.
  • Multi-dimensional customer profiling across financial behavior, transaction history, and alternative data
  • Real-time fraud detection using advanced behavioural and device signals
  • Model governance framework with ongoing performance monitoring, drift detection, and automated quality controls
  • Compliant with PBOC, MAS, OJK, and other regional regulatory requirements

Loan Servicing

Automated loan management across the full post-disbursement lifecycle — repayment scheduling, interest accrual, early repayment, restructuring, and customer self-service — reducing operational headcount while improving borrower experience.

📅
Repayment Management
Flexible repayment schedules with automated deduction, penalty calculation, and customer notification.
🔄
Loan Restructuring
Configurable restructuring workflows for hardship cases, regulatory programs, and portfolio management.
💬
Borrower Self-Service
Mobile-first self-service for balance inquiry, repayment history, early repayment simulation, and statement download.
📊
Portfolio Analytics
Real-time portfolio dashboards with vintage analysis, concentration reporting, and predictive delinquency indicators.

Collections

AI-driven collections management that prioritizes accounts, selects contact strategies, and automates routine recovery actions — allowing collections teams to focus on complex cases that require human judgment.

  • Predictive delinquency scoring to identify at-risk accounts before they miss a payment
  • Automated early intervention workflows: SMS, push notification, in-app nudges
  • Multi-channel outreach with intelligent timing and channel preference learning
  • Legal and write-off workflow integration with full audit trail

Integrations

The consumer credit platform connects to the data sources, payment networks, and third-party services that drive modern digital lending — with pre-built connectors for the most common integration points and an open API layer for custom connections.

📋
Credit Bureaus
Pre-built connectors to PBOC Credit Reference Center, CCRC, and major Southeast Asian bureau providers (CTOS, PEFINDO, CIC).
🏦
Core Banking
Native integration with Yusys Core Banking System, or connection to third-party cores via standard open APIs.
📱
Mobile & Digital Channels
SDK and API integration with mobile banking apps, internet banking portals, and third-party aggregator platforms.
🔍
Government & Alternative Data
Connections to tax authority data, social security records, e-commerce platforms, and telco data for alternative credit scoring.
Ready to modernize your lending operations?

Talk to a credit specialist about your portfolio size, product mix, and technology environment.

Home/Products/Enterprise Data Intelligence
ENTERPRISE DATA INTELLIGENCE

From data silos to
intelligence-driven decisions.

A complete financial data intelligence platform — unifying your data foundation, governing it to regulatory standard, and turning it into business decisions that drive revenue and manage risk.

200+
Financial institutions served
6–8 mo
Time to first results
80%+
Decision efficiency improvement
The Problem

Most banks are data-rich
but insight-poor.

Fragmented systems, inconsistent standards, and manual processes mean that only a fraction of your data is actually usable — and by the time it reaches decision-makers, it's already stale.

🗂
Fragmented Data Silos

Inconsistent standards across systems mean usable data often represents less than 30% of what is collected. AI initiatives stall before they start.

⏱
Decisions That Arrive Too Late

Management dashboards updated weekly at best. Risk signals surface after the fact. Business teams wait days for reports that should take minutes.

🛡
Compliance Without Traceability

Regulators demand full data lineage and localized storage. Patchwork tools make audits expensive and cross-border data flows a compliance liability.

Our Approach

One platform. Two layers.
Foundation to application.

We address the full data value chain — first building the unified, governed data foundation your bank needs, then deploying the intelligent applications that convert that foundation into measurable business outcomes.

LAYER 01 · FOUNDATION
Data Foundation

A bank-grade unified data infrastructure — consolidating all data sources, governing quality and compliance, and making your data AI-ready. Built on 20+ years of financial domain expertise, with pre-built models covering 10+ core banking areas out of the box.

Financial-grade Data Lakehouse
Unified structured and unstructured data with batch and real-time processing. Pre-built domain models for customers, risk, credit, and operations.
DataGPS — Data Governance
Full-chain lineage, quality monitoring, and compliance controls built for local regulatory requirements including MAS, OJK, and PBOC.
DataOPS — Engineering Platform
A full-cycle platform from requirements to operations — with built-in financial standards and AI-assisted low-code development.
LAYER 02 · APPLICATIONS
Intelligent Applications

Ready-to-deploy applications that turn your data foundation into business actions — from executive dashboards to AI-powered query, precision marketing to risk monitoring. Each module is independently deployable and configurable to your bank's needs.

AI-Powered Query
Natural language queries across all banking data. Any business user gets answers in minutes — no SQL, no IT team required. Multi-round dialogue with automated visual report generation.
Business Intelligence & Dashboards
Real-time operational dashboards with anomaly alerts, multi-dimensional drill-down, and self-configuration for management teams.
Marketing, Risk & Customer Intelligence
Customer segmentation and precision marketing. Real-time NPL monitoring and early warning. Self-service data access without technical skills.
What Clients Achieve

Measurable outcomes,
not just infrastructure.

90%+
Data accuracy improvement

Breaking silos raises usable data from under 30% to over 90% accuracy across the institution.

T+7→T+1
Dashboard refresh cycle

Decision efficiency improved by 80%+. Core metrics shift from weekly batch to near-real-time.

80%
Self-service data access

80% of data requests completed via self-service. IT team workload reduced by 70%.

50%
Faster development cycles

Pre-built financial models and templates cut data development time in half versus building from scratch.

15%↓
NPL reduction (benchmark)

Proactive risk monitoring and AI-powered early warning. Relationship managers act before defaults materialise.

20%+
Revenue growth (marketing)

Precision customer segmentation and ready-to-execute marketing campaigns drive measurable AUM and revenue uplift.

Client Success

Digital bank live in Singapore — data platform deployed in 6 months.

Green Link Digital Bank (GLDB), one of Singapore's newly licensed digital banks, needed a full data infrastructure — data collection, lakehouse, governance, and MAS regulatory reporting — ready for launch from day one.

Yusys delivered the complete data platform in under six months, natively compliant with MAS 610 and built on public cloud, integrating 6 core banking systems with 5,680 batch jobs running in under 30 minutes.

6 mo
Full platform live
80%↓
Compliance labour cost
50%↑
Development efficiency
MAS
Fully compliant
🏦
Green Link Digital Bank
Singapore · Digital Bank · MAS Licensed

"The Yusys team has been very responsive and accommodating, and this has greatly eased the issues and workload of the Data Management team."

Head of Data Management, Green Link Digital Bank
PLATFORM SCOPE
Data Lakehouse DataGPS Governance MAS 610 Reporting Risk Control Digital Banking
Why Yusys

Built for emerging markets.
Not retrofitted for them.

Western data platforms were designed for mature markets with deep IT talent pools, large budgets, and established legacy systems. We were built for the transformation stage — faster, lower-barrier, and locally compliant from day one.

🏆
Market Leadership in China

Ranked #1 in banking IT solutions market share. 90%+ of China's state-owned and joint-stock banks rely on Yusys data products. 26 years of financial data domain expertise.

⚡
Faster Time to Value

Core modules deliver results in 6–8 months. Pre-built financial models covering 10+ banking domains cut development time by up to 50% versus building from scratch.

🛡
Native Compliance Architecture

Centralized architecture natively supports 100% local data storage. Built-in compliance for MAS, OJK, and other regional regulators — not an afterthought requiring additional configuration.

🌐
Low-Barrier, Full-Cycle Delivery

Low-code tools and AI-assisted development significantly reduce talent dependency. We stay with you from strategic planning through go-live and long-term operations — not just product delivery.

Ready to build your data foundation?

Talk to a data architect about your institution's current data maturity, regulatory requirements, and transformation roadmap. We'll propose a phased implementation plan matched to your size and priorities.

Home/Products/Corporate Online Banking
CORPORATE BANKING · DIGITAL CHANNELS · TREASURY

The digital gateway for
every corporate client.

Yusys Corporate Online Banking is a full-lifecycle digital platform serving corporate clients across every stage of their banking relationship — from onboarding to daily treasury, trade finance, and strategic financial management.

120K+
Corporate Clients (HK deployment)
>80%
Processing Time Reduction
50–70%
Per-Transaction Cost Reduction
The Problem

Why traditional corporate banking
is no longer enough

⏱
Manual, Slow Processes

Offline manual review taking 1–3 days per transaction. Paper-heavy workflows, branch dependency, and high operational cost burden both banks and their corporate clients.

🔒
Weak Risk Control

Laggy, post-event checks fail to catch fraud in real time. Legacy platforms lack pre-alert risk engines — resulting in fraud losses that erode margins and client trust.

📉
Shallow Service Depth

Single-function transaction tools fail to serve modern corporate finance needs. Banks remain a transaction "tool" rather than a strategic financial partner for their enterprise clients.

Core Capabilities

Five pillars of corporate digital banking

🏦
Comprehensive Banking Services

Smooth mobile, web, and branch experience integrating secure banking services with role-based access and multi-level approval workflows.

🤝
Mature Self-Service Capabilities

Clients operate independently — data insights, CRM, and sales management without bank staff intervention. Reduces workload for relationship managers by up to 50%.

⚡
Seamless Digital Onboarding

Fully digitalized onboarding integrating relationship management workflows. Eliminates paper, reduces time-to-active from days to hours.

