API
Connectivity
Embed banking services directly into your enterprise architecture. Our secure, real-time APIs enable automated execution, operational efficiency and scalable treasury operations.
The service will be available in the APAC region from April 2026 and will subsequently be rolled out sequentially in other countries.
Please stay tuned.
Why APIs matter – From portal dependency to embedded banking
Traditional banking workflows rely on portals and manual processes. As organizations scale across regions and entities, these models create friction — slowing decisions, reducing operational efficiency as well as limiting optimal automation and digitalization. APIs transform banking into real-time direct corporate-to-bank connectivity. Business events trigger financial actions automatically, enabling real-time responsiveness, consistent control and scalable execution.
Integrated API capabilities
SMBC Connect delivers a secure and scalable API framework designed to integrate directly with corporate Enterprise Resource Planning (ERP) / Treasury Management System (TMS) system environments. Additionally, built on industry-standard messaging formats and secure encryption protocols, our APIs are designed for controlled, compliant in a scalable integration.
Our API architecture is designed for flexibility, scalability and seamless ecosystem integration. Real-time connectivity enables direct request/response communication between systems, while event-driven processing allows transactions and status updates to be triggered automatically based on business activity. Data exchange is standardized and modular, built on structured and encrypted payload formats that support consistency and interoperability. API Sandbox enable developers to test, iterate, and onboard faster with a secure, risk-free sandbox environment. Its extensible connectivity model enables integration not only with internal platforms but also with external partners, platforms and fintech ecosystems.