Grounded in deep insight into banking digitalization trends, MuRong Technology has launched MuRong M5, a modern core banking system. The system tightly integrates traditional core services with advanced digital banking capabilities, delivering a comprehensive step-change from underlying architecture to product experience. MuRong M5 advances multiple dimensions, including technical architecture, functional design, regulatory compliance, ecosystem connectivity, infrastructure, and operations and maintenance (O&M) services, enabling banks to build a next-generation digital financial infrastructure that is future-oriented, omnichannel integrated, and cross-ecosystem collaborative.
Finance
Customer-centred by design, MuRong M5 supports open banking and ecosystem collaboration models, delivering round-the-clock, compliant, secure, real-time, and intelligent financial services while emphasising agile innovation and continuous optimisation. It adopts an advanced technical architecture, provides a full-process, compliant, secure, highly available, and automated O&M support system, and enables external collaboration with AI platforms.
Grounded in deep insight into banking digitalization trends, MuRong Technology has launched MuRong M5, a modern core banking system. The system tightly integrates traditional core services with advanced digital banking capabilities, delivering a comprehensive step-change from underlying architecture to product experience. MuRong M5 advances multiple dimensions, including technical architecture, functional design, regulatory compliance, ecosystem connectivity, infrastructure, and operations and maintenance (O&M) services, enabling banks to build a next-generation digital financial infrastructure that is future-oriented, omnichannel integrated, and cross-ecosystem collaborative.
Finance
Customer-centred by design, MuRong M5 supports open banking and ecosystem collaboration models, delivering round-the-clock, compliant, secure, real-time, and intelligent financial services while emphasising agile innovation and continuous optimisation. It adopts an advanced technical architecture, provides a full-process, compliant, secure, highly available, and automated O&M support system, and enables external collaboration with AI platforms.
To address the pain points in banks’ digital transformation, especially the challenges posed by legacy core systems, MuRong M5 adopts a modular architecture that provides highly flexible solutions for banks.
Banks can choose from a range of deployment options based on their current level of digitalization and the urgency of business needs.
This flexible approach avoids large upfront investments by enabling phased, incremental upgrades and transformation while significantly improving return on investment (ROI).
MuRong M5 supports rapid integration with other MuRong products (such as MuRong IDO and MuRong UNIPAY), enabling the creation of an end-to-end digital financial services ecosystem.
MuRong M5 addresses multiple implementation challenges, including poor system compatibility, high risk of business disruption, lengthy project cycles, cost uncertainty, and difficulties in ecosystem integration.
Leveraging mature adaptation and migration technologies, together with extensive implementation experience, MuRong M5 enables banks to execute secure, smooth, and efficient modernization projects for their core systems.
To address the pain points in banks’ digital transformation, especially the challenges posed by legacy core systems, MuRong M5 adopts a modular architecture that provides highly flexible solutions for banks.
Banks can choose from a range of deployment options based on their current level of digitalization and the urgency of business needs.
This flexible approach avoids large upfront investments by enabling phased, incremental upgrades and transformation while significantly improving return on investment (ROI).
MuRong M5 supports rapid integration with other MuRong products (such as MuRong IDO and MuRong UNIPAY), enabling the creation of an end-to-end digital financial services ecosystem.
MuRong M5 addresses multiple implementation challenges, including poor system compatibility, high risk of business disruption, lengthy project cycles, cost uncertainty, and difficulties in ecosystem integration.
Leveraging mature adaptation and migration technologies, together with extensive implementation experience, MuRong M5 enables banks to execute secure, smooth, and efficient modernization projects for their core systems.
Our Product features
MuRong M5 has built an integrated service platform of various basic services for commercial banks, and created an upstream and downstream ecosystem centered on banks, bringing good experience to customers, enterprises and banks.
Comprehensive financial products
MuRong M5 helps banks build a complete and agile financial product system. It supports both core banking services (such as deposits, loans, payments, trade finance, and fund management) and the core capabilities required for diverse digital products (such as online loans and mobile payments), effectively meeting the needs of various business scenarios.
Omni-channel banking service support
MuRong M5 can collaborate with other MuRong products to provide omnichannel services, ensuring customers enjoy a highly consistent experience across channels.
Standardized API ecosystem
MuRong M5 provides standardized APIs that enable embedded financial services and allow quick, secure connectivity to third-party ecosystems.