🚀
Agile Business Growth

Digitalized journeys supporting AI-driven risk assessment for rapid credit approval. New products and features launched in days, not months.

🧠
AI-Powered Tailored Insights

AI-driven analytics build personalized product and service offerings — enhancing client interaction, sales performance, and cross-sell opportunities.

🌐
Open API Connectivity

Strong Open API capabilities enable seamless connection with banks' internal systems and third-party platforms including ERP, supply chain finance, and payments networks.

Product Coverage

Full suite of corporate banking functions

Account Management
Cash Management
Fund Transfer & Remittance
Bill Business
Salary Disbursement
International Business
Credit Financing
Investment & Wealth Management
Time Deposit
Featured Services
Group Services
Corporate Mobile Banking
Case Study

Major commercial bank in Hong Kong — HKD 530B institution, 30+ branches

Faced with competitive disadvantage, channel imbalance, and customer churn risk, the bank decided to rebuild its next-generation corporate e-banking platform from scratch — focused on function enhancement, experience upgrade, and security reinforcement.

Five key modules delivered:
  • ✓ Group Services
  • ✓ Import & Export Services
  • ✓ Open API Bank–Enterprise Connectivity
  • ✓ Corporate Mobile Banking
  • ✓ Dynamic Token & Multi-factor Authentication
17K → 120K+
Corporate customer growth after go-live
30K → 200K+
Daily transactions (processing time: days → 30 min)
>90%
Time cost reduction for corporate clients
up to 50%
Decrease in OBD staff workload after go-live
Product Advantages

Built for enterprise-grade banking

🔗
Open and Easily Integrated

Strong Open API capabilities enable seamless connection with banks' internal systems and third-party platforms such as ERP, supply chain finance platforms, and payment networks.

☁️
Modern, Scalable Architecture

Cloud-native and microservice design ensures high scalability, high availability, and easy maintenance. Designed to grow with your client base without infrastructure bottlenecks.

🎯
Designed for Corporate Finance Users

User-centric design with optimized workflows, multi-level authorization, and flexible process customization strengthens internal risk control and improves user experience.

Ready to transform your corporate banking channel?

Talk to a solutions architect for a demo and deployment roadmap.

Home/Products/RegTech & Compliance Platform
REGULATORY COMPLIANCE · REGTECH · AI-POWERED REPORTING

Regulatory reporting,
fully automated.

Yusys RegTech is China's #1 regulatory compliance solution — an AI-powered, end-to-end platform covering the full regulatory reporting lifecycle from granular data collection to intelligent submission, with 50% shorter development cycles and 70% less manual review.

6×
Consecutive years IDC #1 market share
12/20
Systemically Important Banks served
100+
Commercial & Rural Commercial Banks
The Regulatory Challenge

Why regulatory compliance demands
a new approach

🌊
Rapidly Evolving Rules

Regulatory frameworks can't keep pace with DeFi, e-payments, and cross-border digital finance. Banks face mounting compliance costs as rules multiply across jurisdictions.

📦
Fragmented Reporting

Multiple overlapping reports, inconsistent data standards, duplicate submissions, and reporting delays create operational inefficiency and regulatory transparency gaps.

🛠
Outdated Regulatory Tools

Traditional regulatory methods are mostly ex-post, manual, and based on structured data. They lack the detection and analysis tools needed for modern digital banking architectures.

Platform Overview

Three generations of regulatory intelligence

TIER 01
Unified Regulatory Platform

End-to-end intelligent reporting system integrating both indicator-based and granular data reporting. Full lifecycle coverage with three core workbenches: management, reporting, and query.

  • ✓Full-process approval and submission control
  • ✓Verification engine and AI assistant functions
  • ✓Full-data retrieval and flexible query capabilities
FLAGSHIP
TIER 02
One-Form Access

China's unified regulatory reporting framework — standardizes data definitions and integrates multiple reports into a single consistent data view. One-time submission, multi-regulator reuse.

  • ✓#1 market share in banking segment
  • ✓2 out of 3 Financial Regulatory Administrations
  • ✓Huawei full-stack compatibility certified
TIER 03
AI-Powered One-Stop Platform

Next-generation platform powered by large language models. Four AI capabilities: reporting assistance, automatic data lineage, intelligent Q&A on regulatory standards, and self-service data analysis.

  • ✓50% shorter reporting development cycles
  • ✓70% reduction in manual review volume
  • ✓Second-level response for standards queries
AI Capabilities

Four AI features that transform regulatory compliance

⚙️
AI-Powered ETL

Automated data extraction, transformation, and loading — dramatically reducing development effort and cutting reporting build cycles by 50%.

🔍
Multiple Verification Layers

Automated multi-layer verification reduces manual review volume by 70% — flagging anomalies before submission rather than after regulatory challenge.

🗺️
Automatic Data Lineage

Auto-generated data lineage maps improve data credibility, satisfy audit requirements, and make it easy to trace any figure back to its source system.

🔄
Flexible Regulatory Adaptation

Configurable rule engine adapts to regulatory changes without costly redevelopment. Annual maintenance costs reduced by 50%, product upgrade costs by 40%.

Market Leadership

Yusys — the leader in China's regulatory tech field

Trusted by the institutions that matter most in China's financial system

6×
IDC Banking Regulatory Compliance market share #1 — six consecutive years
2/3
Financial Regulatory Administration authorities use Yusys RegTech
12/20
Systemically Important Banks (G-SIBs and D-SIBs) served
100+
Commercial banks and rural commercial banks deployed

Ready to modernize regulatory compliance?

Speak with a RegTech specialist for a platform walkthrough and ROI assessment.

Home/Products/AI Due Diligence
AI DUE DILIGENCE · LOAN REVIEW AUTOMATION

Days-to-hours loan review.
1 week → 1 hour.

Four intelligent agents automate the complete loan due diligence pipeline — from document ingestion to audit-ready report — compressing a week-long manual process into under one hour with ≈95% accuracy.

EFFICIENCY GAIN
Days → Hours
COST REDUCTION
80%↓
Contents
See it on your documents

We'll run a live pilot on your loan files. No integration required to start.

Overview

Loan due diligence is one of banking's most labor-intensive workflows. A single corporate loan review requires specialists to manually extract data from dozens of documents, cross-check against regulatory requirements, calculate financial ratios, and compile a structured report — a process that typically takes 5–7 business days and depends heavily on senior analyst expertise.

Yusys AI Due Diligence replaces this manual pipeline with four intelligent agents that work in parallel, handling the complete file-to-report workflow. First deployed at Minsheng Bank and proven in production, the system achieves Days-to-hours turnaround, 80% cost reduction, and ≈95% accuracy — without sacrificing the audit trail regulators require.

Days → Hours
Faster turnaround
80%↓
Operational cost
≈95%
Accuracy rate

The Four Agents

The system is built on four specialized agents that orchestrate the end-to-end workflow. Each agent is purpose-built for its task and hands off to the next with full context — enabling parallel processing and batch caching that drive the Days → Hours speedup.

📄
AGENT 01
Information Extraction Agent

High-precision data extraction via universal document parsing — fully compatible across financial statements, contracts, certificates, and all common file formats. Outputs structured data ready for downstream processing.

↓
✅
AGENT 02
Inspection Agent

Cross-dimensional regulatory rules validation with built-in multi-layer checking — automatically flags discrepancies between submitted documents and regulatory requirements, and suggests corrective actions.

↓
📊
AGENT 03
Analysis & Calculation Agent

Iterative metric calculations and benchmarking using built-in financial logic — computing debt ratios, coverage ratios, profitability metrics, and industry comparisons. Decouples analytical quality from individual analyst seniority.

↓
📋
AGENT 04
Report Generation Agent

Template-driven auto-filling with multi-format output (Word, PDF, XML). Full data traceability linking every figure in the report back to the source document — providing the audit trail required for regulatory compliance.

Outcomes

Deployed in production and validated in a POC at a major bank serving 4,000–5,000 account managers handling high-volume micro-enterprise clients. A cross-functional task force (3 Finance Experts + 2 AI Consultants) conducted deep-dive interviews within 2 weeks, then built and validated AI models on 500 historical reports and 300 recovery cases.

75%
Single-case processing time reduction (2 days → 4 hours)
97%
Document classification accuracy (30+ doc types)
95.6%
Data extraction accuracy rate
  • Processing speed: Single-case due diligence reduced from 2 business days to 4 hours — a 75% gain enabling same-day credit decisions on micro-enterprise applications.
  • Report drafting: Report writing time cut from 1 full business day to 30 minutes — freeing account managers for high-value relationship work.
  • The 80/20 rule: AI automates 80% of standardized processing and drafting; humans focus on the 20% involving complex judgment and client engagement.
  • Capacity unlocked: AI-assisted 30% productivity boost enables account managers to handle significantly more clients without additional headcount.
  • Onboarding acceleration: Intelligent mentorship system projected to reduce new hire training cycles by 50%, cutting both labor and opportunity costs.

Knowledge Platform

Beyond individual task automation, the AI Due Diligence system includes a Knowledge Platform that converts tacit expert knowledge into institutional digital assets — solving the critical problem of expertise that walks out the door when senior analysts leave.

