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  ============================
  Extract eStatements, RTGS Confirmations & Balances Before PIB Switch-Off
  ----------------------------
  
  INTRODUCTION
  --------------------
  
  With HSBC Bangladesh winding down its retail and International Wealth and
  Premier Banking operations, time-sensitive data extraction has become a
  critical priority for customers, businesses, and developers alike. The
  Personal Internet Banking (PIB) platform — which powers the HSBC Bangladesh
  mobile app — is scheduled to switch off on 4 December 2025, making any
  integration build a race against a hard deadline.
  
  OpenBanking Studio's HSBC Bangladesh API integration service addresses this
  window directly. Rather than building a long-running data feed, the service
  is structured as a clean, signed-off bulk extraction: pulling eStatement PDFs,
  BEFTN and RTGS payment confirmations, account balances, transfer histories, and
  bill-payment records before the cutoff — then handing over a closed, regulator-
  friendly archive that survives long after PIB goes dark.
  
  The integration operates on the basis of customer-consented PIB sessions,
  using the same hard-token plus 6-digit PIN authentication that account holders
  use today. No new agreement with HSBC is required. The build targets the
  December 2025 deadline as its primary constraint, and every delivery component
  — the OpenAPI description, the runnable Python extraction scripts, the pytest
  suite, and the compliance note — is sized around completing the bulk pull and
  sign-off before that date.
  
  For businesses migrating to a successor bank, treasuries reconciling RTGS legs,
  or customers who simply want a clean record of their HSBC Bangladesh
  relationship, this integration provides a structured, verified, and documented
  path to preserving twelve months of financial history before the PIB endpoint
  disappears permanently.
  
  ============================
  
  SUPPORTED API FEATURES
  --------------------
  
  The HSBC Bangladesh integration targets the data surfaces available through
  PIB and the mobile app companion. Below is an overview of the key capabilities
  supported during the extraction window:
  
  • Account Balance Extraction
  Real-time and snapshot-based balance retrieval from the "accounts at
  a glance" home tile, suitable for treasury feeds and low-balance
  alerts ahead of the wind-down cutoff.
  
  • eStatement Archive Download
  Bulk authenticated download of up to twelve monthly PDF eStatements
  per account from the PIB eStatement inbox, with SHA-256 hash
  verification against the bank's own listing to ensure file integrity.
  
  • BEFTN & BD-RTGS Confirmation Pull
  Extraction of interbank fund transfer records across both the BEFTN
  (Bangladesh Electronic Funds Transfer Network) and BD-RTGS rails,
  including the finer settlement timestamps introduced by the
  25 February 2025 BD-RTGS upgrade for transfers above BDT 1,00,000.
  
  • Transfer History Retrieval
  Per-transaction, timestamped retrieval of fund transfer records from
  both HSBC-to-HSBC and interbank flows, normalized for reconciliation
  against external GL or ERP systems.
  
  • Bill-Payment Record Export
  Access to historical bill-payment records from the PIB Pay Bills
  surface, biller-coded and ready for vendor reconciliation and
  utility ledger builds.
  
  • Device and Security Log Access
  Retrieval of the device list and last-used timestamps from the
  "manage devices and security settings" surface, useful for building
  an audit trail in the compliance file.
  
  ============================
  
  USE CASES & APPLICATIONS
  --------------------
  
  The HSBC Bangladesh integration is built for a specific, time-bounded window,
  and the use cases it serves reflect that constraint. The five primary
  applications of the service are:
  
  [1] PRE-CUTOFF ARCHIVE BUILD
  ------------
  For retail customers and SMEs who need a verified, closed record of their
  HSBC Bangladesh relationship before PIB switches off:
  
  • Bulk download of all twelve monthly eStatement PDFs per account
  • SHA-256 hash verification against the bank's own inbox listing
  • Per-account ledger CSV built from transaction pages inside each PDF
  • Signed RTGS and BEFTN confirmation records stored as a closed archive
  • Compliance and data-retention note documenting what was captured
  
  [2] BANK MIGRATION ASSIST
  ------------
  For customers moving to a successor institution — Standard Chartered,
  Brac Bank, City Bank, or HSBC Corporate and Institutional rails:
  
  • Data normalized into the import shape of the receiving bank's system
  • Biller codes and counterparty names standardized to prevent
  "unknown payee" entries in the successor app
  • Balance and transaction history formatted for direct ERP or
  accounting software import
  • Support for SC Mobile Bangladesh, Astha (Brac Bank), and
  Citytouch as common migration targets
  
  [3] TREASURY RECONCILIATION SNAPSHOT
  ------------
  For businesses that ran receipts through HSBC Bangladesh PIB and need a
  settlement-confirmed view of payment activity across the wind-down window:
  
  • Every RTGS leg above BDT 1,00,000 captured with settlement timestamp
  • BD-RTGS customer credit confirmation events used as authoritative
  match keys, replacing unreliable next-day BEFTN posting timestamps
  • Output formatted for SAP, Oracle, or Xero feed import
  • Full reconciliation across the BEFTN and BD-RTGS rails
  
  [4] MULTI-BANK UNIFIED INTEGRATION
  ------------
  For organizations whose Bangladesh financial footprint spans HSBC and one
  or more local MFS or bank apps alongside it:
  
  • HSBC Bangladesh extraction combined with bKash wallet history
  (approximately 39.9% of local MFS market share)
  • Nagad (approximately 18.1% share) and Rocket DBBL (approximately
  11.7% share) transaction feeds normalized to a common schema
  • Nexus Pay (Dutch-Bangla Bank), EBL Skybanking, MTB Smart Banking,
  and Dhaka Bank Go supported as secondary integration targets
  • Single unified ledger across all Bangladesh payment surfaces
  
