Liquid Provides "LIQUID eKYC" Public Personal Authentication (JPKI) and "He Method" to Saikyo Bank's Banking App
Liquid has provided its online identity verification service "LIQUID eKYC," including Public Personal Authentication (JPKI) and the "He Method," to Saikyo Bank's banking app. This enables strict online identity verification, allowing customers to complete procedures like account opening and address changes entirely within the app. Liquid's extensive track record of approximately 600 client contracts was a decisive factor in its adoption.
📋 Article Processing Timeline
- 📰 Published: April 25, 2026 at 01:00
- 🔍 Collected: April 24, 2026 at 16:31
- 🤖 AI Analyzed: April 24, 2026 at 21:36 (5h 4m after Collected)
ELEMENTS Group's Liquid Inc. (Headquarters: Chuo-ku, Tokyo; Representative Director: Takashi Hasegawa; hereinafter "Liquid") will provide its online identity verification service "LIQUID eKYC," including Public Personal Authentication (JPKI)*1, He Method*2, and facial passive judgment option*3, to the banking app provided by Saikyo Bank (Headquarters: Shunan City, Yamaguchi Prefecture; Representative Director and President: Ken Matsuoka; hereinafter "Saikyo Bank"). This will enable strict online identity verification, allowing procedures such as account opening and address changes to be completed entirely within the app.
*1 A method compliant with Article 6, Paragraph 1, Item 1 (ka) of the Enforcement Regulations of the Act on Prevention of Transfer of Criminal Proceeds (Act on Prevention of Transfer of Criminal Proceeds).
*2 A method compliant with Article 6, Paragraph 1, Item 1 (he) of the Enforcement Regulations of the Act on Prevention of Transfer of Criminal Proceeds (Act on Prevention of Transfer of Criminal Proceeds).
*3 "LIQUID eKYC" Equipped with a New Judgment Function to Prevent Impersonation during Facial Recognition (May 31, 2023) https://liquidinc.asia/2023-05-31/
◾️Summary
- Liquid has provided Public Personal Authentication (JPKI), He Method, and facial passive judgment option of the online identity verification service "LIQUID eKYC" to Saikyo Bank's banking app.
- This will enable strict online identity verification, allowing procedures such as account opening and address changes to be completed entirely within the app.
- Liquid's extensive track record of approximately 600 client contracts was a decisive factor in its adoption.
◾️Background
Liquid will now provide Public Personal Authentication (JPKI), He Method, and facial passive judgment option of the online identity verification service "LIQUID eKYC" to Saikyo Bank's banking app.
Public Personal Authentication (JPKI) is identity verification utilizing My Number Cards, and the He Method combines reading the IC chip of a public identification document with facial photography (selfie) for facial authentication. Since facial photography is performed with passive judgment*4, it prevents breakthrough methods by attackers using deepfakes etc., which can occur with active judgment*5, thereby providing more robust security.
This will enable strict online identity verification, allowing procedures such as account opening and address changes to be completed entirely within the app.
Liquid's extensive track record of approximately 600 client contracts was a decisive factor in the selection of "LIQUID eKYC" this time.
*4 A function that performs judgment solely from the frontal facial image taken by the end-user. No additional actions are required, and it determines in real-time whether the person is actually taking their own facial image. Since the end-user does not need to perform actions such as head movements, it does not give attackers hints to decipher the judgment content and strengthens anti-fraud measures while reducing the burden on users.
*5 Determining whether an image sent by an end-user was taken during identity verification, rather than being a pre-shot photo, by actions performed by the end-user such as head movements or blinking.
◾️About Saikyo Bank Co., Ltd.
Location: 1-10-2 Heiwa-dori, Shunan City, Yamaguchi Prefecture
Representative: Ken Matsuoka, Representative Director and President
Established: November 1930
Business Activities: Ordinary banking operations
Website: https://www.saikyobank.co.jp/
◾️About "LIQUID eKYC," No. 1 in eKYC market share for 6 consecutive years *6
This service enables online completion of identity verification required for online contracts, account registrations, and account openings. It offers methods such as taking photos of identity verification documents like driver's licenses and My Number Cards, or reading IC chips and matching them with a selfie facial photo, as well as methods utilizing Public Personal Authentication (JPKI / Smartphone JPKI). It can also support age verification for student discounts, etc. Through its proprietary AI technology, biometric authentication technology, and OCR technology, it achieves a low abandonment rate from the start of photography to completion. The total number of identity verifications for the ELEMENTS Group combined is approximately 150 million, and the total number of contracts is approximately 600 companies.
