Expansion of products for individual customers and the shift to non-face-to-face banking
First written in FY2016. 9 of 10 entries say "Advanced", first in FY2017. Latest entry: FY2026.
7 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「We have been progressively enhancing the usability and transaction functions of 「北洋銀行アプリ」, our primary digital channel. The number of users reached 570,000 as of the end of March 2026, 1.6 times the previous year's level. The app also received the highest store rating among apps provided by regional banks and won a special award, the Regional App Award, at the App Ape Award 2025.」
Non-face-to-face services for individuals advanced to include 570,000 app users, expanded functionality, web-based home loans that can be completed entirely online, and 50-year loans. - FY2025AdvancedAnnual report
「For personal loans, we extended the maximum loan term for acquiring a newly built detached house from 40 years to 50 years.」
As a measure to improve convenience for individual products, extended the maximum loan term for newly built detached-home loans from 40 years to 50 years. - FY2024AdvancedAnnual report
「We also began providing 「北洋銀行アプリ」, a personal portal app that enables customers to securely and conveniently conduct everyday banking transactions such as transfers and balance inquiries from a smartphone, and are working to enhance convenient products and services through digital technology.」
Expanded non-face-to-face services for individuals to the launch of a personal portal app supporting everyday transactions such as transfers and balance inquiries. - FY2023AdvancedAnnual report
「We are actively working to resolve environmental challenges through loans, including by beginning to offer car loans and renovation loans under the 「Zero Carbon Support Plan」, which limits the use of funds to initiatives contributing to decarbonisation.」
In addition to improving the non-face-to-face experience and convenience of personal loans, expanded into products addressing environmental challenges, such as the Zero Carbon Support Plan. - FY2022AdvancedAnnual report
「For unsecured loans, applications and contracts for core products such as car, education and renovation loans can be completed without visiting a branch, enabling customers to complete procedures at any time and improving convenience.」
Expanded non-face-to-face services for individual products to applications and contracts that do not require a branch visit for core unsecured loans such as car, education and renovation loans. Also expanded home loan products for diverse lifestyles. - FY2020AdvancedAnnual report
「For personal loans as well, we are working to improve convenience in line with customer needs, including digitising home loan agreements and expanding web-based loans that can be completed entirely online.」
Advanced the migration of products for individuals to non-face-to-face services by digitising home loan agreements and expanding web-based loans that can be completed entirely online. - FY2019AdvancedAnnual report
「For personal loans as well, we expanded the range of selectable mortgage group credit life insurance options and began offering a web-based car loan that can be completed entirely online, among other initiatives to improve customer convenience.」
Expanded the options available for individual products and launched a web-based car loan that can be completed entirely online. - FY2018AdvancedAnnual report
「For personal loans, we worked to propose products using AI-based marketing analysis and strengthened initiatives to improve customer convenience, including holding Loan Sunday consultation events.」
Used AI analysis in personal loan proposals and expanded touchpoints for individual customers, including convenience-enhancing and non-face-to-face services such as consultations held on holidays and the opening of insurance service counters. - FY2017AdvancedAnnual report
「We began providing the smartphone app 「ほっくーNAVI」. We also opened a contact centre as a new channel alongside branches, ATMs, internet banking and the website.」
Expanded products and non-face-to-face channels by renewing personal loan products, expanding financial product intermediary services, and launching a smartphone app and contact centre. - FY2016First statedAnnual report
「We began offering the 「北洋フリー＆おまとめローン（WEB完結型）」, a loan that can be applied for and contracted entirely online using a smartphone or tablet without visiting a branch, and the Hokuyo web account 「愛称：Webry（ウェブリィ）」, which allows customers to easily apply online to open an account without a passbook being issued.」
Launched products suited to individuals' life stages and convenience, including web-based loans that can be completed entirely online, web accounts and savings accounts dedicated to gifts.