Bancon Bank MCP Server

A comprehensive Model Context Protocol (MCP) server for Bancon Bank that demonstrates powerful banking capabilities through all three main MCP categories:

• 🔧 Banking Tools - Execute banking operations and financial calculations
• 📄 Banking Resources - Access account data, rates, and financial information
• 💬 Banking Prompts - Financial guidance and banking assistance templates

This is a proof-of-concept demonstrating how MCP servers can provide sophisticated banking capabilities to AI agents, enabling customers to manage their finances through natural conversation.

Installation

Option 1: Use with npx (Recommended)

The easiest way to use this banking MCP server is with npx:

npx leonvz-banking-mcp

Option 2: Install globally

npm install -g leonvz-banking-mcp
leonvz-banking-mcp

Option 3: Install locally

npm install leonvz-banking-mcp
npx leonvz-banking-mcp

Claude Desktop Integration

To use this banking server with Claude Desktop, add it to your configuration:

macOS: ~/Library/Application Support/Claude/claude_desktop_config.json Windows: %APPDATA%/Claude/claude_desktop_config.json

{
  "mcpServers": {
    "bancon-bank": {
      "command": "npx",
      "args": ["-y", "leonvz-banking-mcp"]
    }
  }
}

Alternatively, if you installed it globally:

{
  "mcpServers": {
    "bancon-bank": {
      "command": "leonvz-banking-mcp"
    }
  }
}

What is MCP for Banking?

The Model Context Protocol (MCP) enables AI agents to securely access and interact with banking systems. For Bancon Bank, this means customers can:

• Access real-time account data through Resources
• Execute banking operations through Tools (transfers, payments, etc.)
• Get financial guidance through Prompts (investment advice, budgeting help)

Think of MCP as a secure, standardized API that allows AI assistants to become your personal banking advisor.

Banking Capabilities

🔧 Banking Tools

Execute secure banking operations and financial calculations with real-time data updates.

Available Tools:

• get_account_balance - Check account balances for checking, savings, and credit accounts
• transfer_money - Transfer funds between accounts with full transaction logging
• get_transaction_history - Retrieve detailed transaction history with filtering
• get_interest_rates - Access current rates for deposits, loans, and investments
• calculate_loan_payment - Calculate loan payments with Bancon rate comparisons
• pay_bill - Schedule and execute bill payments with confirmation

📄 Banking Resources

Access comprehensive banking data including account information, rates, and transaction records.

Available Resources:

• bank://config/settings - Bancon Bank configuration and contact information
• customer://profile/{customerId} - Complete customer profile with account summaries
• bank://customer/details - Demo customer details (Leon van Zyl from Mossel Bay, SA)
• bank://rates/current - Real-time interest rates and exchange rates
• bank://products/catalog - Complete banking products and services catalog
• bank://transactions/{accountId} - Transaction history for specific accounts
• bank://logs/operations - Banking system operational logs

💬 Banking Prompts

Get personalized financial advice and guidance through structured banking consultations.

Available Prompts:

• financial-advice - Personalized financial advice based on goals and situation
• loan-application - Comprehensive loan application guidance and requirements
• budgeting-help - Personalized budgeting strategies and recommendations
• investment-guidance - Investment advice tailored to risk tolerance and goals
• credit-consultation - Credit improvement strategies and debt management
• banking-consultation - General banking advice and product recommendations

Quick Start with Banking Features

1. Install and Test

# Install the banking MCP server
npm install -g leonvz-banking-mcp

# Test with MCP Inspector
npx @modelcontextprotocol/inspector leonvz-banking-mcp

The MCP Inspector opens an interactive web interface where you can test all banking tools, resources, and prompts.