🧠
From Individual Expertise to Institutional Capital
Most banks face three interlocking knowledge problems: expertise siloed in senior individuals, non-standardized extraction that's labor-intensive and error-prone, and data models that aren't designed for AI agents. The Knowledge Platform addresses all three — converting heuristics, interview scripts, and verification logic into digitized, reusable models that any account manager can access.
🤖
AI-Assisted Extraction

Intelligent interview scripting and conversational knowledge mapping — captures expert judgment on-the-fly rather than through tedious manual documentation sessions.

📚
RAG Knowledge Base

Automated document parsing, knowledge node structuring, and RAG-enhanced knowledge base construction — turning SOPs, regulatory documents, and operation manuals into AI-ready assets.

🔄
Knowledge Flywheel

The Knowledge–Application–Feedback–Learning cycle continuously refines the platform — every agent interaction improves the underlying knowledge base, creating compounding institutional intelligence.

Compliance & Audit

Every output produced by the system includes a complete provenance chain — every figure, every finding, and every flag can be traced back to the exact source document and page. This isn't optional: it's built into the Report Generation Agent's output schema.

🛡
Audit-Ready by Design
The system is designed to satisfy both internal audit requirements and regulatory examination. Banks can demonstrate exactly how each credit decision was supported, which data was used, and which checks were performed — without relying on analyst memory or manual documentation.

Deployment

  • On-premise, private cloud, or hybrid deployment — no data leaves the bank's perimeter
  • Hardware-agnostic: compatible with domestic GPU infrastructure (Huawei Ascend, Cambricon) and international GPU providers
  • Native multi-language support for cross-border deployment (Chinese, English, Bahasa Indonesia, and others)
  • Integration via standard REST API — connects to existing loan origination and document management systems
  • Typical go-live: 8–12 weeks from contract to production
See it run on your loan documents

We'll run a live pilot on a sample of your actual loan files — no integration required to get started.

Home/Products/IT Infrastructure & Migration
IT INFRASTRUCTURE · MIGRATION · CLOUD

The infrastructure layer
banks can own and control

PaaS, IaaS, and migration services purpose-built for banking — enabling institutions to move off legacy infrastructure, achieve technology independence, and build a resilient, regulator-compliant IT foundation.

HARDWARE COST REDUCTION
40%↓
DEPLOYMENT DOWNTIME
0min
Contents
Infrastructure assessment

Get a free assessment of your current infrastructure and a migration risk analysis.

Overview

Legacy banking IT infrastructure — IBM mainframes, proprietary storage, high-cost foreign hardware — creates three compounding problems: spiraling maintenance costs, vendor lock-in that limits agility, and growing regulatory pressure in markets requiring technology independence and data localization.

Yusys IT Infrastructure and Migration Services help banks systematically replace this legacy layer with a modern, open, and bank-controlled technology foundation. The offering spans PaaS application management, IaaS infrastructure, hardware rationalization, application migration, data center migration, and ongoing intelligent operations — with a track record of zero-downtime migrations for production banking systems.

40%↓
Hardware TCO
0min
Deployment downtime
5–15min
Fault identification

PaaS Platform

A banking-grade Platform-as-a-Service layer that provides the runtime, middleware, DevOps toolchain, and management capabilities banks need to operate modern distributed applications — without building and maintaining these capabilities in-house.

⚙️
Container Orchestration
Kubernetes-based container platform with banking-grade security policies, resource isolation, and multi-tenant support.
🔄
CI/CD Pipeline
Automated build, test, and deployment pipelines enabling zero-downtime releases and rapid iteration cycles.
📦
Middleware Services
Distributed messaging, service mesh, API gateway, and caching services purpose-configured for banking workloads.
🛡
Security & Compliance Layer
Built-in encryption at rest and in transit, certificate management, vulnerability scanning, and compliance policy enforcement.

IaaS & Hardware

Migration from expensive foreign mainframes and proprietary storage to cost-efficient, bank-controlled PC server infrastructure — validated to meet the performance and reliability requirements of production banking workloads. Supports domestic Chinese hardware (Huawei, Inspur, Lenovo) and international infrastructure providers.

💡
Technology Independence
For banks operating in markets with technology localization requirements, or institutions seeking to reduce exposure to geopolitical supply chain risk, Yusys provides a validated migration path to domestic infrastructure without compromising performance.

Migration Services

A structured, risk-managed approach to migrating production banking applications and data centers — built around simulation testing, parallel running, and phased cutover to ensure zero-downtime transitions for business-critical systems.

  • Application migration: assessment, refactoring, containerization, and production cutover
  • Data center migration: full-site relocation with dual-active architecture during transition
  • Database migration: Oracle, IBM Db2, and SQL Server to domestic or open-source alternatives
  • Simulation testing: production-load simulation before cutover to validate performance and stability
  • Rollback planning: every migration phase includes a tested rollback procedure

Intelligent O&M

An AI-powered operations management platform that monitors the full infrastructure stack — from hardware and network to application performance and business KPIs — enabling banks to detect, diagnose, and resolve issues in minutes rather than hours.

📡
Full-Stack Monitoring
Unified observability across infrastructure, middleware, application, and business layers with real-time dashboards.
🤖
AI Fault Detection
Machine learning models identify anomalies and predict failures before they impact service — 5–15 min fault identification time.
🔧
Automated Remediation
Pre-defined runbooks and automated remediation for common failure patterns, reducing manual intervention.
📊
Capacity Planning
Usage forecasting and capacity recommendation engine to right-size infrastructure ahead of demand spikes.

Disaster Recovery

Banking-grade disaster recovery architecture with RPO and RTO targets designed to meet regulatory requirements — including dual-active data center configurations, cross-region replication, and automated failover with regular DR drill support.

  • Dual-active (active-active) architecture for tier-1 banking applications: RPO = 0, RTO < 30 seconds
  • Geographic separation compliant with PBOC and CBIRC two-site three-center requirements
  • Automated failover testing and scheduled DR drills with detailed reporting
  • Business continuity planning support including runbook development and tabletop exercises
Start with a free infrastructure assessment

We'll evaluate your current infrastructure, identify migration risks, and provide a realistic roadmap — at no cost.

Home/Solutions/Core System Modernization
CORE BANKING · LEGACY REPLACEMENT · MIGRATION

Replace your legacy core.
Without the risk.

Yusys has replaced IBM, Oracle Flexcube, and TCS BaNCS systems in over 100 banks — with a proven methodology that keeps the lights on through migration. Cloud-native and deployed in 6–12 months.

Why Now

The cost of staying on legacy is rising

IBM, Oracle Flexcube, and TCS BaNCS license costs have accelerated sharply. Maintenance eats 70–80% of IT budgets with no new capability added. Meanwhile, cloud-native competitors move faster at a fraction of the cost.

Yusys reduces total cost of ownership by 50–83% and typically breaks even within 3 years — while simultaneously enabling new digital capabilities that generate revenue.

💰
50–83% Lower License Costs

Replace expensive foreign system licenses with a competitively priced, fully owned platform.

⚡
6–12 Month Deployment

Proven implementation methodology compresses timelines vs. traditional multi-year programmes.

🔒
Zero Business Interruption

Proven parallel-run migration methodology keeps all banking operations running through the switch.

Ready to assess your modernization path?

We'll map your current state, model the business case, and design a migration roadmap — at no cost.

Home/Solutions/Corporate Banking Transformation
CORPORATE BANKING · TREASURY · TRADE FINANCE

From transaction tool
to strategic partner.

Corporate clients demand digital channels that match the sophistication of their treasury and finance operations. Yusys transforms corporate banking from a transactional channel into a strategic financial platform — integrating cash management, trade finance, cross-border services, and open API connectivity.

🏢
Enterprise Treasury Management

Unified cash pooling, liquidity management, and real-time visibility across subsidiaries and geographies. Replaces manual treasury workflows with automated, data-driven operations.

🌍
Cross-Border & Trade Finance

Integrated international settlement, trade finance, and foreign exchange in a scenario-based unified portal — turning complex cross-border processes into simple, transparent workflows.

🔗
ERP & Ecosystem Integration

Open API Bank–Enterprise Connectivity lets corporate clients connect their ERP, supply chain, and payment platforms directly — eliminating manual reconciliation and data entry.

PROVEN OUTCOME

A major commercial bank in Hong Kong: 17K → 120K+ corporate clients in one deployment

Processing time reduced from 1–3 days to 30 minutes. Daily transactions grew from 30K to 200K+. OBD staff workload fell by ~50%.

Ready to build your corporate banking platform?

Our corporate banking specialists will show you how to grow from thousands to hundreds of thousands of digital corporate clients.

Home/Solutions/Regulatory Compliance
REGULATORY COMPLIANCE · REGTECH · REPORTING AUTOMATION

Regulatory compliance
at the speed of AI.

Automate the full regulatory reporting lifecycle — from data collection and verification to intelligent submission and audit trail. Yusys is #1 in China's banking regulatory compliance market for six consecutive years.

📊
Automated Regulatory Reporting

Replace manual, error-prone reporting with an automated pipeline covering data collection, transformation, multi-layer verification, and direct regulatory submission.

🤖
AI-Powered Compliance Intelligence

Large language model capabilities deliver automatic data lineage, intelligent regulatory Q&A, and self-service analytics — reducing compliance team workload by 70%.

