Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 2am and 7am GMT on 12 January 2025 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 2am and 7am GMT on 8 December 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Barclays will be carrying out maintenance only impacting commercial credit cards on 08/12/2024 between 02:00 to 07:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th December between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th December between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th December between 01:00 and 06:00.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Barclays will be carrying out maintenance only impacting commercial credit cards on 10/11/2024 between 02:00 to 07:00. Apologies for any inconvenience this may cause

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 1am and 7am GMT on 10 November 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 1am and 3am GMT on 27 October 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Barclays will be carrying out maintenance only impacting commercial credit cards on 27/10/2024 between 01:00 to 03:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 1am and 7am BST on 20 October 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Barclays will be carrying out maintenance only impacting commercial credit cards on 20/10/2024 between 01:00 to 07:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 18th October between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 18th October between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 18th October between 01:00 and 06:00.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 2am and 7am BST on 6 October 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Barclays will be carrying out maintenance only impacting commercial credit cards on 06/10/2024 between 02:00 to 07:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 1.30am and 7am BST on 15 September 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our savings and Clubcard Pay+ products. There will also be disruption to customers' ability to authorise consents. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 10pm on 14 September and 8am BST on 15 September 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

Barclays will be carrying out maintenance only impacting commercial credit cards from 14/09/2024 22:00 till 15/09/2024 08:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th September between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th September between 01:00 and 06:00.

LBG would like to advise that due to planned maintenance at a third party, the ability to check credit card balances and transactions will be impacted on 6th September between 01:00 and 06:00.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

LBG would like to advise of disruption to our AIS and PIS services due to planned maintenance. This will occur on 17th August 2024 from 02:00 - 03:00 but could extend until 06:00 if a backout is required. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available and the ability to complete payments may be impacted. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

LBG would like to advise that due to planned maintenance of an application in the end-to-end international payments flow; requests to make international payments may fail between 00:00 till 04:00 on 17th August 2024.

LBG (Halifax and Bank of Scotland) would like to advise that due to planned maintenance of an application in the end-to-end international payments flow; requests to make international payments may fail between 00:00 till 04:00 on 17th August 2024.

We wish to advise that due to a planned upgrade on Bankline, being implemented between Friday 16th Aug and Saturday 17th Aug, Payment Initiation services and new AISP consent requests for NatWest, RBS & Ulster Bank Northern Ireland customers, using Bankline, will be unavailable from 20:00 on 16th Aug to 15.00 on 17th Aug. This release could potentially impact around 1.2% of our digital customers who access the application either directly or via TPP’s. Access to AISP and PISP API’s for the rest of our digital customer base and access via all other channels will remain available during this change window.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 2am and 7am BST on 11 August 2024 due to planned maintenance.  
During this time there will be disruption to APIs for our Credit Card products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

Barclays will be carrying out maintenance only impacting commercial credit cards on 11/08/2024 between 02:00 and 07:00. Apologies for any inconvenience this may cause

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We are expecting interruptions to AIS, PIs and CoF within the period of 21:30 on the 10th August until 05:00 on the 11th August.

We apologise for any inconvenience this may cause.

LBG would like to advise that due to a planned change to our API gateway there may be some small periods of disruption to Lloyds brand AIS/PIS services between 22:00 8th August and 01:00 9th August.

LBG would like to advise that due to a planned change to our API gateway there may be some small periods of disruption to Halifax brand AIS/PIS services between 22:00 7th August and 01:00 8th August.

Starling is performing a routine upgrade of its Open Banking database. There will be a short (~2 minute) outage of Starling's CoP and AIS/PIS APIs between 10am & 12pm on Wednesday 7th August. Apologies for any inconvenience.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 11.30pm on 6 August and 3.30am BST on 7 August 2024 due to planned maintenance.  
This disruption will affect all products. No alternative access methods will be available, and transactions will not be queued.  

Regards,  
Tesco Bank Open Banking Team

LBG would like to advise that due to a planned change to our API gateway there may be some small periods of disruption to MBNA brand services between 22:00 6th August and 01:00 7th August.

