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.


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

Enhance risk assessment with alternative data

Promote innovation in financial products and services with market data

Provide services to more customers at scale

Verify identity and business activities from different sources

Gain insights from data analytics
Key Features

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

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.

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.

Only authorised entities (i.e. CDI participants) can connect with CDI and perform data exchange. All participants are identifiable and trusted.
Benefitting SME Financing
This video introduces how CDI helped Hong Kong-based SME make use of alternative data to apply for bank loans.
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.

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.

Dun & Bradstreet Hong Kong is fully committed to its ongoing collaboration with the CDI to support further acceleration and upscaling of credit risk assessment processes, which will be benefit financers in Hong Kong’s SME lending market.

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.

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.

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