Service
Our Digital Banking Business
By leveraging cutting-edge IT, we provide the most user-friendly digital banking services available.
Our digital banking operations began in 2007, providing a full suite of banking services such as deposits, settlements, and loans to both individual and corporate clients through the internet and mobile applications. We are constantly working to improve our services by utilizing advanced IT to become the most user-friendly digital bank available online.
We live in an era of transformation brought about by the rise of advanced technologies such as AI, big data, cloud computing, and blockchain, catalyzing significant shifts in the very nature of our society. Amidst of these changing times, we provide higher value-added services by combining cutting-edge IT with our corporate culture of creating new value that contributes to developing our customers, stakeholders, and society.
NEOBANK® - Our BaaS Business
Aiming for a world where banking functions seamlessly integrate into services and products available to people on a global scale
NEOBANK provides a BaaS platform, delivering a range of banking functions such as settlements, deposits, and loans to partner companies. Our objective is to provide new value to our partner companies and position ourselves as an indispensable "infrastructure" for our society. This goes beyond mere banking services, leveraging our unique strength of innovation, flexibility, and a swift response to change, unencumbered by conventional banking practices.
Through NEOBANK, we strive to create a world where banking functions are installed in various services and products offered by our partners and become a seamless part of our daily lives, building new value through this process.
We will realize such a world by forming strong partnerships with a variety of companies and organizations, and by providing accurate support to update services and products.
Security
Advanced technological capabilities to protect our customers' valuable assets and realize greater convenience
NEOBANK's security and convenience are backed by the advanced behind-the-scenes technology.
In terms of security, we utilize the advanced and robust system design and development capabilities of our subsidiary, NetMove Corporation. Smart Authentication NEO, a biometric authentication function, compliant with the international standard FIDO*1, supports safe and convenient transactions, while 24-hour, 365-day monitoring of transfers and an AI-based fraud detection system ensure a robust security system.
Furthermore, we pursue "user-friendliness" for our corporate clients through various technologies, including a highly accurate AI screening model and the first-ever recommendation-based transaction lending*2 for a bank. We also offer convenient functions for end-users, mainly through smartphones. This includes ATM deposits and withdrawals through an app, eliminating the need for a cash card, and user identification through a picture of the user's phone.
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*1FIDO (Fast Identity Online): A standard for online authentication technology by the FIDO Alliance, an international non-profit organization that advocates the standardization of technical specifications for new online authentication that can replace password authentication. The use of biometric and other authentication functions makes it possible to achieve both security and usability.
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*2A new form of financing in which loan terms are determined based on transaction history (transaction), such as account deposit and withdrawal information.
