China’s financial industry has significantly improved its technological capabilities with rapid digital transformation and growing adoption of intelligent applications. The widespread use of mobile devices has broadened access to financial services and fuelled the growth of internet-based financial models. Against this backdrop, traditional centralised architecture such as mainframes and mid-range servers are increasingly unable to meet the growing demands of the financial sector. Chinese financial institutions (FIs) now require systems that offer high capacity, high concurrency, high availability and low latency. At the same time, intense competition drives the demand for customised business solutions. Recognising these trends, GienTech, a digitalisation strategies and software solutions provider, made a strategic shift in 2017 from providing information technology (IT) solutions to delivering comprehensive digital transformation solutions. Kuang Wenchuan, President of GienTech Research Institute said, “We capitalised on major shifts in technology architecture, including distributed computing, cloud-native frameworks and big data processing, to build a competitive advantage centred on technology platform modernisation.” Kuang Wenchuan, President of GienTech Research Institute As a key player in China’s fintech evolution, GienTech has actively contributed to the sector’s transition from IT-driven operations to intelligent solutions. It provides end-to-end digital transformation services across transactions, marketing, risk control and operations, along with large-scale industry-specific customisation. GienTech has held the top position in International Data Corporation (IDC) China’s banking IT solutions market share for seven consecutive years. It also ranks first in several subcategories, including data intelligence, customer relationship management, payments and clearing, risk management and remote banking. ORIGIEN powers the digital transformation of FIs worldwide Traditional financial architecture often struggles with performance bottlenecks and data consistency issues, particularly in large-scale concurrent transactions across multiple regions and data centres. Kuang explained, “GienTech addresses these challenges through distributed architecture compensation technology, ensuring high concurrency, high availability, and efficient synchronisation across multiple servers.” In line with efforts to integrate IT with financial services, GienTech launched in 2022 ORIGIEN, a next-generation digital infrastructure designed for financial institutions. With its fully integrated software-hardware design, ORIGIEN meets the security and performance requirements of these FIs as it provides customisable and flexible solutions for application development. It also supports the modernisation of financial IT architecture and enables seamless digital transformation. Since its launch, ORIGIEN has evolved through versions 2.0 and 3.0 and was deployed in over 300 system projects. The platform has transitioned from physical machine-based deployment to infrastructure-as-a-service (IaaS) cloud, virtualisation and container technologies. Initially adopted by smaller banks, ORIGIEN is now used by mid-to-large FIs and has expanded scope from core system applications to enterprise-wide use cases, including industry finance, mobile banking and back-office management. ORIGIEN, with over 20 financial technology modules, maintains transactional consistency across distributed servers and enables multi-site, active data centre deployment. This significantly boosts transaction performance and lowers operational costs for FIs. Additionally, cloud-native containerisation eliminates infrastructure inconsistencies, allowing financial firms to transition seamlessly from traditional architectures to cloud-native frameworks. Core banking system migrations are particularly complex, requiring FIs to maintain uninterrupted service, switch systems seamlessly and ensure accurate data migration—like changing a car’s wheels while in motion. GienTech tackles these challenges with chaos engineering, automated translation and code conversion assisted by artificial intelligence (AI) to ensure smooth migration and seamless customer experience. These capabilities enhance system performance while providing a flexible and efficient IT infrastructure. With the rapid growth of fintech, Chinese FIs systematically upgrade their digital infrastructure. ORIGIEN plays a key role in this by providing robust technological support that meets strict financial security and performance standards. Its distributed, cloud-native architecture and platform engineering capabilities allow financial firms to manage high-volume, complex operations as IT infrastructure costs are reduced. China’s financial ecosystem, known for its large scale, diverse scenarios and vast customer base, has built decades of expertise in digital-driven financial applications. This knowledge serves as a valuable reference for global FIs undergoing digital transformation. Financial institutions worldwide encounter increasingly complex business and technological challenges, particularly in areas such as cross-border settlements, multi-currency transactions, and multi-time zone operations, all of which require high technical precision. For example, a multinational bank that adopted ORIGIEN successfully leveraged its platform engineering tools and flexible architecture to enhance coordination across multiple data centres. As a result, the bank significantly improved its cross-border settlement efficiency and transaction processing capabilities. GienTech strengthens FIs’ competitiveness through AI-driven solutions Amid global digital transformation, GienTech also focuses on AI-driven infrastructure upgrades and deep integration of AI into financial applications. In 2024, the company launched ORIGIEN AI+initiative, an upgrade on ORIGIEN’s intelligent computing infrastructure, and a refinement of its AI-driven applications. The initiative helps financial institutions thrive in the era of large-scale AI model adoption by integrating AI models, intelligent platforms, services, and applications. Building on its presence in Hong Kong, Macau, Japan and Southeast Asia, GienTech brings China’s expertise in digital transformation to the global stage. The company is focused on infrastructure modernisation, toolchain innovation and digital marketing transformation to expand its global reach and contribute to the advancement of fintech worldwide. For example, it recently helped a Hong Kong-based bank adopt new development tools that increased its page development efficiency by nearly 40%. As AI is deployed on a large scale, embedded AI capabilities become a key driver of financial application modernisation. Kuang emphasised that GienTech is committed to its integrated infrastructure strategy, which combines digital application platforms with data and AI infrastructure to speed up application modernisation and strengthen its research and development capabilities. At the heart of this strategy is the use of technology and engineering expertise to reinforce GienTech’s leadership in China’s fintech market. The company has developed an AI model access and scheduling platform, similar to Model as a Service (MaaS), and an application intelligence platform focused on domain-specific AI models. Through generative AI, GienTech unlocks new applications in areas such as credit review, document recognition for international settlements, regulatory reporting automation, risk identification, marketing strategy optimisation and personalised content generation. These innovations improve accuracy, timeliness, and efficiency while reducing reliance on manual processes. Looking ahead, Kuang concluded, “GienTech will continue driving financial digital transformation through technological innovation and global expansion, with a particular focus on AI-powered applications to enhance operational efficiency and global competitiveness for financial institutions.