Leading technical architecture
Adopting cloud-native, microservices, and containerized architecture, MuRong M5 delivers elastic scalability and efficient deployment. It enables rapid, flexible responses to business change while improving development efficiency and system reliability.
AI collaboration
MuRong M5 integrates AI technologies, providing strong support for intelligent risk control, transaction assistants, personalized recommendations, and intelligent customer service. This enhances operational efficiency, risk management, and customer experience.
Multi-X
capabilities
Supports multi-tenant, multi-country, multi-currency, and multi-language operations.
Our Product features
MuRong M5 has built an integrated service platform of various basic services for commercial banks, and created an upstream and downstream ecosystem centered on banks, bringing good experience to customers, enterprises and banks.
Comprehensive financial products
MuRong M5 helps banks build a complete and agile financial product system. It supports both core banking services (such as deposits, loans, payments, trade finance, and fund management) and the core capabilities required for diverse digital products (such as online loans and mobile payments), effectively meeting the needs of various business scenarios.
Omni-channel banking service support
MuRong M5 can collaborate with other MuRong products to provide omnichannel services, ensuring customers enjoy a highly consistent experience across channels.
Standardized API ecosystem
MuRong M5 provides standardized APIs that enable embedded financial services and allow quick, secure connectivity to third-party ecosystems.
Leading technical architecture
Adopting cloud-native, microservices, and containerized architecture, MuRong M5 delivers elastic scalability and efficient deployment. It enables rapid, flexible responses to business change while improving development efficiency and system reliability.
AI collaboration
MuRong M5 integrates AI technologies, providing strong support for intelligent risk control, transaction assistants, personalized recommendations, and intelligent customer service. This enhances operational efficiency, risk management, and customer experience.
Multi-X
capabilities
Supports multi-tenant, multi-country, multi-currency, and multi-language operations.
Our product
Benefits
Accelerated product innovation
Through its mature product factory, MuRong M5 accelerates product innovation, supports rapid configuration and agile launch of financial products, and provides flexible configuration options. This enables banks to respond quickly to diverse business needs and market changes.
Omni-channel business operations
MuRong M5 offers a unified operations management centre. Leveraging data analytics and automated processing, it reduces operating costs, i mproves operational efficiency, and provides comprehensive operational insights and decision support for banks.
End-to-end user experience
Through a unified, end-to-end customer journey design, MuRong M5 delivers a consistent service experience across channels. The system integrates AI technologies to provide services such as digital KYC (D-KYC), 24/7 customer service, and personalized recommendations, optimizing the user experience.
Building an open business ecosystem
MuRong M5 supports cross-industry ecosystem integration, helping banks transcend traditional service boundaries, expand into emerging digital financial ecosystem markets, and achieve sustained business growth and value innovation.
Optimized deployment and cost structure
Based on cloud-native architecture, MuRong M5 offers multiple deployment models, including on-premises and SaaS. Banks can select the appropriate option based on their needs to right-size initial investment and maximize outcomes while ensuring elastic scalability.
Our product Benefits
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.
Real Results
Real Results
As one of China’s five state-owned commercial banks, Bank of Communications received key technical support from MuRong Technology for its core banking modernization project. To meet the bank’s upgrade requirements, a customized modular upgrade solution was developed to enable seamless integration with existing systems and data migration while maintaining normal business operations during implementation. After the upgrade, business processing efficiency improved significantly, with faster transaction response times. The bank also launched several innovative financial products that met market demand, shortening time to market and enhancing competitiveness.
As China’s second-largest commercial bank, China Construction Bank (CCB) has actively pursued a digital transformation strategy. MuRong Technology implemented a secure, flexible, and open digital core banking system for CCB using MuRong M5, successfully supporting the rapid launch and stable operation of the bank’s digital banking services. Deeply integrated with CCB’s core business systems, the solution significantly improved customer experience, reduced operational costs, expanded diverse service scenarios, and helped CCB maintain a leading edge in digital finance.
China Bohai Bank is a large national commercial bank in China. With its distributed, microservices-based architecture, MuRong M5 closely aligns with China Bohai Bank’s blueprint for its next-generation technical architecture, facilitating a smooth upgrade of its core banking system. After the upgrade, the performance of the bank’s core system improved substantially, with markedly enhanced operational stability. Benefiting from MuRong M5’s agile architecture, more innovative products have been developed rapidly on this platform.
