Explore China Merchants Bank's (CMB), one of China's largest retail banks, transformative journey through cloud migration, cloud-native transformation, and platform engineering over the past three years. Despite challenges such as increased complexity in cloud technology and management, and potential risks to developer productivity and continuous assurance of financial services, CMB successfully leveraged KubeVela, OpenFeature, Envoy, Clilum, and OpenTelemetry to build the Next-Gen FinTech IDP. This led to the management of 70% of applications within a year and improved developer experience, covering thousands of R&D engineers. We'll discuss the strategic thinking, 'Golden Path' implementation, struggles, trade-offs, and key success metrics with platform engineering maturity model. This session provides a blueprint and reference architecture for financial organizations undergoing similar transformations.