最有看点的互联网金融门户

最有看点的互联网金融门户
传统金融的互联网化国际资讯

汇丰银行计划推出全新用户跨行查询平台

近日,汇丰银行宣布,推出一个全新的开放性在线银行平台。通过这个平台,用户可以查询自己名下任何一家银行、金融机构的账户信息(并不局限于汇丰账户)。下个月,将有1万名英国用户有机会参与平台测试,另有21家银行机构参与测试(包括桑坦德、劳埃德和巴克莱等英国大型银行机构)。

一旦测试通过,汇丰计划在明年面向所有用户开发这一平台。用户只要登录这个app,就可以轻松查询自己的现金账户、存款账户、贷款情况。

汇丰表示,这只是这个app的第一个特色,未来几个月汇丰还将就其他特色功能开展测试。比如用户不仅可以充分了解自己的账户信息,而且可以通过"支出分析"功能对自己的花销进行分类,添加相关标记、交易截图等,为将来合理规划支出提供相关信息。此外,用户还可以通过"数字指导(Digital Coach)"更好地管理自己的资金,同时通过"存款条例(Saving Rules)"帮助自己进行强制储蓄。

HSBC is testing a platform that lets customers see all of their accounts, no matter who the provider, on one screen. The open banking platform will be tested with 10,000 UK customers from next month, with participants able to add accounts from up to 21 different banks, including Santander, Lloyds and Barclays.

The service - set to go live for all customers through a new app early next year - will not just be restricted to current accounts but also cover loans, mortgages and savings, if they are visible via online banking services.

HSBC says that this is just the first feature of the new app, with a host of other options in the pipeline for beta testing over the next few months.

Soon, customers will have access to a Safe Balance feature which shows them how much disposable money they have before their next payday, while a Spend Analysis option will categorise spending, adds tags, notes and photos to transactions and analyse patterns for more informed decision making.

A Digital Coach will provide insights into spending and offer tips on better money management, while a Saving Rules tool will round up spending amounts and send the extra to a savings account.


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