Announced details
Mortgage underwriting, personal loan underwriting, credit risk management, and setting interest rates and guarantee fees
Faster underwriting responses, reduced time required for underwriting decisions, and improved accuracy in predicting default probabilities (specific figures: not disclosed)
Mebuki Financial Group,Inc. is the first customer (number of customers and usage volume: not disclosed)
Mitsubishi Research Institute provides Mebuki Financial Group,Inc. with the AI scoring model. Mebuki Financial Group,Inc. is the model's first customer. No capital or personnel relationship is disclosed.
Head office: 2-1-1 Nihombashi Muromachi, Chuo-ku, Tokyo. Representative: President and Representative Director Akino Tetsuya (秋野哲也). Business activities: management of banks and other companies permitted to be made subsidiaries under the Banking Act, together with all related and incidental businesses. Capital: ¥117.4 billion. Established: 1 April 2008 (company name changed on 1 October 2016).
In this announcement the company addresses none of Contract Value / Offering price / Impact on Business Performance.
Prepared by Mitsubishi Research Institute
| Item | Details |
|---|---|
| Names of Products / Services Covered | AI scoring model, Underwriting AI service, Underwriting AI model |
| Counterparty | Mebuki Financial Group,Inc. |
| Counterparty overview | Head office: 2-1-1 Nihombashi Muromachi, Chuo-ku, Tokyo. Representative: President and Representative Director Akino Tetsuya (秋野哲也). Business activities: management of banks and other companies permitted to be made subsidiaries under the Banking Act, together with all related and incidental businesses. Capital: ¥117.4 billion. Established: 1 April 2008 (company name changed on 1 October 2016). |
| Relationship with the Company | Mitsubishi Research Institute provides Mebuki Financial Group,Inc. with the AI scoring model. Mebuki Financial Group,Inc. is the model's first customer. No capital or personnel relationship is disclosed. |
| Launch date | 1 April 2026 (actual) |
| Applicable area | Mortgage underwriting, personal loan underwriting, credit risk management, and setting interest rates and guarantee fees |
| Quantitative Effects | Faster underwriting responses, reduced time required for underwriting decisions, and improved accuracy in predicting default probabilities (specific figures: not disclosed) |
| Usage history | Mebuki Financial Group,Inc. is the first customer (number of customers and usage volume: not disclosed) |
| Source | Prepared by Mitsubishi Research Institute |
Items this document does not state (9)
These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.
The reasons the company gives
The company's own explanation, not something inferred from the numbers.To provide a model that reflects Mebuki Financial Group,Inc.'s lending performance data, the actual conditions of its mortgage underwriting and the characteristics of its portfolio, thereby supporting more sophisticated and efficient credit risk assessment and underwriting operations.