CDS Gateway
Exclusively designed for financial institutions, our solution suite streamlines workflows and delivers critical data consultancy. We tailor strategies to guide a seamless transition and integration into the Credit Data Smart ecosystem.
Access credit data from TransUnion and PingAn OneConnect through a single, secure API.
Unified Workflow
Simplify the complexity of connecting to multiple credit agencies.
One-Stop Request
Send a single standard API request. We abstract the complexity of communicating with multiple CRAs.
Smart Routing
Intelligent gateway routes requests to the optimal CRA based on availability and cost logic.
Normalized Insight
Receive a standardized, merged credit report format, ready for immediate decisioning.
Core Product Features
A complete suite of tools designed for the modern MCRA ecosystem, delivering automation, security, and insight.
Automated Data Submission
- Multi-Channel Upload: Portal, API, or automated SFTP.
- Built-in Transformer: Dedicated CSV to TUDF converter for legacy systems.
- Validation: Real-time rejection handling and history.
Credit Report Enquiry
- High Volume: Single & Batch Requests.
- SLA Guaranteed: Single ~5 mins, Batch < 2 business days.
- Footprint Sync: Broadcasting enquiry info to all selected CRAs.
PMDS Module
Streamlines mortgage count enquiries requiring prescribed consent.
Advanced Automation
Spring Scheduler for precise control over jobs and file scans.
Reporting & Compliance
Readable previews for D1001/M1001 stats & DCR 30-day alerts.
Enterprise Security & Access Control
Why Choose Our Gateway?
The preferred choice for seamless Credit Data Smart integration.
Seamless CDS Compliance
Ensures regulatory standards integration without additional hassle.
No Software Development Needed
Saves time and cost with a pre-existing, ready-to-use system.
Flexible Data Upload Options
Supports various methods like portal and TUDF uploads, enhancing data submission efficiency.
Trusted by Multiple Banks
Proven reliability and efficiency in successful bank implementations.
User-Friendly Interface
Simplifies operations with an intuitive portal, easy for all users.
Ongoing Support
Adapts to changing CRP requirements, providing continuous compliance support.
Essential "Credit Data Smart" insights
Common questions about the MCRA model and our Gateway solution.
?What is "CDS" / "信資通"?
"信資通" (Credit Data Smart) is Hong Kong's new credit information sharing framework. It enables participating banks and finance companies to upload data to the Credit Reference Platform (CRP), allowing consumers to obtain reports from TransUnion and two other new agencies for greater transparency and security.
?Who Needs Cash Direct CDS Gateway?
Ideal for Approved Members (banks, money lenders) who need to connect to the CRP. Our solution is perfect for:
- Institutions needing reliable CRP connectivity.
- New entrants requiring a turnkey, compliant solution.
- Smaller lenders lacking large IT teams.
?What are the Core Functions supported?
We support all key "信資通" workflows securely:
- ● Initial Data Load & Bulk Upload
- ● Credit Report Inquiry & Retrieval
- ● Data Correction & Amendment
?What are the Deployment Options?
Ready for Credit Data Smart?
Join the leading virtual banks and lenders using our CDS Gateway.
For technical consultation: [email protected]
Enterprise-grade security · 99.99% Uptime · Dedicated Expert Support