🔄
Adaptive Rule Engine

Configurable architecture adapts to regulatory changes without custom redevelopment — reducing annual maintenance costs by 50% and upgrade costs by 40%.

Ready to automate regulatory compliance?

Our RegTech specialists will walk you through the platform and show you the compliance cost savings.

Home/Solutions/Joint Operation Services
JOINT OPERATIONS · DIGITAL BANKING · CONSUMER FINANCE · EMBEDDED FINANCE

We don't just build the platform.
We run it with you.

Yusys Joint Operation Services embeds financial expertise into every layer of your business — from customer acquisition and product design to risk management, marketing, and full lifecycle operations. Over RMB 2 trillion in cumulative operating assets across multiple engagements.

The Joint Operation Model

Beyond technology — a comprehensive
operating partnership.

Most fintech vendors sell software and leave. Yusys Joint Operation Services goes further — combining Technology + Business + Marketing into a single integrated capability that runs alongside your team, helping you acquire customers, manage risk, and grow revenue.

The model is built on Yusys's Digital Financial Services Platform, which embeds financial services into key scenario nodes across industrial chains — delivering holistic financial empowerment for all ecosystem participants.

COOPERATION MODELS
ACustomer Acquisition & Traffic Generation
BTechnology Operations
CBusiness Operations
DJoint Operation (Full Partnership)
EButler Service (Embedded Expertise)
4B+
Disbursement transactions
80M+
Loan customers
RMB 2T+
Cumulative operating assets
RMB 10B+
Daily avg. bank deposits
52M+
E-commerce platform users
12M+
New users (one marketplace)
Three Joint Operation Cases

Proven across Southeast Asia and beyond.

CASE 01 · DIGITAL BANKING
Helping banks in developing markets achieve digital transformation.
Yusys Joint Operation Services empowers small and medium-sized banks in developing countries to build and operate full-scale digital banking capabilities — enabling them to compete with larger institutions while serving their local communities more effectively.
1M+
Total bank users
CHALLENGE
  • •Limited resources and legacy technology infrastructure
  • •Lack of digital customer acquisition capabilities
  • •Siloed customer data across channels and products
  • •Regulatory complexity in evolving markets
YUSYS APPROACH
  • ✓Built integrated industrial ecosystem resources
  • ✓Connected e-commerce platforms and lifestyle services
  • ✓Full lifecycle customer management with continuous operation support
  • ✓End-to-end digital banking platform from core systems to customer-facing apps
OUTCOMES
Ecosystem Synergy
Cross-scenario customer flow integration
Operational Efficiency
Digital processes reduce cost and improve service
Regulatory Compliance
Meets local regulatory requirements
Enhanced Agility
Rapid response to market changes
Global Scalability
Architecture supports international expansion
Resilience & Reliability
High-availability architecture ensures continuity
CASE 02 · INCLUSIVE FINANCE
Inclusive Finance for Underserved Populations
Comprehensive financial service offering for SMEs, individual business owners, and retail consumers — extending financial inclusion at scale through integrated ecosystem partnerships.
Tens of Billions
in Assets (USD)
INTEGRATED CAPABILITY OUTPUT: TECHNOLOGY + BUSINESS + MARKETING
User Profile Analysis
Financial Product Profiling
User Matching Model
Product Conversion Model
OUTCOMES
Financial Inclusion
Covering SMEs, individual business owners, and retail consumers
Ecosystem Integration
Connected across diverse consumption scenarios
Tens of Billions in Assets
Retail asset scale at tens of billions USD
Full Lifecycle Management
End-to-end customer lifecycle operations
CASE 03 · CONSUMER FINANCE OPERATIONS
Full-Spectrum Consumer Finance Operations
Comprehensive lifecycle operations for consumer finance companies — from product design and customer acquisition to risk management, marketing, and full lifecycle customer engagement.
End-to-End
Lifecycle operations
Full-Chain
Risk & marketing
PRODUCTS OPERATED
  • Small Cash Loans
  • Large Cash Loans
OPERATIONAL SERVICES DELIVERED
  • ✓Customer service & data analytics
  • ✓Marketing strategy & team building
  • ✓Product design & credit assessment
  • ✓Full lifecycle customer management
OUTCOMES
Market Penetration
Expanded market share and user coverage
Operational Excellence
Full-chain operations improve efficiency
Customer Lifetime Value
Deep operations enhance CLV
Risk-Adjusted Returns
Risk controls protect asset quality

Ready to explore a joint operation partnership?

Yusys's joint operation team will map your current business model and identify the specific cooperation model that fits your institution's goals and market context.

Home/Solutions/Major Commercial Banks
STATE-OWNED · JOINT-STOCK · CITY COMMERCIAL

Core transformation for
China's largest banks

Yusys powers the digital transformation of major commercial banks — replacing legacy IBM, Oracle Flexcube, TCS, and SAP systems with a modern distributed core that banks own and control.

CLIENTS IN THIS SEGMENT
500+
LICENSE COST SAVINGS
50–83%
Contents
Talk to a solutions architect

Get a tailored transformation roadmap for your institution.

Overview

Major commercial banks — including state-owned giants, joint-stock banks, and city commercial banks — operate some of the most complex technology environments in the world. Legacy cores built on IBM mainframes, Oracle Flexcube, TCS BaNCS, or SAP were architected for a different era: high licensing costs, proprietary hardware dependencies, slow product iteration, and limited scalability under modern digital loads.

Yusys has spent 27 years building expertise specifically for this segment — and has successfully completed core replacements for institutions ranging from large state-owned banks to regional city commercial banks. The proven track record means lower implementation risk for the next institution to make the move.

500+
Commercial bank clients
50–83%
License cost savings
6–12mo
Typical implementation

The Challenge

Commercial banks running legacy foreign core systems face compounding pressures that are difficult to resolve without fundamental infrastructure change:

  • Annual license fees of $10M–$50M+ for IBM, Oracle, and TCS systems — with costs that increase as transaction volumes grow
  • Product iteration cycles of 7 days to 2 months per change — preventing competitive response to digital-native challengers
  • Hardware dependencies on IBM mainframes (RS/6000, AS/400) — proprietary, expensive, and increasingly difficult to support
  • Vendor lock-in: source code is not owned by the bank, creating perpetual dependency and negotiating weakness
  • Regulatory pressure in China and other markets for technology self-reliance and domestic infrastructure

Our Approach

Yusys applies a phased, low-risk migration methodology that has been refined across hundreds of commercial bank implementations. The approach prioritizes business continuity above all — no migration proceeds to the next phase until the current phase is fully stable.

📋
Assessment First
4–8 week deep-dive into existing data models, business rules, integration map, and regulatory requirements before any code is written.
🔄
Parallel Running
Legacy and new systems run simultaneously with real-time data sync — providing a safety net through the entire cutover period.
📦
Module-by-Module
Migration sequenced by module (e.g. retail loans first, then CASA, then corporate) — limiting blast radius and keeping daily operations unaffected.
🔑
Source Code Ownership
Upon completion, the bank owns the source code — eliminating vendor dependency and enabling in-house customization and maintenance.

Relevant Products

  • Core Banking System → Next-gen distributed core replacing legacy foreign systems
  • Enterprise Data Intelligence → Unified data platform for reporting, risk, and analytics
  • AI-Powered Mobile Banking Super App → Multi-agent AI financial assistant to modernize customer-facing channels
  • IT Infrastructure & Migration → Hardware rationalization and intelligent O&M

Client Examples

Yusys has delivered core banking transformation for institutions across every tier of China's commercial banking system — from the largest state-owned banks to regional city commercial banks. Specific client names are available under NDA; representative examples include:

  • Multiple Big-4 state-owned banks: core banking modules, data platforms, and AI super app deployments
  • Leading joint-stock banks including China Merchants Bank, CITIC Bank, and Minsheng Bank
  • Dozens of city commercial banks completing full legacy core replacement on 6–12 month timelines
Ready to start your transformation?

Talk to a solutions architect for a tailored roadmap and cost-benefit analysis.

Home/Solutions/Rural Credit Cooperatives
RURAL BANKS · CREDIT COOPERATIVES · VILLAGE BANKS

Digital transformation for
rural & community finance

From provincial rural credit cooperatives to village banks, Yusys delivers full-stack digital banking solutions designed for institutions serving agricultural communities and rural economies.

RURAL BANK CLIENTS
300+
PROVINCES COVERED
20+
Contents
Talk to a solutions architect

Get a tailored digital banking roadmap for your cooperative.

Overview

China's rural credit cooperatives and rural commercial banks serve hundreds of millions of customers across agricultural provinces — yet many still operate on aging IBM or Oracle core systems that were never designed for mobile-first, data-driven banking. Yusys has become the leading technology partner for rural financial institution reform, supporting system modernization across more than 20 provinces.

