地域の事業者においては人材不足などを補うために業務のデジタル化や非対面サービスの活用を行いたいという意欲はあるものの、気軽に利用可能なデジタルサービスへのシフトに苦心している現状があります。September 27, 2024
NTT DATA CORPORATION
NTT DATA, Inc. (Headquarters: Koto-ku, Tokyo; President and CEO: Hiroshi Sasaki; hereafter: NTT DATA) will begin providing the portal service “S-AGORA (Sagora) Note 1” for businesses in cooperation with the Shinkin Joint Center from 2024/10. This service aims to further strengthen the points of contact between Shinkin Bank and the businesses that are their customers by cooperating with Shinkin Chuo Bank's portal service “KYAL*2” and centrally providing various digital services. As a first user, the Osaka City Shinkin Bank (head office: Osaka-shi, Chairman: Satoshi Takahashi) is scheduled to start using it in 2024/10.
First, at Shinkin Banks, it leads to enhanced customer contact points by obtaining non-face-to-face points, improving the efficiency of store operations, and reducing costs by digitizing forms. Also, since Shinkin Bank introduces this service and provides it to businesses, businesses will be able to consult about loans via the web in addition to referring to deposit/withdrawal statements and balances in real time Note 3. Furthermore, it contributes to the promotion of digital transformation (hereafter, DX), such as making it possible to transition from paper forms to electronic forms. NTT DATA will continue to expand and expand the functions of this service in the future to support the digital shift of credit banks and businesses, and aims to expand this service to over 100 credit banks by the end of fiscal year 2029.
backgrounds
Although local businesses are motivated to digitize operations and utilize non-face-to-face services to make up for lack of human resources, etc., there is a current situation where they are struggling to shift to digital services that can be easily used.
Meanwhile, in Shinkin Banks, which are responsible for regional finance, business reforms are required in response to changes in the financial environment, social structure, etc., and rapid progress in digitalization, and strengthening points of contact with regional businesses utilizing DX is becoming essential.
In response to such issues and heightened needs, NTT DATA has developed a portal service “S-AGORA” for businesses that can provide services integrated with “K-Yale” in order for the Shinkin Bank to lead DX promotion as a DX coordinator for regional businesses. In addition to utilizing account data linked to the Shinkin Joint Center, this service is built by utilizing NTT DATA's digital service development capabilities and financial and non-financial service know-how and operation results, further promoting the digital shift of credit banks and businesses, and provides an attractive “point of contact” utilizing digital for both parties.
Overview and features
“S-AGORA” is a portal service for businesses that cooperates with “K-Yale” and the Shinkin Joint Center provided by Shinkin Chuo Bank to provide digital points of contact unique to the Shinkin business type to Shinkin banks and businesses to promote DX between them, and at the same time enhance customer communication in both digital and real terms.
Figure: Service provision image of “S-AGORA”
By introducing this service by Shinkin Banks, the following benefits will be created for Shinkin Banks and businesses.
Advantages of introducing a Shinkin Bank
- By obtaining non-face-to-face interview points with businesses, it is useful for deepening approaches to business expansion and cooperation with customers.
- At the same time as the introduction, mailing of paper forms was automatically stopped, and since it became possible to switch to electronic forms, the labor and burden involved in printing and transportation were reduced, contributing to reducing labor costs and improving productivity.
Advantages of implementing it for operators
- Since a list of deposit and loan transactions using account data can be checked in real time, it is possible to easily grasp the current state of management and finance.
- Work efficiency can be improved by converting to DX by switching from paper forms to electronic forms, etc.
- With single sign-on Note 4, a seamless service transition is possible from “K.Yale.”
- Businesses without an internet banking (IB) contract can also use this service.
Advantages of both implementations
- Loan consultations on the web will be possible regardless of time or location, and it is expected that communication between businesses and credit banks will be revitalized, and convenience for both parties will improve.
About the future
Going forward, NTT DATA will continue to expand functions to this service regardless of financial or non-financial services while utilizing advanced technology in response to the changing external environment and diversifying needs, and will support the digital shift of Shinkin Banks and businesses. We also aim to expand this service to over 100 credit banks by the end of fiscal year 2029.
notes
- Note 1 “S-AGORA” is a neologism between “S,” which is an acronym for Shinkin Bank's alphabet, and “AGORA (agora),” a “place” where businesses gather, and is read as sagora.
- Note 2 “KL” is a digital service provided by Shinkin Chuo Bank for the purpose of supporting fund management and business efficiency improvement for small and medium-sized enterprises.
- Note 3 You can select whether to use or not use the functions on S-AGORA at each Shinkin Bank.
- Note 4 “Single sign-on” is a function that allows resources on multiple systems to be used through a single user authentication process.
- “S-AGORA” is a trademark of NTT DATA CORPORATION in Japan.
- Other product names, company names, and organization names are trademarks or registered trademarks of their respective companies.
Contact information for inquiries regarding this matter
NTT DATA CORPORATION
Second Financial Business Division
Shinkin Division
Person in charge of business promotion
Nakamura, Murabayashi
TEL: 050-5546-9225