Bank Open Platform-Design And Implementation Of Distributed Frameworks

With the deep penetration of the Internet into life and industry and the advancement of financial technology,the pace of online financial services is accelerating.It has gradually become an inevitable trend of future development for institutions to carry out financial services that integrate scenarios,ecology and open collaboration.Open Bank is a platform-based business model.Under this model,banks and partners share data,algorithms,transactions,processes,or other business functions,and partners master the commercial and financial services.Resources for users in the ecosystem to provide them with ubiquitous,best-in-class financial services.In this paper,we give an overview of the development of Open Bank platforms at home and abroad and summarize the main construction models of Open Bank.After an in-depth study of Open Bank,the current status of Z Bank's existing intermediate business platform is reviewed,and it is found that Z Bank's existing development It is difficult to adapt the model to the rapid and diverse development requirements of the grassroots and to the new demands of the integration of a large number of business scenarios in Internet finance.This paper proposes a construction route for Z Bank's own Open Bank by combining good construction practices of domestic and international Open Bank,design and It realize an Unified Data Service Platform.The platform uses the open source Spring Cloud,Redis,Oracle database and other component technologies to complete the construction,allowing simple,fast and lightweight docking between application systems through the service,front-end applications to shield the differences between groups of heterogeneous data sources,providing data flow efficiency,truly data-driven,data-empowered financial capabilities.After implementation,Z Bank will comprehensively enhance the capabilities of the open platform in terms of basic services,cross-border innovation,integration and security reinforcement,to build a new ecological financial cloud platform where customer experience is paramount,and seek win-win cooperation with a user-centric approach,enabling Z Bank to become the leader of regional financial institutions in the Internet tide of the innovation era.