300+
Rural bank clients
20+
Provinces covered
27yr
Sector experience

The Challenge

Rural financial institutions face a distinct set of challenges compared to large commercial banks:

  • High cost burden: legacy foreign core licensing fees consume a disproportionate share of IT budgets for smaller institutions
  • Agricultural lending complexity: crop cycles, weather risk, and collateral structures require specialized credit product configurations
  • Geographic reach: serving customers across vast rural areas demands robust mobile and agent banking capabilities
  • Regulatory reform: provincial rural credit cooperative reform programs require simultaneous system consolidation across many entities
  • Limited in-house IT: smaller institutions need a vendor that can provide managed services alongside software

Our Approach

🌾
Agricultural Lending Modules
Pre-built credit product templates for seasonal agricultural loans, livestock financing, rural SME lending, and government subsidy disbursement.
📱
Mobile-First Channels
Lightweight mobile banking apps optimized for low-bandwidth rural connectivity, with offline capability for village banking agents.
🏗
Province-Wide Consolidation
Multi-tenant architecture enabling a province's rural credit cooperatives to share infrastructure while maintaining separate operations and data.
🛠
Managed Services Option
Full managed service delivery model for institutions without in-house IT capacity — Yusys operates the platform, the bank focuses on banking.

Relevant Products

  • Core Banking System → Distributed core replacing IBM/Oracle/TCS, with agricultural lending modules
  • Consumer Credit Platform → Digital lending for rural retail and SME customers
  • IT Infrastructure & Migration → Hardware rationalization and managed operations

Client Examples

  • Multiple provincial rural credit cooperative unions: full core system replacement and provincial platform consolidation
  • Rural commercial banks across Shandong, Henan, Sichuan, and other major agricultural provinces
  • Village banks: lightweight digital banking deployments with mobile-first customer channels
Serving rural communities with modern technology

Talk to a specialist about your provincial reform program or cooperative modernization project.

Home/Solutions/Digital Banks & FinTech
DIGITAL-NATIVE · CHALLENGER BANKS · GREENFIELD

Cloud-native core for
digital-first banks

Launch a fully-licensed digital bank from zero — or transform an existing institution into a digital-first operation. Proven with Allo Bank Indonesia: greenfield deployment, 0 to 1M+ customers in 18 months.

TIME TO 1M USERS
18mo
GREENFIELD DEPLOYMENTS
10+
Contents
Building a digital bank?

Talk to our digital banking team about your launch timeline and market.

Overview

Digital-native banks and FinTech challengers need a technology foundation that matches their ambitions: cloud-native, API-first, fast to deploy, and built to scale. Traditional core banking vendors — designed for large incumbents with 2-year implementation timelines — don't fit. Yusys delivers a modern banking platform that can power a greenfield digital bank from license application to live customers in under 12 months.

0→1M+
Allo Bank Indonesia
<12mo
Greenfield go-live
10+
Digital bank deployments

The Challenge

  • Speed: digital bank licenses have regulatory deadlines — technology must be live within months, not years
  • Cost: greenfield banks have limited capital; infrastructure costs must be lean from day one
  • Flexibility: product roadmaps evolve rapidly in the first 2 years — the core must support fast iteration
  • Compliance: new entrants face intensive regulatory scrutiny — the platform must be compliance-ready out of the box
  • Scale: customer acquisition can be viral — infrastructure must handle rapid, unpredictable growth

Our Approach

☁️
Cloud-Native from Day One
Kubernetes-native microservices deployed on Huawei Cloud, AWS, or local cloud providers. Elastic scaling handles viral growth without pre-provisioning.
🚀
Accelerated Launch Package
Pre-configured digital bank starter kit: KYC, current accounts, payments, consumer credit, and mobile app — ready to configure, not build from scratch.
🔗
Open API Ecosystem
API-first architecture enabling rapid integration with local payment rails, regulatory reporting, and third-party fintech partners in any market.
🌏
Multi-Market Ready
Multi-currency, multi-language, multi-regulatory environment support. Same platform, configured for Indonesia, Malaysia, Philippines, or any target market.

Relevant Products

  • Core Banking System → Cloud-native distributed core, deployable in under 12 months
  • AI-Powered Mobile Banking Super App → Intelligent multi-agent AI — the customer-facing layer for digital banks
  • Consumer Credit Platform → Digital lending with AI-powered instant approval
  • IT Infrastructure → Cloud PaaS for banks that don't want to manage their own infrastructure

Allo Bank Case

Allo Bank Indonesia is Yusys's flagship digital bank reference case. Starting from zero — no legacy systems, no existing customers — Yusys delivered a full-stack digital banking platform on Huawei Cloud, enabling Allo Bank to acquire over 1 million customers within 18 months of launch.

🏆
0 to 1M+ in 18 Months
Allo Bank Indonesia went from greenfield deployment to over 1 million customers in 18 months — powered entirely by the Yusys cloud-native core banking platform on Huawei Cloud. The platform handled rapid customer acquisition, regulatory compliance, and full product suite delivery without any emergency re-architecture.
Ready to launch your digital bank?

Talk to our digital banking specialists about your target market, license timeline, and product roadmap.

Home/Solutions/International Expansion
OVERSEAS BRANCHES · CROSS-BORDER · GLOBAL BANKING

Banking infrastructure
for global expansion

Multi-tenancy, multi-currency, and multi-regulatory architecture for banks expanding internationally — with on-the-ground presence in Hong Kong, Macao, Singapore, Indonesia, and beyond.

MARKETS SERVED
10+
OVERSEAS SUBSIDIARIES
5
Contents
Expanding internationally?

Talk to our international banking team about your target markets.

Overview

Chinese banks expanding overseas — opening branches in Singapore, Hong Kong, or Southeast Asia — and international banks entering new markets face a common technology challenge: their existing core systems weren't designed for multi-jurisdiction operation. Regulatory requirements, currency handling, language support, and local payment network integration all vary by market, and bolting these capabilities onto a legacy core is expensive and brittle.

Yusys provides a purpose-built international banking platform with multi-tenancy, multi-currency, and multi-regulatory architecture — backed by on-the-ground implementation teams in the markets that matter most.

10+
Markets served
5
Overseas subsidiaries
200+
Technology partners

The Challenge

  • Regulatory fragmentation: each market has its own banking license requirements, reporting formats, and AML/KYC rules
  • Multi-currency complexity: real-time FX, cross-currency settlement, and nostro/vostro account management across multiple currencies
  • Language and localization: customer interfaces, documents, and support must operate in local languages
  • Local payment rails: each market has distinct real-time payment infrastructure requiring specific integration
  • Data residency: some markets require all customer data to remain within national borders

Our Approach

🏗
Multi-Tenant Architecture
A single platform instance supports multiple branches or subsidiaries in different countries — each with their own regulatory configuration, currency setup, and user interface.
🌐
Multi-Language Support
Full localization for Chinese, English, Bahasa Indonesia, Thai, Vietnamese, and other Southeast Asian languages — both customer-facing and back-office.
💱
Multi-Currency Engine
Real-time FX rates, cross-currency product pricing, nostro/vostro management, and SWIFT/CIPS payment integration for cross-border flows.
📋
Local Regulatory Compliance
Pre-built compliance modules for OJK (Indonesia), MAS (Singapore), HKMA (Hong Kong), and other regulators — updated as regulations evolve.

CBDC & Cross-Border Payments

For banks engaged in cross-border business, Yusys's CBDC infrastructure provides a significant competitive advantage. As one of the few vendors in China with a verified live CBDC smart contract deployment, Yusys is positioned to support banks in mBridge-ready cross-border CBDC transactions — connecting China's e-CNY infrastructure with participating countries' central bank systems.

🪙
mBridge Ready
Yusys's CBDC platform is certified for mBridge — the multi-CBDC platform connecting the central banks of China, Hong Kong, UAE, Thailand, and Saudi Arabia. Banks using Yusys can participate in cross-border CBDC settlement without building the infrastructure from scratch.

Global Presence

  • Hong Kong: Yusys Hong Kong subsidiary — supporting Mainland banks' offshore operations and Hong Kong-licensed institutions
  • Singapore: Regional hub for Southeast Asia — serving clients in Singapore, Malaysia, and the broader ASEAN region
  • Indonesia: Local delivery team — supporting Allo Bank and other Indonesian banking clients
  • Cambodia & London: Additional international offices supporting specific client engagements
  • 34+ delivery centers globally, with local teams in each major market
Ready to expand your banking footprint?

Talk to our international team about your target markets and expansion timeline.

Home/Solutions/Consumer Lending & Credit
CONSUMER FINANCE · BNPL · DIGITAL LENDING

AI-powered lending for
the digital consumer

Full-lifecycle consumer credit solutions — from instant digital origination to AI risk decisioning, automated servicing, and intelligent collections — for banks building or scaling a consumer lending business.

DISBURSEMENT TRANSACTIONS
4B+
RETAIL CUSTOMERS
80M+
Contents
Building a lending business?

Talk to our consumer credit specialists about your portfolio and market.

Overview

Consumer lending has shifted from a branch-based, document-heavy process to a mobile-first, data-driven business — and banks that haven't modernized their lending technology are losing market share to digital-native consumer finance companies and super apps. Yusys's consumer finance solution gives banks the technology to compete: instant digital origination, AI-powered credit decisioning, and automated post-loan management across all consumer credit product types.

RMB 170B+
Asset scale
80M+
Retail customers
4B+
Disbursement transactions
RMB 10B+
Daily avg. bank deposits

Product Types Supported

💳
Credit Cards & Revolving Credit
Full credit card and revolving credit lifecycle — origination, limit management, billing, payments, and rewards program integration.
💵
Cash Loans & Personal Finance
Instant cash loans with mobile-first application flow, AI credit decisioning, and same-day disbursement.
🛍
BNPL & Merchant Lending
Buy Now Pay Later integration with merchant networks, embedded in e-commerce and retail payment flows.
🏠
Mortgage & Secured Lending
Home loan and secured lending origination with property valuation integration, document management, and regulatory compliance.

