The financial industry, as a core pillar of the national economy, is facing the opportunities and challenges brought by the wave of digitization. Tightened regulatory requirements, upgraded customer demand, and accelerated technological iteration are driving financial institutions to transform in the direction of greater security, efficiency and intelligence. Based on years of technology accumulation and industry practice, Tencent Cloud has launched an overall solution for the financial industry, with “security compliance as the foundation and technological innovation as the wings”, to help banks, securities, insurance, funds and other types of financial institutions to build digital core capabilities and realize business model innovation and sustainable development.
Program core positioning and values
Tencent Cloud Financial Solution takes “stable and reliable, secure and compliant, intelligent and efficient, open and interconnected” as its core, relying on cloud computing, big data, artificial intelligence, blockchain and other cutting-edge technologies to provide financial institutions with full-stack services from the underlying infrastructure to the upper layer of business applications. Through this program, financial institutions can realize:
- Compliance firstThe company meets domestic and international regulatory requirements such as Equalization 2.0, PCI DSS, and the CBI to ensure business compliance;
- Efficiency gains: Core system performance improvement 30%+, O&M cost reduction 40%+, unleash technical team productivity;
- Accelerating Innovation: Rapidly launching new services such as smart credit, digital wallet, AI investment advice, etc. to enhance customer experience;
- risk manageable: Build an all-link risk management system, increase fraud recognition rate by 60%+, and reduce business risks.
Core competencies and technical support
The core capabilities of Tencent Cloud's financial solutions are derived from four major technology bases, covering the full range of business scenarios for financial institutions:
1. Financial-grade security compliance system
- full-stack security: From the physical server room to the application layer, it builds “cloud - network - data - end” integrated security protection, including host security, network security, data security, application security and so on;
- Compliance qualification is completeIt has 100+ domestic and international security qualifications such as Equalization 2.0 Level 3, ISO 27001, PCI DSS, etc., and meets the regulatory requirements of banking, securities, insurance and other industries;
- Privacy Computing TechnologyThe first one is based on federated learning, secure multi-party computing and other technologies to realize cross-institutional data collaboration under the premise of data “availability and invisibility”, and to solve the problem of privacy protection in financial data sharing.
2. Highly available infrastructure
- Two locations, three centersIt supports multi-location and multi-availability deployment, with core system availability reaching 99.999%, meeting the requirements for financial-level disaster recovery;
- Elastic scalability: In the face of peak business periods (such as Double 11, fund subscription peak), minute-level resource expansion can be realized to ensure stable system operation;
- Hybrid Cloud DeploymentIt supports “Public Cloud + Private Cloud + Edge Cloud” hybrid architecture, which meets the needs of financial institutions for localized deployment of core business and expansion of innovative business in the cloud.
3. Intelligent business engines
- AI Enablement: Through computer vision, natural language processing, machine learning and other technologies, it realizes the landing of intelligent customer service, intelligent wind control, intelligent investment research and other scenes;
- big data analytics: Build a financial-grade data center, support PB-level data processing and real-time analysis, and provide data support for accurate marketing and risk decision-making;
- blockchain application: Based on Tencent Cloud Blockchain Service (TBaaS), it realizes trusted collaboration in supply chain finance, cross-border payment, digital bills and other scenarios, reducing trust costs.
4. Open ecological connectivity
- API Open Platform: Provide standardized interfaces to support rapid docking with third-party systems (e.g., government data, e-commerce platforms) to expand the boundaries of financial services;
- Industry Eco-CooperationThe company has been working with fintech service providers, consulting organizations and universities to build “technology + scenario” solutions to accelerate the digital transformation of financial institutions.
Recommended Products and Scenario Applications
Tencent Cloud provides the following core products and solutions for the core scenarios of the financial industry, covering the entire chain of “infrastructure - data capabilities - business applications”:
1. Financial grade infrastructure products
- Tencent Cloud Server (CVM)
Provides elastic computing services and supports high-performance instances based on ARM architecture to meet the high concurrency and low latency requirements of financial core systems (such as core accounting and trading systems). Supporting multi-availability deployment, combining with load balancing (CLB) to realize intelligent distribution of traffic and ensure business continuity.Learn more。 - Tencent Cloud Database (TDSQL)
Financial-grade distributed database, supporting strong consistency of transactions, hundreds of thousands of concurrencies per second, compatible with MySQL, PostgreSQL and other mainstream protocols, has landed in the core systems of many state-owned banks and joint-stock banks. It is equipped with automatic disaster recovery, data backup and restoration capabilities to meet the high reliability requirements of financial data.Learn more。 - Tencent Cloud Object Storage (COS)
Provide highly available and highly scalable mass data storage services, applicable to financial institutions' contract documents, transaction records, customer images and other unstructured data storage, supporting data encryption and life cycle management to meet compliance storage requirements.Learn more。 - Tencent Cloud Private Network (VPC)
Constructing an isolated network environment, supporting fine-grained access control, traffic mirroring and analysis, and combining cloud firewalls, VPN gateways and other products to protect the network security of financial institutions' internal systems interacting with the outside world.Learn more。
2. Security and compliance products
- Tencent Cloud Web Application Firewall (WAF)
Defend against SQL injection, XSS attacks and other Web security threats, protect financial institutions' official websites, mobile banking, trading platforms and other online channels, and support customized protection rules to meet the personalized security needs of the business.Learn more。 - Tencent Cloud Dayu Anti-DDoS Solution