2. Connect to Claude Desktop

Add the banking server to your Claude Desktop configuration and restart Claude:

{
  "mcpServers": {
    "bancon-bank": {
      "command": "npx",
      "args": ["-y", "leonvz-banking-mcp"]
    }
  }
}

Banking Usage Examples

Banking Tools Examples

Try asking Claude (when connected):

• "Check my account balance for customer CUST001"
• "Transfer $500 from ACC001001 to ACC001002"
• "Show me transaction history for account ACC001001"
• "What are the current mortgage rates?"
• "Calculate monthly payment for a $25,000 auto loan at 5.5% for 60 months"
• "Pay my electric bill of $245.60 from my checking account"

Banking Resources Examples

Try asking Claude:

• "Show me Bancon Bank's operating hours and contact information"
• "Get the complete profile for customer CUST001"
• "Show me the demo customer details for Leon van Zyl"
• "What are the current CD rates?"
• "Show me all available banking products"
• "Get recent transactions for account ACC002001"

Financial Guidance Examples

Try asking Claude:

• "I want to save for retirement - give me financial advice using the financial-advice prompt"
• "Help me understand mortgage loan requirements using the loan-application prompt"
• "Create a budget for my $5,000 monthly income using the budgeting-help prompt"
• "I want to invest $10,000 for long-term growth - use the investment-guidance prompt"
• "I want to improve my credit score - use the credit-consultation prompt"

Mock Banking Data

This server includes comprehensive mock data for demonstration:

Sample Customers

• CUST001 - Alice Johnson (Premium customer with checking, savings, and credit card)
• CUST002 - Bob Smith (Standard customer with checking and savings)
• CUST003 - Charlie Brown (Student customer with student accounts)

Banking Products

• Multiple account types (checking, savings, money market, CDs)
• Various loan products (personal, auto, mortgage, home equity)
• Credit cards with different reward structures
• Investment products with competitive rates

Interest Rates

• Competitive deposit rates from 0.05% to 4.75%
• Loan rates from 4.99% to 21.99% depending on product
• Real-time exchange rates for major currencies
• Treasury and investment rates

Project Structure

banking-mcp/
├── src/
│   └── server.ts          # Main banking MCP server implementation
├── dist/                  # Compiled JavaScript output
├── mcp-data/             # Banking data directory
│   ├── config.json       # Bancon Bank configuration
│   ├── users.json        # Customer accounts and profiles
│   ├── transactions.json # Transaction history
│   ├── rates.json        # Interest rates and exchange rates
│   ├── products.json     # Banking products catalog
│   └── app.log          # Banking system logs
├── package.json
├── tsconfig.json
└── README.md

Key Banking Features

Secure Account Management

• Multi-account balance checking
• Real-time transaction tracking
• Account-to-account transfers
• Credit card and loan management

Financial Calculations

• Loan payment calculations with current rates
• Interest rate comparisons
• Budget planning assistance
• Investment return projections

Bill Payment System

• Scheduled and immediate payments
• Multiple payment categories
• Transaction confirmation and tracking
• Balance verification before payment

Comprehensive Financial Guidance

• Personalized investment advice
• Credit improvement strategies
• Budgeting and savings plans
• Loan application assistance

Why MCP for Banking?

This project demonstrates how MCP can revolutionize banking customer service:

1. Natural Interaction - Customers can ask questions in plain English
2. Real-time Data - Access to live account balances and transaction history
3. Secure Operations - All banking operations maintain proper transaction logs
4. Personalized Advice - AI can provide tailored financial guidance
5. Comprehensive Service - One interface for all banking needs

Development Setup (Optional)

If you want to contribute or modify the banking server:

1. Clone and Install Dependencies

git clone https://github.com/leonvanzyl/banking-mcp.git
cd banking-mcp
npm install

2. Build the Server

npm run build

3. Test Locally

npm run inspector

Security Note

This is a demonstration/proof-of-concept banking MCP server using mock data. In a production environment, this would require:

• Proper authentication and authorization
• Encrypted data transmission
• Compliance with banking regulations (PCI DSS, SOX, etc.)
• Real-time fraud detection
• Audit logging and monitoring
• Integration with core banking systems

Future Enhancements

Potential expansions for this banking MCP server:

• Investment Management - Portfolio tracking and rebalancing
• Credit Monitoring - Real-time credit score updates
• Fraud Alerts - Suspicious activity notifications
• Financial Planning - Long-term financial goal tracking
• Tax Integration - Tax document generation and planning
• Insurance Products - Insurance policy management

License

MIT License - See LICENSE file for details.

Bancon Bank MCP Server - Bringing the future of AI-powered banking to your conversations.