AI Risk Engine

The platform's credit risk engine combines traditional scorecard models with machine learning to produce accurate, explainable credit decisions — using behavioral data, transaction history, bureau data, and alternative data sources. Select products deliver approval decisions in under 15 minutes on average.

  • Multi-bureau integration: PBOC Credit Reference Center, CCRC, and regional bureau providers
  • Alternative data scoring: telco data, e-commerce behavior, social data where permitted
  • Explainable AI outputs: every decision includes a human-readable reason code for regulatory compliance
  • Model monitoring: continuous drift detection with automatic alerts when model performance degrades

Operations Platform

Beyond origination, the platform automates the full post-disbursement lifecycle — reducing the operational burden that grows as a lending portfolio scales.

  • Automated repayment processing with flexible schedule management and hardship restructuring
  • AI-driven collections: predictive delinquency scoring, intelligent contact strategy, multi-channel outreach
  • Customer self-service: mobile app for balance inquiry, repayment history, early settlement simulation
  • Portfolio analytics: real-time vintage analysis, concentration monitoring, and predictive risk dashboards
  • Consumer Credit Platform (Product) → Full technical specification and integration details
  • AI Due Diligence → For corporate and SME loan review automation
  • AI-Powered Mobile Banking Super App → The customer-facing channel for consumer lending products
Ready to modernize your consumer lending?

Talk to our consumer finance team about your portfolio, product mix, and technology environment.

Home/Solutions/Enterprise Data & Analytics
DATA GOVERNANCE · LAKEHOUSE · AI ANALYTICS

Turn banking data into
a strategic asset

A unified financial data platform — data governance, data lakehouse, and AI-powered intelligence services — enabling banks to make faster decisions, satisfy regulators, and build data-driven competitive advantage.

QUERY SPEEDUP
10×
REPORTING
T+0
Contents
Data maturity assessment

Get a free assessment of your current data infrastructure and a roadmap.

Overview

Most banks are sitting on a gold mine of customer and transaction data — but siloed systems, poor data quality, and inadequate infrastructure prevent them from using it. Risk models run on stale data. Regulatory reports take days to compile. Business intelligence is available only to data teams with SQL skills. Yusys's enterprise data solution changes this: a unified platform that makes banking data available, reliable, and actionable across the institution.

10×
Query performance
T+0
Real-time reporting
1,000+
Regulatory report templates

The Challenge

  • Data silos: customer data is split across core banking, CRM, lending, and channel systems with no unified view
  • Data quality: inconsistent definitions, duplicate records, and missing fields undermine model accuracy and audit readiness
  • Regulatory burden: manually compiling PBOC, CBIRC, and SAFE reports consumes hundreds of analyst hours per month
  • Speed: risk decisions and marketing campaigns depend on data that's 24–48 hours stale
  • AI readiness: ML teams can't build reliable models on data that isn't clean, labeled, and governed

Platform Capabilities

📚
Data Governance
Enterprise data catalog, lineage tracking, quality monitoring, and privacy controls — giving every data asset an owner, a definition, and a quality score.
🏗
Data Lakehouse
Unified structured and unstructured data storage with batch and real-time processing on one platform — no separate data warehouse and data lake.
📊
Regulatory Reporting
1,000+ pre-built report templates for PBOC, CBIRC, SAFE, and international regulators — automated from source to submission.
🤖
AI Services Layer
Pre-built ML models for credit scoring, customer 360°, marketing propensity, and risk early warning — deployed on your data, in your environment.

Intelligence Scenarios

  • Customer 360°: Real-time unified customer profile aggregating all product holdings, transactions, and channel interactions
  • Credit risk scoring: ML-based scoring for retail and SME lending using transaction behavioral data
  • Marketing intelligence: Next-best-action models for product cross-sell and upsell across digital channels
  • Risk early warning: Predictive signals for credit deterioration, liquidity risk, and operational incidents
  • Regulatory analytics: Capital adequacy, liquidity ratios, and stress testing calculations on live data
  • Enterprise Data Intelligence (Product) → Full technical specification
  • AI Due Diligence → Automated loan due diligence powered by the same AI infrastructure
  • AI Platform → Full AI strategy including the Intelligent Super App and Due Diligence agent platforms
Ready to unlock your data?

Get a free data maturity assessment and a roadmap tailored to your institution's regulatory and analytics priorities.

Home/Solutions/Securities & Asset Management
SECURITIES · ASSET MANAGEMENT · WEALTH

Capital markets technology
built for scale

End-to-end technology solutions for securities firms, fund managers, and wealth platforms — covering trading, risk management, regulatory compliance, and client servicing.

CAPITAL MARKETS CLIENTS
80+
YEARS IN SECTOR
20+
Contents
Talk to a specialist

Get a tailored technology roadmap for your capital markets business.

Overview

Securities firms, fund managers, and wealth platforms operate in one of the most data-intensive, regulation-heavy environments in financial services. Real-time risk monitoring, complex regulatory reporting, and the need to service increasingly sophisticated clients demand technology that is fast, reliable, and compliant by design. Yusys brings its 27-year banking technology track record to capital markets — combining deep regulatory expertise with modern cloud-native architecture.

80+
Capital markets clients
20+
Years in sector
Real-time
Risk & position monitoring

Trading & Execution

📈
Order Management System
Multi-asset OMS supporting equities, fixed income, funds, and derivatives — with real-time position tracking and pre-trade risk checks.
⚡
Low-Latency Execution
High-performance execution infrastructure optimized for A-share, Hong Kong, and overseas market connectivity with smart order routing.
🔄
Settlement & Clearing
Automated T+0/T+1 settlement processing with CSDC, HKSCC, and international CCP connectivity and exception management.
📋
Back-Office Operations
Full back-office workflow automation — confirmations, reconciliation, corporate actions, and accounting — reducing manual processing errors.

Risk & Compliance

Real-time risk monitoring and automated regulatory reporting for CSRC, PBOC, and international regulators — enabling compliance teams to focus on exceptions rather than data compilation.

  • Real-time market risk monitoring: VaR, stress testing, and concentration limits across all positions
  • Credit risk: counterparty exposure, collateral management, and margin call automation
  • Regulatory reporting: CSRC transaction reporting, PBOC bond market filings, and HKMA submissions
  • AML/KYC: automated transaction monitoring with configurable rule sets and case management workflow

Wealth Management

A digital wealth management platform enabling securities firms and banks to serve mass-affluent and high-net-worth clients with personalized, data-driven advice and service.

👤
Client 360°
Unified client profile aggregating investment holdings, risk profile, financial goals, and interaction history across all channels.
🤖
AI-Powered Advice
Portfolio analysis, rebalancing recommendations, and product suitability matching powered by ML models trained on client behavior data.
📱
Digital Client Portal
Mobile-first client portal with portfolio dashboard, trade execution, document signing, and advisor messaging in one interface.
📊
Performance Reporting
Automated portfolio performance reports, benchmark comparisons, and fee disclosures delivered on schedule or on demand.

Data & Analytics

Capital markets generate vast volumes of market, transaction, and client data. Yusys's data platform gives securities firms the infrastructure to store, govern, and extract value from this data — powering better investment decisions, more targeted client engagement, and faster regulatory response.

  • Market data management: consolidated feed handling, normalization, and historical data storage
  • Investment analytics: factor analysis, attribution reporting, and performance benchmarking
  • Client analytics: AUM concentration, product penetration, and churn prediction models
  • Regulatory analytics: capital adequacy calculations, liquidity coverage ratios, and stress scenario modeling
Ready to modernize your capital markets technology?

Talk to our capital markets specialists about your trading, risk, and wealth management priorities.

Home/Case Studies
Client Outcomes

Proven at scale.
Real institutions.

From next-generation core banking to digital currency and big data platforms — Yusys delivers measurable transformation across every tier of global banking.

120K+ CORPORATE CLIENTS Corporate Online Banking · HK
MAJOR COMMERCIAL BANK · HONG KONG
Next-Generation Corporate Online Banking Platform

Yusys rebuilt the corporate digital banking platform for a major commercial bank in Hong Kong — re-engineering every process, deploying mobile+biometric authentication, and delivering a distributed microservices architecture that scaled the bank's corporate client base from 17,000 to 120,000+.

7×
Client growth
6.7×
Daily txn volume
90%↓
Processing time
Explore
20+ YEARS MOBILE R&D Super App ARCHITECTURE Mobile Banking
OFFSHORE BANK · MOBILE PLATFORM
Mobile Banking Platform Project for an Offshore Bank

After over two decades of R&D, our mobile banking product has evolved into a comprehensive financial super app integrating personal finance, open ecosystem services, and precision customer operations.

20+
Years R&D
Super App
Architecture
Explore
Web Mobile Platform Multi-channel DIGITAL BANKING PLATFORM Corporate Online Banking
OFFSHORE BANK · CORPORATE ONLINE BANKING
Online Banking Project of an Offshore Bank

Yusys Corporate Online Banking serves as a full-lifecycle digital financial services platform connecting corporate clients across web and mobile channels via a microservices architecture.