Providing T-level DDoS protection, combined with AI intelligent scheduling algorithms, it accurately identifies and cleanses attack traffic to ensure the stable operation of the financial trading system under heavy traffic attacks, and meets the availability requirements of key scenarios such as securities trading and fund redemption.Learn more。 - Tencent Cloud Data Security Center (DSGC)
Realizing full life-cycle management of data, including data discovery, classification and grading, desensitization, auditing and other functions, helping financial institutions to meet the requirements of the Data Security Act, the Personal Information Protection Act and other regulations, and preventing the leakage of customer information.Learn more。 - Tencent Cloud Security Operation Center (SOC)
Integrating the full amount of security logs, identifying abnormal behaviors through AI analysis, generating security alerts and disposal recommendations, enhancing the efficiency of financial institutions“ security operations, and realizing ”early discovery of threats, early response and early disposal".Learn more。
3. Smart business products
- Tencent Cloud Intelligent Customer Service (CSC)
Based on natural language processing technology, it provides 7×24-hour intelligent Q&A service, supports multi-channel interaction of voice and text, and can deal with common problems such as account inquiries, business handling, complaints and suggestions, reduce the cost of manual customer service, and improve the response speed of customers.Learn more。 - Tencent Cloud Intelligent Risk Control Platform (T-Sec)
Integrate the customer's existing infrastructure, combined with Tencent's unique technical means, model modules and data analysis capabilities, to provide a multi-center modular upper-layer presentation, starting from the business scenario, management and governance of the entire risk lifecycle, in order to provide customers with the overall risk control management capabilities.Learn more。 - Tencent Cloud Blockchain Service (TBaaS)
Providing out-of-the-box blockchain infrastructure, supporting alliance chain and private chain deployment, it has been successfully applied in supply chain finance (to realize accounts receivable rights), cross-border payment (to shorten the settlement time), and digital RMB scenarios (to assist wallet development).Learn more。 - Tencent Cloud Real-Time Audio and Video (TRTC)
Supporting low-latency audio and video interactions, applicable to remote face-to-face interviews, video customer service, online investment advisors and other scenarios, providing financial-grade encrypted transmission, to protect the information security in the interaction process.Learn more。
4. Data and analytical products
- Tencent Cloud Data Warehouse (CDW)
A high-performance data warehouse based on MPP architecture, supporting petabyte-level data storage and second-level query, providing data computing power for financial institutions' report analysis, customer profiling, risk modeling and other scenarios.Learn more。 - Tencent Cloud Streaming Computing Oceanus
Real-time processing of financial transaction flow, log flow and other dynamic data, supporting millisecond response, can be used for real-time risk control, real-time account accounting and other scenarios, to enhance the timeliness of business decisions.Learn more。 - Tencent Cloud AI Lab Financial Industry Suite
Provide exclusive AI models for finance, including bill recognition (automatic identification of check and money order information), face recognition (remote account opening identity verification), sentiment analysis (customer complaint sentiment recognition), etc., to accelerate the landing of AI technology in financial scenes.Learn more。
Industry Segmentation Solutions
Tencent Cloud provides customized solutions for banking, securities, insurance, funds and other segments:
1. Banking solutions
- Core systems in the cloud: Supporting the cloud transformation of banks' core accounting system and credit system to enhance system elasticity and scalability;
- Digital banking: Build mobile banking and open banking platforms, and connect scene parties (e.g., e-commerce, travel) through APIs to realize “financial services everywhere”;
- Intelligent Risk Control System: Integrate the bank's internal data and external credit information to build a full-process credit risk control model and enhance the ability of inclusive financial services.
2. Solutions for the securities industry
- Low latency trading system: Based on high-performance computing and network optimization, it achieves microsecond transaction response to meet high-frequency trading needs;
- Intelligent Investment Platform: Combine client risk appetite with market data to provide personalized portfolio recommendations and lower service thresholds;
- Compliance Technology Applications: Realize automated management of transaction behavior monitoring, anti-money laundering screening, and information disclosure compliance to reduce compliance costs.
3. Insurance solutions
- Digital Claims: Accelerate the claims process and enhance the customer experience through AI image recognition (e.g., vehicle damage determination, medical bill recognition);
- Precision Marketing Platform: Realize accurate recommendation of insurance products based on customer profiles and reduce customer acquisition costs;
- Health Insurance Ecosystem Building: Docking data from medical institutions, providing health management services and expanding the boundaries of insurance services.
Success Stories
- A large state-owned bankThe company has adopted Tencent Cloud hybrid cloud architecture to realize the cloud transformation of the core system, increased system availability to 99.999%, reduced operation and maintenance costs by 40%, and launched intelligent customer service based on AI technology, which has increased the resolution rate of customer issues to 90%;
- A head securities firm: Relying on Tencent Cloud's low-latency trading solution, the response time of the trading system has been shortened to 50 microseconds, while the identification rate of fraudulent transactions has been increased by 65% through the intelligent wind control platform;
- A well-known insurance companyThe company has automated the claims process with the help of Tencent Cloud's AI and big data capabilities, shortening the claims processing time from 3 days to 4 hours and increasing customer satisfaction by 30%.
summarize
Driven by technological innovation and with security compliance as the bottom line, Tencent Cloud's financial industry solutions help financial institutions build “more stable, safer and smarter” digital capabilities through full-stack products and services. Whether it is core system upgrade, emerging business innovation, or risk compliance management, Tencent Cloud will collaborate deeply with financial institutions to jointly promote the high-quality development of the financial industry and provide users with better and more convenient financial services.
For more information, you can visitTencent Cloud Financial Solutions Official WebsiteGet customized solution consulting and technical support.
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