Due to essential upgrade and maintenance our SME and Retail Open Banking Service will be unavailable from 21:00 23rd July 2024 until 03:00 24th July 2024.
Thanks for your understanding and support
Digital Operations Team

LBG would like to advise that due to a planned change to our API gateway there may be some small periods of disruption to Bank of Scotland brand AIS and PIS services between 22:00 5th August and 01:00 6th August.

LBG would like to advise that we are undertaking planned maintenance on 5th August 2024 between 13:00 - 13:30. This consists of an infrastructure change that may impact our Open Data endpoints.

LBG (Halifax and Bank of Scotland) would like to advise that we are undertaking planned maintenance on 5th August 2024 between 13:00 - 13:30. This consists of an infrastructure change that may impact our Open Data endpoints.

We would like to make participants aware that HSBC will implement a maintenance release during this window. Outage is expected and some disruption to services may be experienced.

This release will apply to all HSBC Brands (HSBC Personal, first direct, M&S Bank, HSBC Business, HSBC Kinetic, HSBCnet, HSBC Innovation Banking).

We would like to make participants aware that M&S Bank will implement a maintenance release during this window. Outage is expected and some disruption to services may be experienced.

We are expecting no more than 5 minutes of downtime with the period of 07:00 - 08:00 on the 4th August.

We apologise for any inconvenience this may cause.

Barclays will be completing maintenance on 04/08/2024 between 01:00 and 09:00 impacting payments. Apologies for any inconvenience this may cause

In order to complete required maintenance our SME Open Banking service will be unavailable from 22:15 Saturday 3 August 2024 until 05:00 Sunday 4th August 2024Thanks for your supportDigital Operations Team

During the internal maintenance changes from 21:00 on the 03rd to 07:00 on the 04th of August, Santander may experience disruptions in connectivity. we are not expecting a full outage.
 
We apologise for any inconvenience this may cause.

Thanks.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

We would like to make participants aware that HSBC will implement a maintenance release during this window. Outage is expected and some disruption to services may be experienced.

This release will apply to HSBCnet and HSBC Innovation Banking only.

Virgin Money would like to notify the ecosystem that we are undertaking routine maintenance and the stand alone API services for personal and SME savings and current accounts hosted on https://api.prod.ob.virginmoney.com/ will be unavailable to TPPs between 04:00 and 07:00 BST on 03rd August 2024. 

This outage will also impact our direct personal and SME savings and current account customer channel.  Credit Card accounts will not be impacted.  

We apologise for any inconvenience caused. 

During the internal maintenance changes from 21:00 on the 02nd to 07:00 on the 03rd of August, Santander may experience disruptions in connectivity. we are not expecting a full outage.
 
We apologise for any inconvenience this may cause.

Thanks.

Please be advised, there will be an outage to the Cumberland's Open Banking services on Tuesday 30th July.
This will be during scheduled maintenance between the hours of 00:30 and 03:30

Virgin Money would like to notify the ecosystem that we are undertaking routine maintenance and new consents will be unavailable for credit card accounts hosted on the stand alone APIs https://api.prod.ob.virginmoney.com/ between 22:00 BST 29th and 01:00 BST 30th July 2024. Existing consents will not be impacted.

This outage will also impact the credit card app, but personal and SME current and savings accounts will not be impacted.

We apologise for any inconvenience caused. 

Virgin Money would like to notify the ecosystem that we are undertaking routine maintenance and our Sandbox environment will be unavailable between 06:00 - 08:00 BST on 29th July 2024.

We apologise for any inconvenience caused.

Due to scheduled maintenance Open Banking will not be available between 20:00 - 23:00 GMT 28 July 2024. You might face some discrepancy while accessing OB Platform.

Sorry for the inconvenience caused.

Cynergy Bank

Due to essential maintenance, Santander may experience service disruption on Sunday, July 28th, from 01:30 to 05:30.

A full outage is not expected.

On Saturday 27th and Sunday 28th May, we will be undertaking scheduled maintenance between approximately 22:00 Saturday and 17:30 Sunday.