About LIQUID eKYC: https://liquidinc.asia/liquid-ekyc/
About Public Personal Authentication: https://liquidinc.asia/jpki/
*6 ITR "ITR Market View": Identity and Access Management / Personal Authentication Security Market 2025" eKYC market: Vendor-specific sales share (FY2019-FY2024 forecast)
*1 A method compliant with Article 6, Paragraph 1, Item 1 (ka) of the Enforcement Regulations of the Act on Prevention of Transfer of Criminal Proceeds (Act on Prevention of Transfer of Criminal Proceeds).
*2 A method compliant with Article 6, Paragraph 1, Item 1 (he) of the Enforcement Regulations of the Act on Prevention of Transfer of Criminal Proceeds (Act on Prevention of Transfer of Criminal Proceeds).
*3 "LIQUID eKYC" Equipped with a New Judgment Function to Prevent Impersonation during Facial Recognition (May 31, 2023) https://liquidinc.asia/2023-05-31/
◾️Summary
- Liquid has provided Public Personal Authentication (JPKI), He Method, and facial passive judgment option of the online identity verification service "LIQUID eKYC" to Saikyo Bank's banking app.
- This will enable strict online identity verification, allowing procedures such as account opening and address changes to be completed entirely within the app.
- Liquid's extensive track record of approximately 600 client contracts was a decisive factor in its adoption.
◾️Background
Liquid will now provide Public Personal Authentication (JPKI), He Method, and facial passive judgment option of the online identity verification service "LIQUID eKYC" to Saikyo Bank's banking app.
Public Personal Authentication (JPKI) is identity verification utilizing My Number Cards, and the He Method combines reading the IC chip of a public identification document with facial photography (selfie) for facial authentication. Since facial photography is performed with passive judgment*4, it prevents breakthrough methods by attackers using deepfakes etc., which can occur with active judgment*5, thereby providing more robust security.
This will enable strict online identity verification, allowing procedures such as account opening and address changes to be completed entirely within the app.
Liquid's extensive track record of approximately 600 client contracts was a decisive factor in the selection of "LIQUID eKYC" this time.
*4 A function that performs judgment solely from the frontal facial image taken by the end-user. No additional actions are required, and it determines in real-time whether the person is actually taking their own facial image. Since the end-user does not need to perform actions such as head movements, it does not give attackers hints to decipher the judgment content and strengthens anti-fraud measures while reducing the burden on users.
*5 Determining whether an image sent by an end-user was taken during identity verification, rather than being a pre-shot photo, by actions performed by the end-user such as head movements or blinking.
◾️About Saikyo Bank Co., Ltd.
Location: 1-10-2 Heiwa-dori, Shunan City, Yamaguchi Prefecture
Representative: Ken Matsuoka, Representative Director and President
Established: November 1930
Business Activities: Ordinary banking operations
Website: https://www.saikyobank.co.jp/
◾️About "LIQUID eKYC," No. 1 in eKYC market share for 6 consecutive years *6
This service enables online completion of identity verification required for online contracts, account registrations, and account openings. It offers methods such as taking photos of identity verification documents like driver's licenses and My Number Cards, or reading IC chips and matching them with a selfie facial photo, as well as methods utilizing Public Personal Authentication (JPKI / Smartphone JPKI). It can also support age verification for student discounts, etc. Through its proprietary AI technology, biometric authentication technology, and OCR technology, it achieves a low abandonment rate from the start of photography to completion. The total number of identity verifications for the ELEMENTS Group combined is approximately 150 million, and the total number of contracts is approximately 600 companies.
About LIQUID eKYC: https://liquidinc.asia/liquid-ekyc/
About Public Personal Authentication: https://liquidinc.asia/jpki/
*6 ITR "ITR Market View": Identity and Access Management / Personal Authentication Security Market 2025" eKYC market: Vendor-specific sales share (FY2019-FY2024 forecast)