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汇丰银行也要推出数字银行了?

近几年来,英国数字银行领域的竞争日趋激烈。

为了应对来自Monzo和Starling等新兴创企的挑战,桑坦德银行、苏格兰皇家银行在内的多家老牌高街银行也加入了数字化的浪潮之中。

而相对较小一些的克莱德斯代尔(Clydesdale)和新城银行(Metro Bank)在内的小型竞争对手则正在争夺由苏格兰皇家银行(RBS)支持的8.33亿英镑的基金,该基金旨在促进竞争,协调与监管机构的关系。

面对这样的市场局面,英国银行业的重量级企业——汇丰银行——终于也坐不住了。

近日有消息显示,汇丰银行计划于近期推出一个全新的数字银行(目前内部名称为“Project Iceberg”)。据悉,汇丰银行为这一项目已经招募了100多人,项目总部就位于伦敦市中心Aldwych地区的办事处。

有知情人士称,这家数字银行预计将专注于小型企业客户,并可能在今年以“beta”测试模式推出。

 

HSBC is close to launching a new digital bank known internally as “Project Iceberg” in a move to sink new competition from online upstarts. Europe’s largest lender has recruited more than 100 people to the secret project, based in offices in the Aldwych area of central London.

A source close to HSBC said the stand-alone digital bank was expected to focus on small business customers and could launch as early as this year in “beta” testing mode.

HSBC joins high street rivals RBS and Santander in the race to build separate digital brands to fend off competition from fast-growing online rivals such as Monzo and Starling. Any big push by HSBC into online business banking would also shake up the market at a critical time.

Smaller rivals including Clydesdale and Metro Bank are jockeying for an £833m fund stumped up by RBS to boost competition and placate regulators, with the contest starting in November.

A HSBC spokesman declined to comment on specific plans, but said: “We are always exploring ways to make commercial banking quicker, easier and more convenient.


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