There will be a period of circa five minutes where our Open Banking consent authorisation service will be unavailable, which will prevent the following consents from being created:

PIS - Consents for immediate, scheduled and standing order payments. AIS - New consents for account connections. VRP - New consents cannot be created, but payment initiation under an existing consent will be available
We apologise for any inconvenience caused.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

*PLEASE NOTE WE EXPECT MINIMAL TO NO DOWNTIME

This is a swing from one mainframe environment to another in order to be able to perform maintenance tasks. It is important to note - the swing happens every weekend, hence this will be recurring planned service degradation. Of course, this is not the way we want to keep it, however since it is related to very core, mainframe systems, the fixes will not come that easily. Apologies in advance for any inconveniences caused

We are expecting no more than 5 minutes of downtime within the period of 04:00 - 08:00.

We apologise for any inconvenience this may cause.

Barclays will be completing essential maintenance between 02:00 and 05:00 on 27/07/2024 due to intermittent issues seen with group payments observed since 25/07/2024. This is specifically applicable to corporate clients. Apologies for any inconvenience this may cause

LBG would like to advise that we are undertaking planned maintenance on 26th July at 20:00 till 16:00 on 27th July. This consists of database patching which may cause some disruption to our Open Banking service infrequently between the mentioned timeframes.

LBG would like to advise that we are undertaking planned maintenance on 26th July at 20:00 till 16:00 on 27th July. This consists of database patching which may cause some disruption to our Open Banking service infrequently between the mentioned timeframes.

LBG (Halifax and Bank of Scotland) would like to advise that we are undertaking planned maintenance on 26th July at 20:00 till 16:00 on 27th July. This consists of database patching which may cause some disruption to our Open Banking service infrequently between the mentioned timeframes.

We are aware of an issue currently impacting a small number of domestic payment journeys for customers using NatWest, RBS and Ulster Bank NI APIs. The issue is resulting in a small number of payments being rejected.
 
Our engineers are currently investigating this issue to ascertain root cause and resolve.

LBG would like to advise that due to planned maintenance of a Core Banking System, the ability to make payments for some customers will be impacted on 26th July 2024 between 03:00 and 04:00. In addition, this change will cause disruption to our Account Information Services. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

LBG (Halifax and Bank of Scotland) would like to advise that due to planned maintenance of a Core Banking System, the ability to make payments for some customers will be impacted on 26th July 2024 between 03:00 and 04:00. In addition, this change will cause disruption to our Account Information Services. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

TSB will be preforming essential maintenance activity on 26th July 2024 between midnight till 05:00 AM.

Apologies for any inconvenience caused.

Virgin Money would like to notify the ecosystem that we are undertaking routine maintenance between 20:00 - 23:00 BST on 25th July 2024. As a result, TPPs may experience potential service unavailability or degradation of service on the stand-alone API services for all accounts hosted on https://api.prod.ob.virginmoney.com/ throughout this period.

We apologise for any inconvenience caused.

Planned downtime due to maintenance, impacting all Cater Allen Open Banking APIs.

On Wednesday 24th and Thursday 25th July we will be undertaking scheduled maintenance between 18:30 and 08:00.

During this period, Nationwide APIs will be available as normal. However, some requests may fail. There will be a period from approximately 03:00 to 05:00 where payment requests will be queued, however all requests will be processed.

Due to essential maintenance our API will be unavailable today at 4:30PM - 5:30PM.

We apologise for any inconvenience caused.

In order to maintain our application we require to take down our Retail Open Banking services from 24 July 2024 at 14:00 until 24 July 2024 at 15:30.

Thanks for your ongoing support and consideration.
Regards
Digital Operations.

LBG would like to advise that due to planned maintenance of a Core Banking System, the ability to make payments for some customers will be impacted on 24th July 2024 between 03:00 and 04:00. In addition, this change will cause disruption to our Account Information Services. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

LBG (Halifax) would like to advise that due to planned maintenance of a Core Banking System, the ability to make payments for some customers will be impacted on 24th July 2024 between 03:00 and 04:00. In addition, this change will cause disruption to our Account Information Services. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

During this window, the Capital One Mobile Application will be unavailable due to essential maintenance. The Capital One Open Banking API endpoints and Online Banking Platform will remain available but Customer Registrations will not happen as mobile customers won't be able to log in.

