Press Release

April 1, 2025
SBI Sumishin Net Bank, Ltd.
Dayta Consulting Co., Ltd.
Happiness Planet, Ltd.

SBI Sumishin Net Bank Signs Capital and Business Alliance Agreement with Happiness Planet
~SBI Sumishin Net Bank× Dayta Consulting× Happiness Planet Aiming to provide AI agents that utilize cutting-edge generative AI technology~

SBI Sumishin Net Bank, Ltd. (Head Office: Minato-ku,Tokyo; President & CEO: Noriaki Maruyama; henceforth referred to as “SSNB”) and Happiness Planet, Ltd. (Headquarters: Kokubunji City, Tokyo, President & CEO: Kazuo Yano, hereinafter referred to as "Happiness Planet") and announced that they have entered into a capital alliance agreement with the aim of providing next-generation services in the financial field using generative AI technology.

In connection with this capital alliance, SSNB, Dayta Consulting Co., Ltd. (Headquarters: Minato-ku, Tokyo, President: Tomoyuki Naomi, subsidiary of SSNB, hereinafter referred to as "Dayta Consulting") and Happiness Planet have entered into a business alliance agreement. We aim to provide next-generation financial services that utilize generative AI.

Logos of each company

Background and Purpose of the Capital and Business Alliance

In recent years, as the use of digital technology has progressed rapidly in the financial industry, the use of AI technology has become indispensable to improve customer experience and operational efficiency.

Against this backdrop, SSNB was one of the first to make full use of cutting-edge technology to provide customers with high-quality financial services that combine convenience and security as a digital bank。 Its subsidiary, Dayta Consulting, provides financial institutions with "AI screening services" such as mortgage loans and transaction lending using cutting-edge AI technology, and supports business promotion through AI technology.

Happiness Planet aims to create a new industry that aims to improve well-being through technology that utilizes generative AI based on 20 years of data and human sciences, with the goal of "increasing the total amount of happiness in the world through data and technology."

With a view to providing services to various operating companies, including financial institutions, the three companies will start developing AI agents by leveraging their knowledge of cutting-edge technologies, including generative AI technology, and their business development capabilities.

Future Initiatives

Through this alliance, we plan to utilize Happiness Planet's innovative proprietary generative AI technology to promote the sophistication and efficiency of SSNB's service development and various operations, verify its effectiveness, and provide services developed based on its achievements to financial institutions and various operating companies through Dayta Consulting.

Details about this service will be announced as soon as they are decided.

Comments from each company

【SSNB, President and CEO: Noriaki Maruyama】
"Generative AI technology is an innovation that will dramatically change everything. In an era where the success or failure of a company depends not only on improving the efficiency of internal operations but also on how it is used for products and services for customers, I am very pleased that we have reached an agreement on a capital and business alliance with Happiness Planet, led by Dr. Yano, a leading expert in generative AI. In the future, we are confident that the three companies will be able to contribute to the development of society by sharing various ideas and creating innovative AI agent services."

【Happiness Planet President Kazuo Yano】
"Generative AI is a revolution that will shake up all assumptions in society. Through this capital alliance with SSNB and the business alliance of the three companies, including Dayta Consulting, we are excited to be able to combine the knowledge and business development capabilities of each company in the financial field with our unique AI agent technology, and to expand the possibilities of social innovation through business beyond technological innovation. I am confident that we will be able to combine the diverse capabilities of the three companies to realize innovative AI services for a happy society."

Company Profile

Overview of SSNB

Overview of Dayta Consulting

Overview of Happiness Planet

About SBI Sumishin Net Bank

SBI Sumishin Net Bank (“SSNB”) is an online bank that was founded in 2007 and became the first Japanese internet bank to be listed on the Tokyo Stock Exchange Standard Market in March 2023. By leveraging the most advanced technology solutions, SSNB offers safe, secure and convenient banking experience to its customers.

In the digital bank business, SSNB has now over 7 million customer accounts with over 9 trillion yen (*1) in deposits. It consistently ranks high in customer satisfaction by recognizing individual needs of different lifestyles and life stages as well as by offering a well-designed user interface and experience.

Its mortgage business, which has built on a unique business model, is the largest among Japanese banks in terms of the amount of newly originated mortgage loans (*2).

SSNB’s NEOBANK® is a full-service BaaS (banking as a service) product offering that enables its brand partners to offer a full range of banking services to their customers. As a pioneer in the sector, it boasts a number of BaaS partnerships with Japan’s leading brands and businesses.

SSNB is vigorously engaged in non-financial activities as well including data initiatives and carbon credit trading in an endeavor to balance business growth with social responsibility.

Moving forward, SSNB will remain committed to embracing corporate social responsibility and sustainable growth as a fintech that goes beyond banking services to realize a society where prosperity and abundance circulate driven by the power of technology and a spirit of fairness.
To learn more about SBI Sumishin Net Bank, please visit: www.netbk.co.jp/contents/company/en/

(*1) The number of deposit accounts is as of February 7, 2024, and the balance of deposits is as of December 11, 2023.
(*2) This statement is base on our research as of March 31, 2023, using data disclosed by multiple domestic banks including Resona Holdings, Sumitomo Mitsui Financial Group, Sumitomo Mitsui Trust Holdings, and Mizuho Financial Group, as well as our own.
(*3) NEOBANK® is a registered trademark of SBI Sumishin Net Bank. The Registered trademark number is 5953666.

Contact

For further information about this press release, please contact:
SBI Sumishin Net Bank, Public Relations
ir_csr_sdgs@netbk.co.jp

Note: This content has been translated from the Japanese original using artificial intelligence (AI) or machine translation technology for reference purposes only.
In the event of any discrepancy between this translated document and the Japanese original, the original shall prevail.

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