OCBC has built a distinctive SME franchise in Hong Kong by combining digital innovation, regional connectivity and customer-focused initiatives that address the evolving needs of growing businesses.
At a time when SMEs are navigating tighter cashflow cycles, increasing digitalisation and greater cross-border activity, the bank has focused on making banking faster, simpler and more accessible, while providing practical support for expansion across Asia.
Based on its One Group strategy and Singapore/Hong Kong twin-hub approach, OCBC gives SMEs access to integrated banking capabilities across Asean and Greater China through a single relationship and platform.
In 2025, the bank delivered tangible improvements to its digital services. AI-driven KYC enabled same-day business account opening, while an enhanced onboarding framework for Mainland Chinese SMEs drove a triple-digit increase in foreign business account openings.
Security was strengthened through advanced liveness detection and deepfake-prevention technology, helping the bank maintain zero fraud cases in its emerging business portfolio. OCBC also enhanced its digital banking and FX capabilities, reinforcing a faster and more intuitive banking experience.
Beyond digitalisation, OCBC expanded support for SMEs through initiatives tailored to different stages of business growth. Women Unlimited provided financing, advisory support and networking opportunities for women entrepreneurs, while its first-to-market Serial Entrepreneur programme offers tailored banking and financing solutions for founders managing multiple ventures. The bank also broadened support for SMEs pursuing sustainability goals through financing, advisory services and practical assessment tools.
By combining digital innovation, distinctive initiatives and regional reach, OCBC has established itself as a go-to partner for Hong Kong SMEs seeking to build resilience, capture growth opportunities and expand across Asia.
