The TSUBASA Project and the Advancement of Financial Systems
First written in FY2016. 7 of 8 entries say "Advanced", first in FY2017. Latest entry: FY2025.
5 other companies' latest entry also says "Advanced".
- FY2025AdvancedAnnual report
「We introduced the TSUBASA Smile tablet for counter services to improve customer convenience and make branch operations more efficient.」
The TSUBASA initiative took concrete form through tablet-based counter procedures, acceptance of applications for new account openings and other services, and paperless operations. - FY2023AdvancedAnnual report
「In January 2023, joint operation of the TSUBASA core banking system was completed, enabling further administrative efficiency gains, lower system costs and the construction of a system capable of stable long-term operation.」
Joint operation of the TSUBASA core banking system was completed in January 2023, moving the initiative from the preparation stage to live operation. The alliance also launched D&I initiatives and a cross-mentor program. - FY2022AdvancedAnnual report
「To further improve the efficiency and sophistication of collaborative initiatives, we established TSUBASA Alliance Co., Ltd. through joint investment in July 2020 and established the Business Strategy Department in October 2021 as a new organization following the AML (Anti-Money-Laundering) Center. We are preparing to move to a shared TSUBASA core banking system in order to reduce future system costs and improve administrative efficiency, and are making thorough preparations for a smooth transition.」
For the TSUBASA Alliance, with 10 participating banks, initiatives progressed to the establishment of a jointly funded company, the creation of a Business Strategy Department, plans for joint DX and human-capital development, and preparations for sharing the core banking system scheduled for January 2023. - FY2020AdvancedAnnual report
「We are strengthening collaboration through the TSUBASA Alliance, the largest-scale regional-bank alliance, advancing improvements to financial services by leveraging economies of scale, the creation of new businesses, and efficiency gains through the joint performance of operations. We are also steadily progressing with the joint development of the TSUBASA core banking system to reduce future system costs and improve administrative efficiency.」
The TSUBASA Alliance expanded into a broad-based collaboration with 10 participating banks and progressed to an M&A platform, app services, joint operations and a shared core banking system. - FY2019AdvancedAnnual report
「Using this platform, we began in April 2018 to link with services including an automatic household-ledger app and an automatic goal-based savings app. In February 2019, we also launched the Hokuyo Bank Passbook app, which allows users to view account balances and transaction details in real time. As part of our initiatives toward cashless payments, we began a pilot project in January 2019 enabling instant payments from accounts by scanning QR codes, and in April 2019 launched an account-linkage service with J-Coin Pay, provided by Mizuho Bank, Ltd.」
Use of the TSUBASA common platform progressed to a passbook app, a pilot project for instant QR-code payments, and account linkage with J-Coin Pay. - FY2018AdvancedAnnual report
「Together with the member banks of the TSUBASA Alliance, T&I Innovation Center Co., Ltd. and IBM Japan, Ltd., we developed the TSUBASA FinTech common platform supporting open APIs. In April 2018, we began offering applications including Money Forward for North Pacific Bank, a service that automatically creates a household ledger from account deposit and withdrawal histories, and finbee, a service that automatically makes savings contributions according to the user's objectives.」
The TSUBASA initiative progressed from development of a common platform to the launch of open-API-enabled applications. - FY2017AdvancedAnnual report
「We established T&I Innovation Center Co., Ltd., a jointly funded company owned by the member banks of the TSUBASA Financial System Advancement Alliance and IBM Japan, Ltd. The company plans and develops financial services using fintech, among other activities. The member banks and T&I have also jointly launched a project to use artificial intelligence technology.」
The TSUBASA initiative progressed to the establishment of a jointly funded company and the launch of an AI-utilization project, and a fintech business contest was also held. - FY2016First statedAnnual report
「We aim to give concrete form to initiatives such as the use of artificial intelligence and mobile technology in order to address fintech, financial services made possible by IT technology.」
We joined the TSUBASA Project in 2015 and the Financial System Advancement Alliance in 2016. Joint research on core banking systems, new products, business matching, and the use of AI and mobile technology are the alliance's areas of collaboration.