  [5] COMPLIANCE AND AUDIT TRAIL DELIVERY
  ------------
  For regulated entities that need documented evidence of the extraction
  process and the data held from a closed banking relationship:
  
  • Protocol and auth-flow report covering PIN plus hard-token chain
  • OTP handling and session lifetime documentation for the PIB surface
  • Logged extraction trail specifying what was accessed and when
  • Data-minimization record confirming credential and session cleanup
  • Written consent-scope letter covering accounts, date ranges, and
  surfaces in play
  
  ============================
  
  BENEFITS & ADVANTAGES
  --------------------
  
  ✓ Hard-Deadline Sizing
  The entire build — extraction, integrity check, and customer sign-off —
  is structured to complete before the 4 December 2025 PIB switch-off,
  with a short bench window held after delivery to absorb any late-stage
  endpoint changes as HSBC trims features during the wind-down.
  
  ✓ Verified File Integrity
  Every eStatement PDF downloaded from the PIB inbox is verified by
  SHA-256 hash against the bank's own listing before being written to
  the output archive, ensuring no file is silently corrupted or incomplete.
  
  ✓ BD-RTGS 2025 Upgrade Awareness
  The integration uses the customer credit confirmation event added in
  the 25 February 2025 BD-RTGS refresh as the authoritative settlement
  timestamp for above-floor transfers — not the less reliable next-day
  BEFTN posting date.
  
  ✓ Consented, Documented, Auditable
  All extraction is performed on the basis of the customer's own PIB
  session authorization, with a written consent letter, a logged
  extraction trail, and credentials held only for the duration of the
  active pull — no persistent credential storage.
  
  ✓ Runnable, Auditable Deliverables
  The delivery includes an OpenAPI 3.1 description written from live
  traffic, runnable Python source in sync and asyncio variants, a pytest
  suite with VCR cassettes, and golden files for the ledger CSV — so your
  team can re-run or audit the extraction without the integration vendor.
  
  ✓ No New HSBC Agreement Required
  The service operates on consented customer access to existing PIB
  surfaces, with no dependency on a new commercial arrangement with HSBC
  during its retail wind-down — the most dependable basis available under
  Bangladesh's current open-banking framework.
  
  ✓ Bangladesh Ecosystem Breadth
  The same consented-access methodology extends to bKash, Nagad, Rocket
  DBBL, Nexus Pay, Astha (Brac Bank), SC Mobile Bangladesh, EBL
  Skybanking, Citytouch, MTB Smart Banking, and Dhaka Bank Go — covering
  the full picture of a Bangladesh-based financial footprint in one
  consistent integration approach.
  
  ============================
  
  SUBSCRIPTION PLANS
  --------------------
  
  OpenBanking Studio offers two engagement models for the HSBC Bangladesh
  integration, both calibrated to the pre-cutoff timeline:
  
  Source-Code Delivery (from $300)
  A fixed-scope delivery that includes the OpenAPI description, the
  runnable Python extraction scripts, the pytest suite with VCR
  cassettes, the protocol and auth-flow report, and the compliance
  and data-retention note. Billed once on sign-off. Typical cycle
  is one to two weeks from kick-off against a consenting account.
  Recommended for teams who want to own and re-run the extraction
  themselves after delivery.
  
  Pay-Per-Call (hosted)
  The hosted version of the same work: call OpenBanking Studio's
  endpoints, pay only for the calls you make, no upfront fee.
  Suitable for lighter-touch integrations or for organizations
  that prefer not to manage the extraction infrastructure directly.
  The same consented-access, hash-verified approach applies.
  
  Both options include the consent-scope arrangement and onboarding handled
  during a kick-off call. The build runs against a consenting account from
  there, with the consent paperwork sized to the specific accounts, date
  ranges, and data surfaces in scope for each customer.
  
  ============================
  
  CONCLUSION
  --------------------
  
  The HSBC Bangladesh PIB switch-off on 4 December 2025 is a fixed event, and
  the window for extracting twelve months of eStatements, RTGS confirmations,
  transfer histories, and bill-payment records closes with it. For retail
  customers, SMEs, and treasury teams that relied on HSBC Bangladesh PIB, the
  integration described here represents the practical, documented, and legally
  grounded path to preserving that financial history before the endpoint
  disappears permanently.
  
  The service does not depend on Bangladesh having a PSD2-equivalent open-banking
  statute — it operates on the customer's own consented PIB session, with scope
  documented, credentials minimized, and every file verified before delivery.
  What survives the December cutoff is the data already captured: signed
  eStatement PDFs, a normalized transaction ledger, and a full RTGS and BEFTN
  confirmation set stored on your side.
  
  For any organization with HSBC Bangladesh exposure — whether migrating to
  Standard Chartered, Brac Bank, or City Bank; reconciling a treasury position;
  or simply building a compliance archive before the account closes — the time
  to commission this build is now. The practical next step is the contact form
  at the link below, with the account scope and the deadline you are working to.
  
  --------------------
  
  Access the full integration guide and request a build at:
  https://openbankingstudio.com/hsbc-bangladesh.html
  
  OpenBanking Studio — authorized app interface and API delivery
  Mapping reviewed 2026-05-29 by the OpenBanking Studio integration desk.
  
  ------ị
  last updateTime: 2026-06-03 07:24:20b

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