Multi-channel
Integration
Microservices
Architecture
Explore
HUB Payment Infra RURAL CREDIT COOPERATIVE 110M+ daily txns Payment Infrastructure
RURAL CREDIT COOPERATIVE BANKS · NATIONAL CLEARING
National Payment Infrastructure for the Rural Credit Cooperative Banking System

Built the national-level payment clearing platform for China's rural credit cooperative banking system — scaling from 175,000 daily transactions at launch to over 110 million, connecting 36 member institutions.

110M+
Daily txns at peak
36
Member institutions
Explore
Business Layer Service Layer Data Layer Infrastructure Next-Gen Core CLOUD-NATIVE MICROSERVICES Zero downtime DEPLOYMENT ARCHITECTURE Core Banking
LEADING GLOBAL-WIDE BANK · CORE SYSTEM
Next-Generation Core Banking System for a Leading Global-wide Bank

Cloud-native distributed microservices core — built for flexibility, scalability, and full regulatory compliance across multiple jurisdictions.

50%↓
License costs
0min
Deployment downtime
Explore
Big Data LAKEHOUSE PLATFORM On-time · Stable PRODUCTION DELIVERY Big Data
OVERSEAS DIGITAL BANK · BIG DATA
Big Data Platform Project for an Overseas Digital Bank

End-to-end data lakehouse platform — delivered on schedule, running stably in production, supporting real-time analytics and data governance across the full banking stack.

On-time
Delivery
Stable
Since launch
Explore
Intelligence DATA GOVERNANCE PLATFORM Multi-branch · Global STATE-OWNED BANK OVERSEAS Data Intelligence
MAJOR STATE-OWNED BANK · OVERSEAS BRANCHES
Digital Intelligence Platform for the Overseas Branches of a Major State-owned Bank

Full-stack data governance — consulting, architecture, and implementation across multiple overseas branch locations of a major Chinese state-owned bank.

Multi-branch
Coverage
BCBS239
Compliant
Explore
BCBS239 GDPR Local Reg. AML / KYC RegTech REGULATORY REPORTING PLATFORM Regulatory
MAJOR STATE-OWNED BANK · OVERSEAS BRANCHES
Regulatory Reporting Platform for the Overseas Branches of a Major State-owned Bank

End-to-end "Consulting + Product + Implementation" — covering regulatory reporting, data governance, and system delivery across BCBS239, GDPR, AML/KYC, and local requirements.

4+
Frameworks covered
Compliant
Since go-live
Explore
Home/Payment Infrastructure & CBDC
CLEARING & SETTLEMENT · CBDC SMART CONTRACTS · CENTRAL BANK SYSTEMS · CROSS-BORDER

Payment Infrastructure
& CBDC

From national instant payment clearing systems for central banks, to China's first verified live CBDC smart contract banking application — Yusys brings proven payment infrastructure capability and programmable digital currency expertise to the global market.

Overview Central Bank Systems CBDC Smart Contracts Cross-Border
Capability Overview

Proven infrastructure. Programmable currency.

Yusys brings together two areas of deep, production-verified expertise: the clearing and settlement infrastructure that central banks depend on, and the CBDC smart contract layer that makes digital money programmable. Both are built on real deployments — not pilots or whitepapers.

For economies where improving payment efficiency is the clear immediate priority, we bring proven infrastructure. For institutions ready to explore digital currency, we bring a live smart contract blueprint.

🏛
CAPABILITY 01
Central Bank Payment Infrastructure

Design and build national-level instant payment clearing systems — the infrastructure central banks use to process interbank transfers, manage settlement, and serve the entire economy 24/7.

✓Real-time interbank clearing & settlement
✓Alias directory & e-wallet interoperability
✓KYC/AML & risk control embedded
✓Comparable to PIX, UPI, FedNow
🪙
CAPABILITY 02
CBDC & Programmable Money

One of the first fintech vendors in China with a verified live CBDC smart contract deployment — covering digital wallet lifecycle and programmable consumer scenarios built on central bank digital currency rails.

✓Live smart contract: Red Packet system
✓Full CBDC wallet lifecycle
✓CIPS & mBridge cross-border ready
✓BRICS-certified payment service provider
What makes Yusys different

Most vendors can describe payment architecture. Yusys has built it in production — operating national-level clearing infrastructure that processes hundreds of millions of daily transactions, and deploying live CBDC smart contracts inside a real central bank digital currency system.

110M+
Daily txns (clearing)
24/7
High-concurrency operations
1st
Live CBDC smart contract
Central Bank Systems

Designing the infrastructure
that powers a nation's payments.

Yusys has the architecture, methodology, and experience to design and deliver national-level instant payment systems — the kind that central banks use to modernize their country's payment infrastructure.

Our approach is modelled on proven global systems — Brazil's PIX, India's UPI, the U.S. FedNow — and draws on China's own systematic evolution from traditional banking systems to real-time payment networks and digital currency pilots.

Global Reference Systems
🇧🇷Brazil PIX
🇮🇳India UPI
🇺🇸U.S. FedNow
🇨🇷Costa Rica Sinpe Móvil
⚡
Real-Time Instant Payment Processing

24/7/365 platform processing interbank transfers and e-wallet transactions in real time — scalable from 20 to 200+ TPS as adoption grows. Supports both local currency and USD.

🌐
International Standards Compliance

Fully compliant with international messaging and communication standards — ensuring interoperability with global payment networks and readiness for cross-border expansion.

📋
Alias Directory & Wallet Interoperability

Centrally managed alias directory (phone number, email) links bank accounts and e-wallets across all participating institutions — enabling pay-by-alias without sharing sensitive account details.

🛡
KYC/AML & Multi-Layer Risk Control

Blacklist management, transaction blocking, and AML monitoring embedded at the architecture level. TLS 1.3 encryption, multi-factor authentication (biometric + certificate), and VPN isolation for all participants.

Proven Implementation Methodology
Phased rollout — from core platform to regional interconnection
PHASE 1 · YEAR 1–2
Core Platform & Institution Onboarding

Build the central payment platform and connect initial financial institutions. Enable interbank and e-wallet transfers. Complete testing with first-batch participants.

PHASE 2 · YEAR 2–3
Expanded Payment Functions

Add payment request processing, QR code payments, and bulk payments. Expand connected institution coverage and optimize system performance and user experience.

PHASE 3 · YEAR 3–4
Cross-Border Payment Integration

Integrate international payment channels. Enable cross-border transactions, dispute resolution, and settlement mechanisms aligned with regional standards.

PHASE 4 · YEAR 4+
Regional Interconnection & Modernization

Cross-country payment system interoperability. Support for advanced financial services innovation and preparation for next-generation infrastructure.

Delivery model: On-site + Remote · Development: Agile iterative · Standards: International · Enterprise-grade HA
🏆 China's First Verified Live CBDC Smart Contract Banking Application

The Red Packet Smart Contract.

At a time when most fintech vendors remained at whitepaper or pilot stage, Yusys designed, built, and deployed a live smart contract system inside a real central bank digital currency infrastructure — and it went into production.

What was built

Consumer Red Packet Smart Contract Subsystem

Deployed as a production subsystem within an overseas central bank digital currency project. Enables programmable, conditional disbursement of digital currency — where the money itself carries rules about how, when, and where it can be spent.

This is not a concept demonstration. This is a live system, running on real CBDC rails, serving real users.

🎯
DIRECTED SPENDING
Merchant & Category Restrictions

Digital currency locked to specific merchants or spending categories, valid only within defined time windows — programmatically eliminating subsidy fraud and cash-out risk at the protocol level.

📈
PROGRAMMATIC INCENTIVES
Tiered Cashback & Graduated Rewards

Smart contracts automatically trigger graduated cashback rewards as spend thresholds are crossed — zero manual reconciliation, zero leakage, zero human execution delay.

⏱
TIME-LIMITED VALIDITY
Expiry & Reclaim Logic

Unspent digital currency automatically reclaimed at expiry. No manual follow-up, no dormant float liability — the contract enforces every rule autonomously on-chain.

🏛
Central Bank Grade

Deployed inside a real central bank CBDC infrastructure — not a sandbox, not a prototype. The security, reliability, and compliance requirements are the highest possible.

🌍
International Context

Built for an overseas digital currency project — proving that Yusys's smart contract architecture works across regulatory jurisdictions, not just in China's domestic e-CNY ecosystem.

🔓
Blueprint for the Industry

This deployment establishes a proven design pattern for programmable CBDC consumer scenarios — a replicable blueprint for central banks and financial institutions exploring digital currency applications.

Cross-Border & Global Outlook

From domestic rails to
international corridors.

Yusys's payment infrastructure capability extends far beyond domestic China — connecting banks to international clearing networks, multi-CBDC bridges, and next-generation cross-border settlement corridors.

🌐
CIPS Cross-Border Access

Technical integration services for banks connecting to CIPS — China's cross-border RMB clearing and settlement infrastructure — including frontend access gateways and internal business logic modules.

✓ Successfully enabled CIPS access for multiple commercial and agricultural banks
🤝
mBridge & BRICS Payments

As the first officially certified BRICS cross-border payment system service provider, Yusys helps banks participate in multi-CBDC bridge (mBridge) corridors — enabling efficient, low-cost cross-border settlement bypassing traditional correspondent banking.

