Global banking group HSBC has launched HSBCnio, an AI-enabled transaction banking platform designed to bring its corporate and institutional services into one digital environment, while allowing clients to connect their own AI systems to authorised banking data.
The platform reflects a shift in how banks are making their services available to corporate customers, with greater emphasis on integrating financial information into the tools businesses already use. Through HSBCnio, clients can access banking services through web and mobile channels using their existing HSBCnet credentials and permissions, or connect internal systems directly through APIs.
One of the platform’s central features is HSBC’s adoption of the Model Context Protocol (MCP), which allows corporate clients’ AI tools to access authorised account and transaction data on a read-only basis. This gives treasury teams a way to incorporate AI into existing workflows without bypassing established access permissions or data safeguards.
The approach is intended to reduce the time finance teams spend retrieving and interpreting banking information, helping them make decisions with greater speed and visibility. Potential applications include liquidity forecasting, variance analysis, reviewing cross-border cash positions and generating reports.
HSBCnio also combines a redesigned digital interface with embedded connectivity for corporate users. Through the platform, businesses can review cash positions and transactions, arrange trade loans and foreign exchange (FX), and track payments. The interface is designed to make it easier for treasury teams to identify activity requiring attention.
For businesses looking to integrate the service into their own technology environments, HSBC is providing API documentation, software development kits and a sandbox.
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