Internal system malfunction (downtime) caused an impact on Open Bank services
ASPSP: Danske Bank
Start Date and Time (GMT): 22/07/2024 23:58:59
End Date and Time (GMT): 23/07/2024 01:56:44

AIB UK is currently experiencing a network connectivity issue which is causing disruption for Corporate Banking customers in AIB NI and Allied Irish Bank GB. The ability to create new Open Banking consents are impacted along with existing consents. This issue has been ongoing since Tuesday morning 23rd July. There is no impact for personal banking customers.
We are currently working to resolve this issue and apologise for any inconvenience caused.

The planned change scheduled for 21/07 did not take place. Part of the change which was due to take place is now taking place from midnight to 00.40 on 23 July. Some customers and TPPs may experience a slight degradation in service during this time.

Tesco Bank would like to advise that there will be disruption to our Open Banking APIs between 11pm on 22 July and 5am BST on 23 July due to planned maintenance.  
During this time may be disruption to our APIs for our Credit Card products. Additionally, customers will be unable to authorise consents for any products. No alternative access methods will be available, and transactions will not be queued. 

Internal system malfunction (downtime) caused an impact on Open Bank services
ASPSP: Danske Bank
Start Date and Time (GMT): 22/07/2024 21:50:17
End Date and Time (GMT): 22/07/2024 23:57:20

Virgin Money would like to notify the ecosystem that we are undertaking routine maintenance and the stand alone API services for personal and SME savings and current accounts hosted on https://api.prod.ob.virginmoney.com/ will be unavailable to TPPs between 20:00 BST on 22nd and 22:00 BST on 23rd July 2024. 

This outage will also impact our direct personal and SME savings and current account customer channel.  The Credit Card app will not be impacted.  

We apologise for any inconvenience caused. 

We need to carry out some maintenance on our network which will require an outage to our Open banking system. We expect to have service fully restored in 1hour

Planned resiliency testing may have low impact on our API's for no more than 1 hour

On Sunday 21st and Monday 22nd July we will be undertaking scheduled maintenance between 20:00 and 06:00.

During this period Nationwide APIs will be available as normal but some requests may fail. 

Creation will be doing maintenance during this time which will affect the API intermittently.

BOI will be carrying out maintenance which may impact some customers using our digital channels and TPPs making API calls.

LBG would like to advise that due to planned maintenance of a Core Banking System, customers may be impacted when making payments on 21st July 2024, this is set to be between 02:00 till 03:00, this may extend to 04:00 if backout is required. In addition, this change will cause disruption to our Account Information Services. This is not expected to be a full outage as datasets will still be returned if AIS services are called, however customer's real-time data will not be available. The data available will only be those transactions posted up until the outage window. On completion, all transactions posted during this outage period will be available when AIS endpoints are called.

We would like to make participants aware that Foreign Currency Accounts will not be available during this window. 

This will apply to HSBC Personal, HSBC Business, first direct, HSBCnet and HSBC Innovation Banking.

*PLEASE NOTE WE EXPECT MINIMAL TO NO DOWNTIME

This is a swing from one mainframe environment to another in order to be able to perform maintenance tasks. It is important to note - the swing happens every weekend, hence this will be recurring planned service degradation. Of course, this is not the way we want to keep it, however since it is related to very core, mainframe systems, the fixes will not come that easily. Apologies in advance for any inconveniences caused

We would like to make participants aware that HSBC will implement a maintenance release during this window. Outage is expected and some disruption to services may be experienced.

This release will apply to HSBCnet and HSBC Innovation Banking only.

On Friday 19th July we will be undertaking scheduled maintenance between 04:30 and 05:00.

During this period Nationwide APIs will be available as normal but some requests may fail. 

LBG would like to advise that we are undertaking planned maintenance on 18th July 2024 between 12:00 - 12:40. This consists of an infrastructure change that may impact our Open Data endpoints. 

LBG (Halifax and Bank of Scotland) would like to advise that we are undertaking planned maintenance on 18th July 2024 between 12:00 - 12:40. This consists of an infrastructure change that may impact our Open Data endpoints. 

We would like to make participants aware that HSBC will implement a maintenance release during this window. No outage is expected but some disruption to services may be experienced.

This release will apply to all HSBC Brands (HSBC Personal, first direct, M&S Bank, HSBC Business, HSBC Kinetic, HSBCnet, HSBC Innovation Banking).