Finatext's Credit Business Platform "Crest" Adopted as Integrated Customer Base for Mitsubishi UFJ Bank's Online Finance Services for SMEs

Finatext Co., Ltd. (Headquarters: Chiyoda-ku, Tokyo; Representative Director & CEO: Akane Kinoshita; hereinafter "Finatext"), a Finatext Group company that realizes embedded finance through the provision of next-generation financial infrastructure, announces that Finatext's credit business platform "Crest" has been adopted as the integrated customer base for Mitsubishi UFJ Bank's (hereinafter "Mitsubishi UFJ Bank") online finance services for small and medium-sized enterprises (SMEs). Initially, it will enable seamless integration between Mitsubishi UFJ Bank's online lending service for SMEs, "Biz LENDING," and business SaaS provided by external partners, supporting the realization of comprehensive lending services that meet the diverse funding needs of SMEs.

■ Background

Recently, in corporate finance, in addition to traditional bank loans, there has been a diversification of funding methods such as corporate cards, invoice card payments, and factoring. To provide optimal financial services tailored to the growth phase and funding needs of businesses, it is essential to enhance user convenience by collaborating with external services and to utilize customer data across services. Mitsubishi UFJ Bank also required the construction of a system that could flexibly connect its SME online finance service, centered on "Biz LENDING," with external services and centrally manage customer data.

Finatext's "Crest" is an AI-ready credit business platform that efficiently centralizes and manages credit-related operations. Since functions such as screening, lending, repayment, balance management, and customer management are pre-implemented as a system, it suppresses initial costs and development periods for system introduction, enabling rapid business launch. Furthermore, its architecture is characterized by high flexibility and scalability, making it easy to expand functions and integrate with other systems after operation begins.

This time, these features of "Crest" were highly evaluated, leading to its adoption as the integrated customer base for Mitsubishi UFJ Bank's online finance services for SMEs. Finatext and Mitsubishi UFJ Bank will commence the "Crest" implementation project this month and plan to proceed with development aimed at integrating "Biz LENDING" with external services.

■ Features of "Crest" as an Integrated Customer Base

1. ID and Data Linkage for Seamless Integration with External Services

API-based design enables easy single sign-on (SSO) from external services and secure data linkage. Users can seamlessly access lending services from their familiar business tools.

2. Integrated Database for Centralized Management of Multiple Financial Services per Customer

Data across multiple services, such as lending, payments, and billing management, is integrated per customer. This allows the bank to grasp customers' funding needs more precisely and in real-time, enabling optimal timing for proposals.

3. Both Proven Stability and Flexible Scalability

Based on operational実績 (track record) within the Finatext Group's lending business (Smartplus Credit Co., Ltd.), continuous functional improvements are made. While being a proven and stable platform, it can rapidly add and modify necessary functions to adapt to the fast-changing corporate finance market.