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Helping SME D Bank Digitalize its Banking Services

Small and Medium Enterprise Development Bank (SME D Bank) is one of Thailand’s six state-owned banks, with over THB 100 Billion (USD 3.3 Billion) in loans, 94 branches, 1500+ employees and 130+ IT staff. Its core activities consist of providing loans and other banking services to SMEs, which represent the main force of Thailand’s economy.

In line with “Thailand’s 4.0”, the 20-year National Strategic Plan initiated by the government, SME D Bank kicked off in 2016 the digitalization of its banking systems and operations with Huawei’s support. At that time, SME D Bank had 100,000 SMEs customers and aimed to increase this number to more than one million.


Deploying a Comprehensive Digital Platform within 18 Months

The project aimed to deploy the new digital core banking systems within a limited 18-month period, with the objective to increase significantly the number of the bank’s customers by 10-fold. The bank’s initial banking systems were based on Visual Basic (VB), with limited functions and capacities.

To reach this ambitious objective, it meant a complete overhaul of the bank’s core systems by developing a comprehensive digital strategy to enable and facilitate the forthcoming use of Big Data and Artificial Intelligence (AI).

Huawei’s strategic approach had to encompass all the bank’s activities, including:

  • Core banking systems: payments, transfers, settlements, accounting, …
  • Innovative services: consumer credits, e-commerce platform, direct sales, supermarket transactions, …
  • Peripheral services: credit, international settlements, intermediate services, …
  • Channel front-end systems: mobile banking, telephone banking, self-service terminal, …

  • Back-end analytics: risk management, rules compliance, supervision and reporting, …
  • Data recovery (DR), development and testing.   

Partnering with a Leading Software Provider and Installing Huawei FusionCloud Platform

To answer the needs of SME D Bank, Huawei proposed a two-fold solution:

  1. A strategic partnership with Sunline, a leading China-based banking software and financial IT service provider who has served over 400 customers worldwide. Sunline brought to the project its experience in terms of powerful innovation and flexible customization, while ensuring complete delivery and after-sales service capabilities.

    For SME D Bank, it developed comprehensive end-to-end digital core banking systems, including a complete platform for account service, customer information integration, loan processing, interbank transfers, real-time synchronization of transactions, pro-active marketing, product creation and other banking services

  2. Huawei FusionCloud Platform, enabling the system’s future evolution to use big data and AI. Easily adapted to MVP1 development and leading to faster TTM2, Huawei’s solution is based on four key elements:

  • Elastic Cloud Server (ECS) that provides scalable, on-demand computing resources for secure, flexible, and efficient application environments, ensuring reliable and uninterrupted services. ECS incorporates applications, operating system (OS), computing, storage and network resources into a template, allowing one-click deployment.
  • Bare Metal Server (BMS) provides dedicated Mission critical physical servers in single-tenant environments. This includes the OS, databases, applications and specifications of physical machines into an image, improving deployment efficiency, high computing performance, excellent scalability, high reliability and facilitating operations.
  • Cloud Server DR Service (CSDR) automates data recovery (DR) system deployment
  • OceanStor 18500F V5 high-end all-flash storage that offer a reliable and high-performance service platform with 7x24x365 availability.

Customer Benefits

  • The average time needed to issue a loan was shortened from 30 to 7 days maximum
  • High performance requirement was met by using high-performance bare metal servers and cloud resource pool to provide 3000 TPS single-core performance
  • New services could be rolled out quickly, thanks to Huawei’s standardized infrastructure service and fast provisioning

[1] MVP for “Minimum Viable Product” is a development technique in which a new product is developed with sufficient features to satisfy early adopters. The final set of features is designed and developed after considering feedback from the product's initial users.

[2] TTM for “Time to Market”, referring to the length of time it takes from product conception to finalization

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