As one of China’s three major telecom operators, China Telecom has expanded into digital finance through its "Sweet Orange Finance" and "Bestpay" platforms. As its long-term core partner, MuRong Technology implemented a digital core banking system based on MuRong M5 for China Telecom, strengthening its digital banking systems and enabling a step-change in financial services. China Telecom not only expanded comprehensive financial services (including online loans, e-wallets, bill payments, consumption finance, wealth management, and insurance) but also built a complete digital financial ecosystem.
As Kenya’s third-largest bank, NCBA is a leader in Africa’s digital banking sector, with 68 million customers and strong profitability. Facing challenges such as slow response from legacy systems and limited adaptability for new products, NCBA partnered with MuRong Technology to complete a comprehensive digital upgrade of its core banking system using MuRong M5. The upgraded system provides end-to-end digital capabilities, including mobile deposits, online loans, digital payments, and a Super App, enabling NCBA to drive innovation and inclusive finance in six countries: Kenya, Tanzania, Uganda, Rwanda, Ghana, and Côte d’Ivoire.
Faulu Microfinance Bank (Faulu) is Kenya’s largest microfinance institution, long committed to providing inclusive finance to individuals and micro, small, and medium-sized enterprises (MSMEs). To address challenges in its legacy core systems, such as limited scalability, weak cross-channel integration, and low transaction-processing efficiency, Faulu partnered with MuRong Technology to modernize its core business system using MuRong M5. The program is designed to enhance throughput and stability, establish a solid technical foundation for channel collaboration and business expansion, and improve customer experience and market competitiveness.
Real Results
Real Results
As one of China’s five state-owned commercial banks, Bank of Communications received key technical support from MuRong Technology for its core banking modernization project. To meet the bank’s upgrade requirements, a customized modular upgrade solution was developed to enable seamless integration with existing systems and data migration while maintaining normal business operations during implementation. After the upgrade, business processing efficiency improved significantly, with faster transaction response times. The bank also launched several innovative financial products that met market demand, shortening time to market and enhancing competitiveness.
As China’s second-largest commercial bank, China Construction Bank (CCB) has actively pursued a digital transformation strategy. MuRong Technology implemented a secure, flexible, and open digital core banking system for CCB using MuRong M5, successfully supporting the rapid launch and stable operation of the bank’s digital banking services. Deeply integrated with CCB’s core business systems, the solution significantly improved customer experience, reduced operational costs, expanded diverse service scenarios, and helped CCB maintain a leading edge in digital finance.
China Bohai Bank is a large national commercial bank in China. With its distributed, microservices-based architecture, MuRong M5 closely aligns with China Bohai Bank’s blueprint for its next-generation technical architecture, facilitating a smooth upgrade of its core banking system. After the upgrade, the performance of the bank’s core system improved substantially, with markedly enhanced operational stability. Benefiting from MuRong M5’s agile architecture, more innovative products have been developed rapidly on this platform.
As one of China’s three major telecom operators, China Telecom has expanded into digital finance through its "Sweet Orange Finance" and "Bestpay" platforms. As its long-term core partner, MuRong Technology implemented a digital core banking system based on MuRong M5 for China Telecom, strengthening its digital banking systems and enabling a step-change in financial services. China Telecom not only expanded comprehensive financial services (including online loans, e-wallets, bill payments, consumption finance, wealth management, and insurance) but also built a complete digital financial ecosystem.
As Kenya’s third-largest bank, NCBA is a leader in Africa’s digital banking sector, with 68 million customers and strong profitability. Facing challenges such as slow response from legacy systems and limited adaptability for new products, NCBA partnered with MuRong Technology to complete a comprehensive digital upgrade of its core banking system using MuRong M5. The upgraded system provides end-to-end digital capabilities, including mobile deposits, online loans, digital payments, and a Super App, enabling NCBA to drive innovation and inclusive finance in six countries: Kenya, Tanzania, Uganda, Rwanda, Ghana, and Côte d’Ivoire.
Faulu Microfinance Bank (Faulu) is Kenya’s largest microfinance institution, long committed to providing inclusive finance to individuals and micro, small, and medium-sized enterprises (MSMEs). To address challenges in its legacy core systems, such as limited scalability, weak cross-channel integration, and low transaction-processing efficiency, Faulu partnered with MuRong Technology to modernize its core business system using MuRong M5. The program is designed to enhance throughput and stability, establish a solid technical foundation for channel collaboration and business expansion, and improve customer experience and market competitiveness.
30 years. MuRong is not only a vendor, but also a partner.”
— Isaac, Chairman of NCBA Group.
— Isaac, Chairman of NCBA Group.