✓ First certified BRICS cross-border payment system service provider
🤝
Industry Standard Setting
Actively participating in digital currency and payment technical standards development — Yusys shapes the rules, not just follows them.
⛓
Supply Chain Finance
Smart contracts enabling multi-tier credit penetration through supply chains — giving SME suppliers faster, cheaper access to financing backed by core enterprise credit.
🔬
Stablecoin & Web3 Research
In partnership with the Macau Science and Technology Fund, researching next-generation Web3 retail payment systems and stablecoin-CBDC infrastructure for cross-border retail use cases.

Ready to build for the payment infrastructure era?

Whether you're a central bank designing a national instant payment system, or a bank preparing to explore CBDC smart contracts — Yusys brings proven architecture, methodology, and a live production track record to your project.

Home/AI Platform
AI FOR FINANCIAL INSTITUTIONS · MULTI-AGENT APPLICATIONS

AI built for financial institutions.
From strategy to production.

Yusys AI is not a single product — it's a full-stack capability layer spanning infrastructure, knowledge management, and four distinct application lines: retail banking, lending operations, data intelligence, and enterprise AI enablement. All built on a financial-grade LLM architecture supporting domestic and global models.

Four AI Application Lines

One platform. Four ways it works for banks.

Each application line is purpose-built for a distinct banking workflow — designed to be deployed independently or as an integrated AI strategy across the institution.

🤖
AI-Powered Mobile Banking Super App

Multi-agent retail banking assistant acting as Friend, Housekeeper, and Concierge — delivering hyper-personalized services to 100% of customers through a single mobile entry point. Powered by 6 specialized agents.

6 Agents Super App Retail Banking
→ Full product details
🔍
AI Due Diligence Engine

Four intelligent agents automate the complete loan due diligence pipeline — from document ingestion to audit-ready report. 2 business days → 4 hours. 97% classification accuracy. The 80/20 rule: AI handles 80% of standardized work, humans focus on judgment.

Days → Hours
faster turnaround
80%↓
cost reduction
→ Full product details
🏦
AI for Smart Lending Operations

End-to-end AI system covering the complete lending lifecycle — from origination to collections. Process orchestration, information acquisition, financial decision analytics, and automated report generation across due diligence, credit approval, loan monitoring, and write-off.

70% Productivity↑ 90%+ Quality 500%+ Productivity Gain
Full lending lifecycle: Origination → Servicing → Collection & Recovery
📊
ChatBI — Conversational Data Intelligence

Natural language interface to all banking data — business users query, analyze, and generate reports without SQL or data team dependency. Covers Growth Analysis, Risk Monitor, KPI Decomposition, Customer Analysis, Churn Alert, and Operational Efficiency scenarios.

Natural Language Query 7 Business Scenarios
→ Part of Enterprise Data Intelligence
Technical Foundation

Model-agnostic. Deployment-flexible. Compliance-first.

Yusys's AI infrastructure supports every major domestic Chinese and international large language model — giving banks the flexibility to choose models that meet their regulatory requirements, data residency rules, and performance needs. All AI workloads run on fully compliant, financial-grade infrastructure with complete data sovereignty.

Knowledge Platform

From individual expertise
to institutional capital.

Most banks face a critical knowledge problem: the expertise that drives decisions lives in senior people's heads — not in systems. When they leave, the knowledge leaves with them.

Yusys's Knowledge Platform converts tacit expert knowledge into institutional AI-ready digital assets — creating a self-reinforcing flywheel where every decision improves the system.

THE KNOWLEDGE FLYWHEEL
1
Knowledge extraction from experts
2
AI-ready knowledge base construction
3
Agent-driven decision application
4
Feedback loop refines the knowledge base
🎤
AI-Assisted Knowledge Extraction

Intelligent interview scripting and conversational mapping capture expert heuristics on-the-fly — far more efficient than documentation sessions, and captures the tacit knowledge traditional documentation misses.

📚
RAG-Enhanced Knowledge Base

Automated document parsing — SOPs, regulatory documents, operation manuals — structured into knowledge nodes and indexed for retrieval-augmented generation. Agents access institutional knowledge on demand.

🧠
Agent-Knowledge-Driven Decision Making

AI agents ground decisions in the institutional knowledge base — reducing model hallucination and increasing interpretability and traceability. Expert-level outputs, available to every account manager, not just the top performers.

🎓
Intelligent Mentorship for New Hires

End-to-end guidance framework (Outline → Navigation → Best Practices → Drafting → Evaluation) reduces new hire training cycles by 50% — compressing 6-month onboarding curves significantly.

Implementation Methodology

Yusys is a strategic AI partner,
not just a vendor.

Successful AI deployment requires an integrated understanding of business, product, engineering, algorithms, and data. Yusys provides end-to-end AI enablement services across the full value chain.

🗺️
AI Business Enablement Planning

Balancing cost, security, and sustainability — Yusys helps institutions identify the highest-value AI scenarios, design a phased adoption roadmap, and run scenario-based pilot programs before enterprise-wide rollout.

  • ✓AI scenario identification & prioritization
  • ✓Computing resource optimization
  • ✓Pilot program design & validation
⚙️
End-to-End AI Intelligent Services

Full-stack technical delivery — from infrastructure architecture and knowledge lifecycle planning to agent platform implementation and integration with existing banking systems.

  • ✓Open & scalable agent architecture
  • ✓Integration with existing core systems
  • ✓Knowledge lifecycle planning & management
🔄
Continuous Evolution

AI is never "done." Yusys provides ongoing technology foresight, monitoring of AI advancement, and real-time strategy pivots — moving institutions from fixed plans to agile, continuously evolving AI capabilities.

  • ✓Technology trend monitoring
  • ✓From fixed plans to agile evolution
  • ✓Cross-functional AI team building
THREE SCENARIO-SPECIFIC IMPLEMENTATION PATHS
Lightweight AI-for-Everyone

Foster AI culture across the organization through Agent Platform + broad adoption. Low barrier, high engagement, builds AI literacy bottom-up.

Knowledge Base Deployment

Knowledge Base product + content curation + scenario mapping. Converts institutional expertise into AI-ready assets that any agent can access.

Business-Critical Scenarios

Top-down strategic alignment first, then bottom-up innovation via pilots, followed by top-down resource allocation for enterprise-wide scale.

Ready to build your AI strategy?

Whether you're exploring AI for the first time or scaling a pilot to enterprise — Yusys provides the architecture, knowledge platform, and application expertise to go from strategy to production.

Home/About
About Yusys

27 years of
banking expertise.

From a software startup in Beijing in 1999 to a leading FinTech group listed on China's capital market (300674) — trusted by 1,000+ financial institutions across 10+ global markets.

Our Story

Technology that respects
the weight of money

Yusys Technologies was founded in Beijing in 1999 by engineers who believed banks deserved software built with the same rigor as the financial transactions it handles. We became one of IBM's top five service partners in China, and were recognized as one of the fastest-growing tech companies in the Asia-Pacific.

Listed on China's A-share market (Stock Code: 300674) in November 2018, we have been ranked the No. 1 IT solution provider in China's banking industry for 7 consecutive years by IDC — and No. 40 globally in IDC FinTech Rankings. With key partnerships with Huawei, Tencent, and Baidu, we drive an AI-enabled strategy across all banking solutions.

Yusys at a Glance
A-Share: 300674
1999
Founded
9,000+
Employees
34+
Delivery centers
RMB 3.62B
Revenue (2025)
HQ LOCATIONS
📍 Beijing, China
📍 Zhuhai, China
+ Hong Kong · Macao · Singapore · Indonesia · Cambodia · UK
Our Journey
1 / 23
Market Leadership

IDC-ranked. Industry-recognized.

40
Global Rank
IDC FinTech Rankings
Top 100 global FinTech companies worldwide
1
China Rank
Banking IT Solutions
No. 1 in China for multiple consecutive years
9 product segments ranked No. 1 in China:
Credit Operating System Channel Services Mobile Credit System Management & Regulatory Systems Internet Banking Remote Banking Regulatory Compliance Systems CRM BI
Key Partners

Strategic technology partnerships

Huawei

Participating in Huawei's Financial Partner Go Global Program (FPGGP). Deep integration into the Huawei Kunpeng Ecosystem for cloud infrastructure powering international expansion.

Tencent

Collaboration in Cloud Computing and Infrastructure, Artificial Intelligence and Big Data, Digital Twins and the Metaverse, and Industrial Finance and Supply Chain Finance.

Baidu

Partnership across Artificial Intelligence, Blockchain, and Cloud Computing and Information Technology Innovation — powering AI-enabled banking solutions.

Contact

Let's start a conversation

Whether you're evaluating vendors, exploring a solution, or ready to begin transformation — our team responds within 4 hours.

📧
Business Development
marketing@yusys.com.cn
📞
Client Hotline
+86 10-5913-7700
📍
Headquarters
Beijing & Zhuhai, China (Stock Code: 300674)
⚡ Response within 2 business days
Home/Newsroom
NEWSROOM

News & Resources

Press releases, white papers, and insights from Yusys Technologies.

Media & Analyst Inquiries

For press inquiries, interview requests, or analyst briefings — our team responds within one business day.

CONTACT US

Get in touch with Yusys

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