Digital Financial Services Solution
Redefining Retail Banking: From Insight to Foresight
Enterprise products, solutions & services
Redefining Retail Banking: From Insight to Foresight
Fast-Track Customer Acquisition and Revenue Growth
As non-traditional players — in particular Mobile Network Operators (MNOs) and Over The Top (OTT) companies drawn from retail and ecommerce — enter the Financial Services Industry (FSI), super-apps are becoming more commonplace. These new tools integrate a variety of life-style services with payment and financial transaction processing, packaged in a single mobile digital platform that delivers a seamless one-stop customer experience.
This, of course, represents a significant threat to the traditional banking industry, because mass retail, Micro-, Small- and Medium-sized Enterprises (MSMEs), and the growing youth segment increasingly want — indeed, expect — just such an End to End (E2E) mobile experience.
But there's still time to act. The most forward-thinking banks have already begun to innovate customer acquisition and business models. And Huawei's Digital Financial Services Solution is providing a platform, allied to an open ecosystem, to do precisely that.
Indeed, the cloud-based, pre-integrated Digital Financial Services Solution is now actively supporting banks as they bring successful digital financial services to market — fast.
Benefits
Reshape Financial Service Experience
Deploy CAPEX-lite Digital Accounts optimized for high-frequency, low-value transactions, delivering superior TCO and offloading transaction loads from legacy CBS systems.
Enable frictionless acquisition of untapped customer segments, including youth groups, MSMEs and unbanked populations.
Attract and engage customers via innovative marketing and agile iterative launches of new financial offerings.
Accelerate Financial Product Innovation
Cloud-Native Small-Amount High-Frequency Transaction Engine: Supports massive small-value cashless transactions, enables hourly accrual for millions of accounts, and powers 7×24 uninterrupted banking services.
Financial Product Marketplace: Enables fast product launch for channel cooperation, loan referral and co-lending to diversify financial services.
AI-Driven Credit Risk Governance: Optimizes lending decisions, strengthens full-cycle risk control and reduces NPL ratios.
Streamlined Ecosystem Integration
Build a high-engagement lifestyle super-app for consumers and merchants, interoperable with mobile banking to unlock cross-selling and up-selling potential.
Offer diversified tools including mini-programs, AppCube low-code platform, B2C real-time chat, official accounts and marketing templates to continuously lift user activity.
Key Technologies
One-Stop Payment Ecosystem Connection
Flexible Configuration and Openness
High Availability and Unlimited Capacity
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