Major banks are increasingly using AI to reform corporate lending assessments, and りそな銀行 has announced plans to automate the preparation of assessment materials by the end of 2026 and significantly shorten assessment times.
Major banks in particular are increasingly using artificial intelligence (AI) to reform corporate lending assessments. By introducing AI, they aim to control the cost of assessments that have traditionally relied on manual work and improve the efficiency of decision-making.
りそな銀行 has set a target of the end of 2026 to automate with AI the preparation of materials required for lending decisions and significantly shorten the time required for assessments. The technology is also expected to be effective for startup lending, where limited track records make decisions difficult.
There is a view that the profitability of the traditional banking model, which earns money primarily through lending margins, is improving against a backdrop of rising interest rates. Banks are expected to use AI to control assessment costs that have relied on manual work and increasingly apply AI to lending decisions.