Expansion of non-face-to-face services, including online accounts and web-based loan contracts

「We are also expanding the functions of the Sagin App, adding fixed-term deposits and partial early repayment of housing loans to account opening and money transfers. We aim eventually to create an environment in which all banking transactions can be completed through the Sagin App.」

「We are also working to enhance the Sagin App so that customers can use banking services more easily, safely and securely while meeting their diverse needs arising from digitalisation. In addition to the functions available at the December 2023 revamp, including new ordinary deposit account opening, balance inquiries, transaction details and Rakuraku e-Investment Trusts, we added a money transfer function in March 2025.」

「Against this backdrop, we revamped the Sagin App in December 2023 to make banking easier, safer and more secure. At the time of the revamp, the app offered functions including new ordinary deposit account opening, balance inquiries, transaction details and Rakuraku e-Investment Trusts. By continuing to add functions, we aim eventually to enable all banking transactions to be completed through the Sagin App, substantially improving customer convenience.」

「We also introduced tablets to reduce the burden of handwritten forms, fully rolled out the Smile Up counter service system, and introduced a cloud-based FAQ service to respond promptly and courteously to customer inquiries.」

「In fiscal 2020, we began offering the Wallet+ smartphone app and the Sagin JCB Debit instant-payment cashless service to meet accelerating digitalisation and increasingly diverse customer needs.」

「In addition to the PayB bill-payment service, we began connecting customer accounts to LINE Pay, Merpay and J-Coin Pay during the fiscal year, expanding smartphone payment services. We are also preparing to introduce a branded debit card.」

「For customer channels, the Bank added a service in October 2017 to its “Online Loan Contract Service,” enabling customers to transmit identity verification documents such as a driver’s license over the internet when applying for and completing loan contracts from a computer or smartphone. In January 2018, the Bank also began offering the “Saga Bank app.”」

「In September 2016, the Bank began operating its “Loan Application System,” a service that reduces the burden of filling out loan applications and other forms by allowing bank employees to enter information obtained from customers visiting a branch into a computer, or into a tablet outside branch premises. In October 2016, the “Sagin Internet and Mobile Banking Service,” its personal internet banking service, was expanded to allow customers to apply directly online in addition to applying in writing, making applications easier than before.」

「In March 2016, the Bank introduced “Web Accounts” for internet-only transactions, and in April 2016 launched the “Online Loan Contract Service,” which allows customers to complete loan contracts without visiting a branch.」