BanTech Think Tank
Jun 30, 2026 · Industry Insights
Evolution of Banking Core System Architecture: Historical Review and Future Trends
This article examines the three major phases of Chinese commercial banks' core system architecture—system budding, centralized mainframe, and distributed designs—analyzes the technical improvements and shortcomings of each generation, and forecasts post‑distributed trends such as domestic‑technology adoption, cloud‑native deployment, intelligent operations, real‑time data warehousing, micro‑service structures, and large‑model integration.
Large Language ModelsReal-time Data Warehousearchitecture evolution
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