Open Banking System

MuRong OBS

a secure, full-featured open banking System

The
Challenges

With the widespread adoption of mobile internet technology and the deepening of customers’ digital behaviours, open banking has become a key development trend in the global financial industry. Its core is breaking the closed nature of traditional banking: through API technology, banks can co-create ecosystems with partners across industries and embed financial services seamlessly into commercial scenarios. This expands service boundaries, increases customer engagement and retention, and strengthens market competitiveness.

However, commercial banks face multiple challenges in advancing open banking. On one hand, fintech companies continue to capture share in digital finance with modern technical architectures and agile product capabilities. On the other hand, although many banks have launched open banking initiatives, the technology gap remains a major obstacle to transformation. Constrained by the closed nature of legacy architectures, they struggle to provide standardized open APIs, making it difficult to support the rapid expansion of digital financial ecosystems effectively.

Open Banking System

MuRong OBS

a secure, full-featured open banking System

The
Challenges

With the widespread adoption of mobile internet technology and the deepening of customers’ digital behaviours, open banking has become a key development trend in the global financial industry. Its core is breaking the closed nature of traditional banking: through API technology, banks can co-create ecosystems with partners across industries and embed financial services seamlessly into commercial scenarios. This expands service boundaries, increases customer engagement and retention, and strengthens market competitiveness.

However, commercial banks face multiple challenges in advancing open banking. On one hand, fintech companies continue to capture share in digital finance with modern technical architectures and agile product capabilities. On the other hand, although many banks have launched open banking initiatives, the technology gap remains a major obstacle to transformation. Constrained by the closed nature of legacy architectures, they struggle to provide standardized open APIs, making it difficult to support the rapid expansion of digital financial ecosystems effectively.

news
MuRong OBS

As a key component of the MuRong IDO digital banking product suite, the MuRong Open Banking System(MuRong OBS) provides a secure, full-featured open banking platform. It helps banks launch services quickly and seize opportunities in ecosystem collaboration. The system includes functional modules such as an open API gateway, security authentication, real-time monitoring, and OAuth authorization, offering partners end-to-end support from access testing through to operational monitoring.

Built on a distributed microservices architecture, the system supports deployment on public and private clouds. It enables agile development, rapid iteration, and efficient integration with third-party systems, ensuring banks maintain technological leadership and business flexibility in a highly competitive market.

01
Agile Development
02
Rapid Iteration
03
Efficient Integration
news
MuRong OBS

As a key component of the MuRong IDO digital banking product suite, the MuRong Open Banking System(MuRong OBS) provides a secure, full-featured open banking platform. It helps banks launch services quickly and seize opportunities in ecosystem collaboration. The system includes functional modules such as an open API gateway, security authentication, real-time monitoring, and OAuth authorization, offering partners end-to-end support from access testing through to operational monitoring.

Built on a distributed microservices architecture, the system supports deployment on public and private clouds. It enables agile development, rapid iteration, and efficient integration with third-party systems, ensuring banks maintain technological leadership and business flexibility in a highly competitive market.

01
Agile Development
02
Rapid Iteration
03
Efficient Integration

Key features

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Comprehensive financial service support capabilities

The system provides end-to-end financial modules, including customer management, deposits, payments, loans, accounts, and wallets. It enables banks to deploy standardized financial products quickly across diverse scenarios.

Preconfigured SDK to lower development barriers

By offering standardized SDK tools, the system significantly reduces partner onboarding and development effort and cost, improves ecosystem collaboration efficiency, and accelerates the launch of new products.

Standardized APIs and cross-platform compatibility

Built on unified platform protocols, the system exposes standardized APIs that support rapid connectivity across industries, systems, and platforms. This ensures technical compatibility and stability during ecosystem expansion.

Real-time interaction and high-concurrency processing

The system supports high concurrency and responds quickly to real-time transaction requests from third parties, meeting business continuity requirements in high-volume transaction scenarios.

Security and compliance

The system adopts a rigorous security framework, complies with financial regulatory requirements, and ensures transaction compliance with controllable risk.

Key
features

ball

Comprehensive financial service support capabilities

The system provides end-to-end financial modules, including customer management, deposits, payments, loans, accounts, and wallets. It enables banks to deploy standardized financial products quickly across diverse scenarios.

Preconfigured SDK to lower development barriers

By offering standardized SDK tools, the system significantly reduces partner onboarding and development effort and cost, improves ecosystem collaboration efficiency, and accelerates the launch of new products.

Standardized APIs and cross-platform compatibility

Built on unified platform protocols, the system exposes standardized APIs that support rapid connectivity across industries, systems, and platforms. This ensures technical compatibility and stability during ecosystem expansion.

Real-time interaction and high-concurrency processing

The system supports high concurrency and responds quickly to real-time transaction requests from third parties, meeting business continuity requirements in high-volume transaction scenarios.

Security and compliance

The system adopts a rigorous security framework, complies with financial regulatory requirements, and ensures transaction compliance with controllable risk.

Our product
Benefits

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Expand market reach and drive revenue growth

MuRong OBS supports rapid access to multiple industry scenarios, including mobile payments, government services, insurance, education, e-commerce, transportation, and tourism. It breaks traditional service boundaries, builds industry ecosystems, acquires incremental users, scales business, and sustains revenue growth.

Break free from legacy system constraints

With a lightweight technical architecture, MuRong OBS efficiently handles complex financial processes and scenarios. Featuring low coupling, the system does not rely excessively on traditional core systems, helping banks open financial services at low cost and high efficiency.

Enhance differentiated competitiveness

Amid rapid fintech development, MuRong OBS leverages its technology and product advantages to help banks develop embedded finance and inclusive finance, building differentiated competitive capabilities.

Our product Benefits

ball ball

Expand market reach and drive revenue growth

MuRong OBS supports rapid access to multiple industry scenarios, including mobile payments, government services, insurance, education, e-commerce, transportation, and tourism. It breaks traditional service boundaries, builds industry ecosystems, acquires incremental users, scales business, and sustains revenue growth.

Break free from legacy system constraints

With a lightweight technical architecture, MuRong OBS efficiently handles complex financial processes and scenarios. Featuring low coupling, the system does not rely excessively on traditional core systems, helping banks open financial services at low cost and high efficiency.

Enhance differentiated competitiveness

Amid rapid fintech development, MuRong OBS leverages its technology and product advantages to help banks develop embedded finance and inclusive finance, building differentiated competitive capabilities.