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Home » Hokkoku Bank “Providing financial functions to the region” Started BaaS business Provided BaaS platform to “Finswer Bank”

Hokkoku Bank “Providing financial functions to the region” Started BaaS business Provided BaaS platform to “Finswer Bank”

[Hokkoku Bank] “Providing financial functions to the region” Started BaaS business Provided BaaS platform to “Finswer Bank”
*Hokukuni Financial Holdings Co., Ltd.*
Press release: July 5, 2024
[Hokkoku Bank] “Providing financial functions to the region” Started BaaS business Provided BaaS platform to “Finswer Bank”
* Hokkoku Bank, Ltd., a member of the Hokkoku Financial Holdings Group, has partnered with Finswer Co., Ltd. to provide banking functions to f9k Co., Ltd., a subsidiary of Finswer Co., Ltd. * Hokkoku Bank, Ltd. (President: Tsuemura), a member of the Hokkoku Financial Holdings Co., Ltd. (President: Shuji Tsuemura) group Shuji) will build a BaaS infrastructure and start a BaaS business for companies in the next generation regional digital platform
construction project.
In addition, as the first step, Finswer Co., Ltd. (Location: Shibuya-ku, Tokyo, Representative Director: Ogawa
f9k Co., Ltd., a subsidiary of Finswer Co., Ltd., has partnered with Finswer Co., Ltd. to launch the online bank Finswer Co., Ltd., which is scheduled to launch at the end of 2024.
Bank (Fincer Bank)”, we provide banking functions.
A major goal for building a BaaS platform: “Providing financial functions to the region”
By allowing companies that provide services that contribute to improving customer productivity and convenience to utilize a low-cost and highly flexible platform, services and BaaS (*1) platforms can mutually promote development. We will realize innovations that solve social issues.
Our major goal in building a BaaS platform is to “provide financial functions to the region.” We believe that returning the BaaS platform, which has grown as a service used nationwide, back to the region will lead to the revitalization of the entire region.
Through this project, we hope to create new business opportunities, accumulate knowledge of advanced technologies in BaaS infrastructure construction, and continue to expand horizontally, thereby expanding and improving our technology.
First, we will use the BaaS platform for fintech companies that provide services to corporations nationwide as end users, and aim to make the platform easy for fintech companies to use by expanding its functionality and improving its services.

■Banking functions provided
・Account opening function
・Transfer function
・Inquiry function
・Authentication function
・Comprehensive transfer/salary transfer function *Scheduled to be released sequentially in 2025

(*1) BaaS (Banking as a
Service) is a system that provides banking functions via API to services operated by companies. This allows non-banking companies to offer services that incorporate banking functionality to their users. Users will be able to access financial services directly within the company’s services without having to worry about banks and enjoy a seamless customer experience.

What is “Finswer Bank”?
Bank is an online bank (*2) that provides a one-stop service to streamline tasks related to bills and expenses. By opening an account at Hokkoku Bank Fincer Branch, you can
You can use Bank.
On Finswer Bank, AI automatically reads the contents of invoices and receipts, and handles transfers and settlements.
In addition to issuing invoices that are compatible with the invoice system, you can reconcile the payments against the payment records. These documents can be stored in a manner that meets the requirements of the Electronic Bookkeeping Act by adding time stamps, etc. In addition, Finswer Bank
– Transfer fee to other banks is 90 yen/transfer, the lowest in the industry (*3)
・This is Japan’s first B2B fintech service that allows you to apply for an account online without going to a bank’s service site. (*2) f9k Co., Ltd., which provides Finswer Bank, is a financial services intermediary (Kanto Local Finance Bureau (Kinsa) No. 12) (No.) and is not a bank. Accounts opened with Finswer Bank are Hokkoku Bank Finswer Branch accounts.
(*3) Research conducted by Finswer Co., Ltd. based on materials published by each company as of July 1, 2024.
The survey was limited to major banks and internet-only banks that offer corporate accounts. Please note that fee discount programs and limited-time campaigns of each company are not included.

We are currently proceeding with the development of each function and plan to release the service at the end of 2024.
For more information about the service, please refer to the service site and download materials below.

View details

Comment from person in charge

*Kohei Ogawa, Representative Director of Finswer Co., Ltd./f9k Co., Ltd.* “We are honored to be able to offer Finswer Bank as the first operator to utilize Hokkoku Bank’s BaaS platform.
Bank is aimed at small and medium-sized enterprises and startups that have few people who can entrust accounting tasks.
A program that solves the problems of not only people in
It’s Rodact. By making full use of the banking functions provided by Hokkoku Bank, many companies
We will continue to develop services that will help businesses improve their productivity. ”
* Naotaka Terai, Managing Executive Officer, Digital Department, Hokkoku Bank, Ltd.*
“Fintech company Finswer is using our banking functions and is launching a new business in Japan.
We are very happy to announce that we will be rolling out our new online banking service for small and medium-sized businesses nationwide.
I will. Hokkoku Bank has been working to expand the entire Hokuriku region by promoting cashless and digital technology.
We have been working on innovative productivity improvements. With a startup company that shares our values
We are confident that by working together, we can powerfully expand a cashless digital society.
Masu. Hokkoku Bank will continue to support the creation of innovation not only in the region but also throughout Japan through open collaboration with entrepreneurs.

Company Profile

Company name: Hokkoku Bank, Ltd.
Address: 2-12-6 Hirooka, Kanazawa City, Ishikawa Prefecture
Representative: Shuji Tsuemura
Date of establishment: December 18, 1943
Company HP:
Company name: Finswer Co., Ltd./f9k Co., Ltd. (100% subsidiary of Finswer Co., Ltd.)
Location: 3rd floor, Ritz Gaien, 2-4-18 Jingumae, Shibuya-ku, Tokyo Representative: Kohei Ogawa
Establishment date: July 3, 2020 (f9k Co., Ltd.: December 12, 2022) Service site:
Company website:
*About details about this release*

*Download press release materials*

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