Unleash the Power of Data

through Commercial Data Interchange (CDI)

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Next-Generation Financial Data Infrastructure

CDI aims to enable more efficient financial intermediation in the banking system and enhance financial inclusion in Hong Kong.

Instead of multiple one-to-one connections, each bank and data provider will have a single connection to CDI. Data sharing has never been easier. 

Without CDI With CDI

Potential use cases

Credit Underwriting

Enhance risk assessment with alternative data

Product Development

Promote innovation in financial products and services with market data

Customer Acquisition

Provide services to more customers at scale

Know Your Customer (KYC)

Verify identity and business status from different sources

Business Intelligence

Gain insights from data analytics

Potential use cases

Credit Underwriting
Credit Underwriting

Enhance risk assessment with alternative data

Product Development
Product Development

Promote innovation in financial products and services with market data

Customer Acquisition
Customer Acquisition

Provide services to more customers at scale

Know Your Customer (KYC)
Know Your Customer (KYC)

Verify identity and business activities from different sources

Business Intelligence
Business Intelligence

Gain insights from data analytics

Key Features

Consent-based Sharing
Consent-based Sharing

Commercial data will be shared only after data owners (e.g. small and medium-sized enterprises (SMEs)) have given their explicit consent to banks and data providers.

API Standardisation
Application Programming Interface (API) Standardisation

API and data models defined in CDI empower a more efficient data sharing mechanism and flexible use cases among CDI participants.

Innovation Stimulation
Innovation Stimulation

The design of CDI can accommodate high level of independency among CDI participants, fostering innovation in financial products and services with the use of alternative data.

Data Immutability
Data Immutability

The blockchain design of CDI means audit records are immutable, traceable and verifiable, ensuring a proper audit trail. Nevertheless, CDI does not store any commercial data to uphold the principle of data protection and increase system efficiency.

Security and Trust
Security and Trust

Only authorised entities (i.e. CDI participants) can connect with CDI and perform data exchange. All participants are identifiable and trusted.

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(From production launch to Dec 2025)

Benefitting SME Financing

This is one of the videos showcasing how Hong Kong-based SMEs can make use of alternative data via CDI and apply for bank loans. To see the rest of the videos, please visit the SME Stories page.
Bank of China (Hong Kong) Limited

CDI enables an easy access to real time and reliable commercial data with customers’ credit portfolio. This ground breaking financial data infrastructure effectively accelerates our loan approval process to facilitate SMEs in obtaining finance.

Phoebe Tse
Bank of China (Hong Kong) Limited
Bank of China (Hong Kong) Limited
New World Development

New World Development continues to apply new technology to its businesses to enhance the customer journey, to improve our overall business efficiency, and to accelerate our sustainability efforts. As Hong Kong’s first property developer to join the HKMA’s Commercial Data Interchange, and by introducing the use of FinTech in the Group, we hope to create a win-win-win situation for SMEs to access financial services, for us to strengthen our partnership with ecosystem stakeholders, and to promote the adoption of FinTech and green supply chain in Hong Kong and across the Greater Bay Area.

Paul Sin
New World Development
New World Development
Standard Chartered Bank (Hong Kong) Limited

We are pleased that HKMA is launching CDI as a data infrastructure in the Fintech 2025 strategy. This is important to us as it streamlines the process of collecting our clients’ data in a secured and prompt manner, offers more comprehensive view of their business performance, and helps us develop more used cases by leveraging the SME’s alternative data generated during business operations. CDI can also help us provide better customer experience, drive for more product innovation and financial inclusion for the SME community.

Winnie Tung
Standard Chartered Bank (Hong Kong) Limited
Standard Chartered Bank (Hong Kong) Limited
Tradelink Electronic Commerce Limited

We are delighted to take part in the HKMA’s CDI initiative sharing our customers’ trade declaration data with banks that help them offer loan services to our SME customers who otherwise have difficulties in accessing such services.  Through CDI and our partnership with Ping An OneConnect Bank (HK) Limited, we are happy to see the benefits brought to our customers and look forward to sharing more of such alternative data to help bring more values to the Hong Kong trading community as a whole.

Mr. Tommy Yuen, S.B.S.
Tradelink Electronic Commerce Limited
Tradelink Electronic Commerce Limited
Ping An OneConnect Bank (Hong Kong) Limited

We are pleased to be the first virtual bank participating in the HKMA’s Commercial Data Interchange initiative. Leveraging Tradelink Electronic Commerce Limited’s customer trade declaration data as an alternative data source for credit assessment, we have streamlined the loan approval process and have made the banking services more accessible for SMEs. We will continue to expand virtual banking services for more SMEs through the use of alternative data, and promote financial inclusion in Hong Kong.

Michael Fei
Ping An OneConnect Bank (Hong Kong) Limited
Ping An OneConnect Bank (Hong Kong) Limited
More testimonials

Our Partners

View All
OCBC Bank (Hong Kong)
New World Development Company
Dah Sing Bank
FWD Life Insurance Company (Bermuda)
CMB Wing Lung Bank
Ant Bank (Hong Kong)
Hong Leong Bank
Dun & Bradstreet (Hong Kong)
Bank of East Asia
Chong Hing Bank
FreightAmigo
Tradelink Electronic Commerce
Bank of Communications (Hong Kong)
Bank of China (Hong Kong)
Public Bank (Hong Kong)
Shanghai Commercial Bank
Fusion Bank
Citibank N.A.
WeBank Technology Services
Industrial and Commercial Bank of China (Asia)
Consented Data Exchange Gateway by Digital Policy Office
DBS Bank (Hong Kong)
QFPay Haojin Fintech
GS1 Hong Kong
Chiyu Banking Corporation
ZA Bank
Companies Registry
Octopus Cards
Hang Seng Bank
JETCO
Hongkong and Shanghai Banking Corporation
Lalamove
Nanyang Commercial Bank
The Land Registry
China Construction Bank (Asia)
China CITIC Bank International
Standard Chartered Bank (Hong Kong)
Ping An OneConnect Bank (Hong Kong)
Airport Authority Hong Kong
PingAn OneConnect Credit Reference Services Agency (HK)
HKICL Technology Solutions Limited
HKT Payment
Livi Bank
Fubon Bank (Hong Kong)
Know Your Customer
eft Payments (Asia)
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News

View All
HKMA publishes Project CargoX Recommendation Report
Press Release
19/01/2026
HKMA publishes Project CargoX Recommendation Report
Read more
The HKMA Unveils “Fintech 2030” at the Hong Kong FinTech Week 2025
Press Release
03/11/2025
The HKMA Unveils “Fintech 2030” at the Hong Kong FinTech Week 2025
Read more
Keynote Address at the Hong Kong FinTech Week 2025
Speech
03/11/2025
Keynote Address at the Hong Kong FinTech Week 2025
Read more
Remarks by CE/MA at media standup during Hong Kong FinTech Week 2025 (Chinese version)
Speech
03/11/2025
Remarks by CE/MA at media standup during Hong Kong FinTech Week 2025 (Chinese version)
Read more
Eddie Yue on Building Highways and Bridges for Hong Kong’s Digital Economy
InSight Article
30/10/2025
Eddie Yue on Building Highways and Bridges for Hong Kong’s Digital Economy
Read more
Project CargoX: Unlocking Trade Finance Value through Cargo Data
Quarterly Bulletin Article
29/09/2025
Project CargoX: Unlocking Trade Finance Value through Cargo Data
Read more
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