Press Release

February 27, 2026
SBI Sumishin Net Bank, Ltd.

SBI Sumishin Net Bank Launches Beta Test
of “NEOBANK ai” Agent,
Japan’s First AI-Driven Banking Service with Generative UI
– A Conversational AI Agent That Creates a “Search-Free” Banking Experience –

SBI Sumishin Net Bank, Ltd. (Head Office: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; henceforth referred to as “SSNB”) has begun the phased rollout of the beta test for its new “NEOBANK ai” Agent, an AI-driven banking service that uses a generative user interface (Generative UI)(*1) to understand customer intent through natural conversation and automatically generate the most relevant screens in real time.
According to SSNB research as of February 14, 2026 (*2), this represents the first instance among Japanese banks of providing customers with access to an AI agent capable of executing banking transactions—such as fund transfers—directly within a mobile banking app.

  • ※ *1: In this release, “Generative UI” refers to a user interface that dynamically generates and displays the most relevant screens based on the user’s conversational input, in accordance with SSNB’s internal definition.
  • ※ *2: Based on SSNB’s internal research as of February 14, 2026.
NEOBANK ai Agent (Beta Version) Interface

NEOBANK ai Agent (Beta Version) Interface

Overview of the “NEOBANK ai” Agent: A Glimpse into the Future of Banking

The beta version of the NEOBANK ai Agent provides an assistant function that interprets customer intent from conversational input and automatically guides them to the appropriate information or process screens—creating a truly “search-free” user experience.
This service fundamentally transforms the traditional model of navigating menus to locate functions. Even users unfamiliar with app operations can access necessary information simply by speaking or chatting naturally, enabling intuitive, seamless completion of everyday transactions and procedures.

Key Features of the NEOBANK ai Agent (Beta Version)

1. Conversational Fund Transfer Support

The AI agent enables an intuitive transfer experience through natural dialogue.

  • Guidance Through Natural Language
    Example: Customers can simply type, “Send ¥10,000 to Tanaka,” and the agent will guide them through the transfer process.
  • Voice Interaction ※
    - iOS　　：Supports both voice input and read-out capabilities.
    - Android：Supports voice input.
  • ※ (Certain device settings may be required.)
  • Multiple Recipients in One Interaction
    Example: “Send ¥10,000 to Tanaka and ¥20,000 to Yamada.”
Fund Transfer Interface Example

Fund Transfer Interface Example

  • Transfer via Photos or Screenshots
Invoice Image–Based Transfer Example

Invoice Image–Based Transfer Example

  • ※ Please refer to the supplementary notes and precautions for beta users for details on the scope of this feature.

2. AI Analysis of Debit Card Transactions

The agent organizes debit card usage and statements, providing insights into spending trends to support household budgeting.

Debit Card Spending Analysis Example

Debit Card Spending Analysis Example

3. Navigation for Various Procedures

For tasks such as address changes—where customers may be unsure of the correct menu—the agent smoothly guides them to the appropriate screen through chat interaction.

Guided Navigation to the Appropriate Procedure Screen

Guided Navigation to the Appropriate Procedure Screen

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.