Lingyun going to sea | Murong Technology & Huawei cloud: creating a model of financial SaaS solutions in Africa

From the birth of mobile payment , To the mobile wallet 、 Internet banking is becoming more and more popular , Digital technology has been deeply affecting the financial industry . Now , The digital wave is sweeping the world , The digital transformation trend of the financial industry is irreversible . that , How to empower financial customer numbers Transformation ？ Regarding this , Murong technology has something to say .

Murong Technology , One of the world's leading Digital finance IT Solution provider , Focus on commercial banks 、 Non bank financial institutions and other industries provide financial products IT Solution . Up to now , Murong technology business has covered the world 4 A continent , Including Asia 、 The European 、 America and Africa , Over the world 8 Million users use the products or solutions implemented by Murong Technology .

Throughout the development of Murong Technology , It can be summed up in one sentence ： Clear 、 Clear development direction and enterprise positioning .

Firmly take commercial banks as the core

Murong technology was founded in 2013 year , At that time, China's mobile communication system and financial industry had undergone drastic changes . One side , The Ministry of industry and information technology officially issued to the three major operators 4G License plate , It marks China's entry into 4G Time . Financial institutions can transfer data faster 、 Higher quality 4G The network provides users with more convenient financial services ; On the other hand , Competition in the financial industry is intensifying , Driven by multiple parties , The traditional financial industry urgently needs digital transformation and upgrading .

In the era of drastic changes , Opportunities and challenges coexist , How to choose is crucial . There are many sub sectors in the financial industry , Murong technology firmly chose Take commercial banks as the core , Provide financial enterprises with IT Products and solutions Development direction .

For commercial banks , Murong technology creates a digital bank 、 Payment settlement 、 Super Wallet 、 Intelligent marketing as the core 4 Solutions , Provide customers with one-stop digital financial product solutions , Effectively adapt to various digital financial business scenarios . Take the digital banking system as an example , Murong technology has built an omni channel mobile platform 、 The whole product is intelligent 、 Full operational digitalization 、 Ecological openness ,“ One core and four modernizations ” New digital financial system .

Become a global enterprise

In addition to choosing the right direction , The rapid expansion of Murong technology also benefits from its positioning ： Committed to becoming a global enterprise . For the globalization strategy , Chenyinggang, founder of Murong technology, introduced ：“ Murong technology has a clear overseas strategy , The African market is the company's choice of strategy .”

Why Africa ？ nearly 13 Africa with a population of billion , It is called the last in the world “ Billion blue ocean market ”, Full of opportunities and challenges , Especially finance 、 E-commerce and other fields . In the financial industry , Due to the high service charge for banking business , More than two-thirds of people in many African countries do not have bank cards , So mobile payment 、 Inclusive financial services such as mobile wallet have become an important choice for people .

It is so , Murong technology chooses Nigeria 、 Kenya 、 South Africa is centered on three major African countries , It radiates to dozens of surrounding countries and regions , Provide local payment and settlement 、 Digital Banking 、 Digital financial solutions such as super wallet .

Now , Africa has become the continent with the largest contribution to the revenue of Murong technology besides the mainland .

Keep exploring , Initiative innovation

As the digitalization of the financial industry continues to deepen , The omni channel of digital finance of commercial banks 、 The whole scene 、 Full intelligence also needs to be further sublimated . In the whole process of enterprise development , Murong technology has always attached great importance to the changes in the market environment and adhered to the attitude of continuous exploration , Based on the industrial embrace scenario , Active innovation and application of innovative products and solutions 、 Use .

Post epidemic Era , Based on distributed 、 The digital financial solution of the microservice architecture system has become the mainstream choice of global financial institutions . To meet the needs of industry development , Murong technology has chosen to cooperate deeply with Huawei cloud , structure End to end business SaaS Solution . Based on the underlying capabilities of Huawei cloud , Use Huawei cloud microservice distributed technology , Realize the access layer of the online trading system 、 High availability of service layer and data layer 、 High concurrency and scalability . meanwhile , Microservice architecture makes the system agile , Be able to quickly deliver new business requirements .

Join hands with Huawei cloud , Empowering customers with value

《2021 Chinese Finance SaaS Industry Research Report 》 Show ,2025 In, the sales and market of China's financial industry SaaS Demand is expected to exceed 200 One hundred million yuan , Financial industry SaaS The application will become the development demand of the digital transformation of the financial industry . Huawei Murong SaaS The solution is through Online Omni channel business 、 Open service ecology 、 Intelligent business operation Three levels , Establish a set of Digital Banking service system that can be quickly integrated with scenarios , Empowering customers with value .

In Africa, , Murong technology and Huawei have established model practice cases —— Kenya NCBA Digital Banking core system . before ,NCBA The bank is faced with the problem that the current network performance cannot cope with the impact of mobile traffic 、 Insufficient system adaptability 、 System disconnection 、 Slow response affects the user experience and other multiple problems , The demand for digital transformation is very urgent . around NCBA The demand of the bank , Murong technology cooperates with Huawei cloud , To build the NCBA The new generation of Digital Banking Core System of the bank , This is the first bank core system built with distributed architecture in Kenya , Will effectively support NCBA The business development of the bank in the next ten years .
in general , Huawei Murong SaaS The solution can bring customers four changes and improvements ：

• Inclusive finance ：E-KYC Support graded customer certification ; Based on mobile wallet , No cash transactions ; Based on wallet account , No physical card ; Digital operation ;

• Accurate customer acquisition ： Precision marketing based on data analysis significantly reduces customer acquisition costs ; The open platform can get huge customer traffic from the ecosystem ;

• Agile intelligence ： Significantly reduce the TTM; Rapid integration with new partners , Build a digital financial ecosystem ;360 Customer view , Provide customers with a unified growth plan and consistent experience .

• High tech support ： Significantly reduce the cost of customer software and hardware ; Significantly improve the system carrying capacity ; Distributed and microservice design supports easy parameterization and configuration of new products .

Chenyinggang, founder of Murong technology, said ：“ Murong technology will continue to work with Huawei cloud , Continue to bring the most advanced product solutions for digital finance to Africa , Let the general public in Africa feel the progress of financial technology , Enjoy digital finance for production 、 The convenience of life , For hundreds of millions of people who can not enjoy financial services, add the color of Finance .”

at present , Huawei cloud has 27 Regions 、65 Available partitions 、2800 individual CDN node , Provide 220+ Cloud services and 210+ Solution , And 6000+ Partner application cooperation , service 170 Thousands of customers from countries and regions , Contribute to the global digital transformation .