Hong Kong residents are increasingly traveling to the north for loans, with financial data from Shenzhen and Hong Kong showing that financial transactions are becoming more seamless between the two regions.

Residents of the Greater Bay Area are traveling in both directions. Following consumption, the previously predominantly "southbound" cross-border credit cases in Shenzhen and Hong Kong are now seeing more "northbound" cases. During the Hong Kong Financial Technology Cycle, a Hong Kong credit agency executive stated that there has been an increase in demand from Hong Kong residents for loans or credit card applications in the mainland. In the past, most cross-border credit cases between Shenzhen and Hong Kong were focused on "southbound" activities, such as mainland companies going overseas through Hong Kong for financing, mainland residents opening accounts in Hong Kong, etc., with the implementation mostly relying on Shenzhen's cross-border data verification platform. Banks such as WeBank, Fulinfang Bank, East Asia Bank, Industrial Bank Asia, etc. have all had successful cases.