Fujitsu Implements and Launches Cloud Service to Digitalize Inheritance Procedures for Ashikaga Bank

May 18, 2026
Fujitsu Limited

Fujitsu Limited has implemented 'FinSnaviCloud', a service supporting inheritance-related procedures, for Ashikaga Bank, Ltd. (hereinafter 'Ashikaga Bank'). Operations commenced on May 18, 2026. The service is provided under the 'Personalized Experience' offering of 'Uvance for Finance', which fuses real and digital elements to deliver optimal financial services tailored to individuals. FinSnaviCloud is a cloud service for financial institutions that handles inheritance procedures from initial reception to final payout. Through this service, Fujitsu aims to support Ashikaga Bank in strengthening its response to the increasing number of inheritance cases caused by the rising aging rate in Tochigi Prefecture. It will enhance convenience for customers undergoing inheritance procedures while supporting efficiency and paperless operations through the centralization of inheritance tasks at the headquarters, contributing to the digitalization of the inheritance sector.

Background
Japan is aging rapidly compared to the rest of the world. While the number of inheritance cases is increasing, financial institutions face challenges such as the burden on heirs to visit branches, and the growing workload and reliance on specific individuals for inheritance tasks at branches. Financial institutions are pressured to provide prompt services. Anticipating a further rise in the aging rate and inheritance cases in Tochigi Prefecture, Ashikaga Bank decided to implement FinSnaviCloud to improve customer convenience and reduce the administrative burden on branch offices.

Overview of FinSnaviCloud Utilization at Ashikaga Bank
With the introduction of FinSnaviCloud, Ashikaga Bank will promote the digitalization of inheritance procedures alongside the centralization of administrative tasks at its headquarters.
FinSnaviCloud enables reception via the Web in addition to traditional branch counters and phone calls, allowing heirs to process applications regardless of time or location. After reception, administrative tasks for inheritance cases from all branches are consolidated at the Inheritance Center, the bank's headquarters, where information is centrally managed. The procedure navigation function supports the selection of necessary documents, and official documents such as family registers and wills can be uploaded digitally from user devices. Furthermore, the system allows tracking of guidance details, inquiry history, and document dispatch/receipt status chronologically for each inheritance case, enabling efficient execution of inheritance operations while grasping the status of cases across all branches.
As a result, customers can enjoy services equivalent to face-to-face interactions even in non-face-to-face settings, while Ashikaga Bank realizes reduced workload for employees and shorter procedure times through paperless operations.
Ashikaga Bank has traditionally promoted the centralization of administrative tasks to improve branch efficiency and reduce employee workload. With the introduction of FinSnaviCloud, the bank aims to increase the centralization rate of inheritance procedures from the current approximately 40% to over 70%.

Figure 1: Image of FinSnaviCloud utilization in Ashikaga Bank's inheritance procedures

Future Prospects
Looking ahead, Ashikaga Bank plans to consider utilizing additional functions, such as leveraging FinSnaviCloud's AI-OCR to assist in generating inheritance relationship diagrams from family registers, simulating pre-death inheritances, and supporting the creation of end-of-life notes.
As a member of the Mebuki Financial Group, Ashikaga Bank is advancing non-face-to-face responses and digitalization for procedures accompanying life events like inheritance, aiming to realize the group's vision of being a 'Value Creation Group Walking with the Region'. The bank will continue contributing to the creation of a prosperous future for local communities by fostering an environment where every resident can use financial services with peace of mind.
Fujitsu will continue to provide new value in this service, such as the effective utilization of inherited assets, while supporting Ashikaga Bank and other financial institutions in conducting efficient and secure inheritance administrative procedures, thereby contributing to solving inheritance-related issues.
Furthermore, through 'Uvance for Finance', which sophisticated financial operations using Data & AI, Fujitsu will realize services tailored to each consumer and financial institution employee, advancing society toward sustainable development of people's lives and the economy.

Overview of FinSnaviCloud
FinSnaviCloud is a cloud service for inheritance support aimed at financial institutions, based on the package product 'FinSnavi' which Fujitsu has provided since 2015. In addition to various administrative functions related to inheritance, it offers a wide range of features addressing social issues such as the hyper-aging society and end-of-life planning for singles, including pre-death inheritance simulations and support for creating end-of-life notes.
This service allows linkage with external services, facilitating functional expansion according to the needs of financial institutions.