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    PORTFOLIO

    FINTECH SOLUTION SUITE

    HIGHLIGHTS


    • Mass market operation experience and skills in China and worldwide (e.g. India, Malaysia, Thailand, etc.)
    • Mature and secure FinTech technologies, e.g. Financial cloud, blockchain and biometric technologies
    • Profound industry knowledge with top-level talents
    • Strong R&D commitment and continous evolution on FinTech technologies
    • Flexible business models and partnership models in different markets
    • Fast time-to-market (TTM) and return on investment (RoI)

     

     

    PAYMENT

     

    Alipay+ is the dedicated payment solution suite for global users powered by Ant Financial, which can help payment service providers to achieve leading market position with mature and advanced technologies. In addition to the mobile payment solution, Alipay+ also offers related services for E2E business operation, such as risk control, marketing promotion, AML (Anti Money Laundering), mini-program platform (Web-based application), gamification, financial big data, and transportation solution, etc.

     

    Mobile Payment

     

    Alipay is the leading mobile payment solution, providing 550 million registered users with an easy, safe and secure way to make and receive payments online. It supports QR-code scanning, NFC, facial recognition for both online & offline payment services, also provides money transfer, utility payment, remittance, and all value-added services to fulfill cashless society.

    • Out-of-the-box solution with customer-specific development, local delivery to start payment business
    • Open source code to build market competitiveness
    • Start business with industry giant with sharing Ant Financial technology & experience
    • Proven product with in-house business, the world largest financial ecosystem and platform
    • Access to Ant Financial global payment network and Alibaba ecosystem

     

    Risk Control

     

    Alipay+ Risk Control has achieved remarkable track records after years of exploration:

    • Capital loss rate: <0.0000001%
    • Fraud rate: < 0.001%
    • Response time: < 150ms
    • System availability: > 99.99%

    The payment risk control and prevention is powered by Ant Financial extensive experience & global intelligence, which is featured by:

    • Efficient and private with more secure solution for data
    • High reliability and low maintenance cost
    • Easy to integrate, all risk control components are highly specialized in its own domain and can be integrated separately

     

    Facial Recognition

     

    Alipay+ Facial Recognition provides interactive face detection and image anonymization capabilities, along with a high reliable and secure system architecture, to bring user better identity authentication experience.

    • High accuracy, around 99.6% accuracy in the international face photograph database (LFW)
    • High security, with biometric identification technology to identify the unique user ID

     

    BANKING

     

    Whale Cloud and Ant Financial have continuously driven banking technology to improve user experience and operation efficiency. Focusing on banking business digitalization, we provide intelligent services, products and solutions based on financial innovation and platform capabilities.

     

    Core Banking

     

    We provide innovative Core Banking System which is customer-centric design from the overall perspective of banks, to serve bank business with functionalities like deposit, loan, card, GL, accounting, for today and tomorrow.

    • Full range of support for the banking business from design to production, sales and services
    • Parametric configuration to allow the core system to quickly respond rapid business changes
    • Cloud native and distributed architecture enables multi-tenants operation

     

    Internet Banking

     

    Internet Banking System (direct bank) can meet the fast growth of internet fintech companies, provide multiple contact channels, internet customer engagement, marketing & sales, etc., and expand business scope, improve efficiency through internet tools and services.

    • Integrated with offline channels, increase service ability and reduce TCO (Total Cost of Ownership)
    • Proactive customer engagement with precise promotion and customer care

     

    Internet Financing

     

    Internet Financing Solution helps financial companies build customer acquisition, marketing, customer care, wealth management, and intelligent risk control, to meet the increasing market needs such like P2P loan, crowd funding, personal investment and financing.

    • Fast customer base increase with intelligent marketing capability
    • 10K-level real-time customer data processing capability
    • Business efficiency improvement and human cost reduction with AI capability

     

    FINANCIAL CLOUD

     

    Based on highly available cloud infrastructure, a diverse set of cloud products, professional cloud services, and rich digital transformation experience, Ant Financial Cloud helps financial institutions to build next generation financial architecture with low cost and high availability. Enabled by its big data platform and AI technologies, Ant Financial Cloud can provide customized solutions in risk modeling, data management, security, face recognition, and universal financial scenarios, with diverse applications across the consumer, bank, payment, securities, capital markets, and insurance industries.

     

    • Pre-integrated Finance Technologies

    Provide rich technological support in finance based on the Alibaba Cloud platform, including face recognition, artificial intelligence, algorithms, block chain solutions and abundant SaaS applications, covering a variety of financial scenarios.

     

    • Security & Compliance

    Help institutions implement tailored security and compliance solutions for different markets. Build a highly secure architecture on the cloud with a diverse set of products and services.

     

    • AI-driven Risk Control

    Based on big data platform and AI technology, Ant Financial Cloud can support various solutions in financial risk control including anti-fraud, anti-money laundering, credit risk evaluation and regulatory risk management.