JCB Releases New Provision Model for "Cashmap" Funding Management and Cash Flow Improvement Portal for Regional Financial Institutions
JCB has launched "Cashmap Business," a new model designed for regional financial institutions to offer corporate funding management and cash flow improvement services. This platform allows financial institutions without existing corporate portals to quickly implement the service, with Yamaguchi Financial Group's three affiliated banks scheduled to introduce it around Winter 2026.
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- 📰 Published: May 9, 2026 at 00:00
- 🔍 Collected: May 8, 2026 at 15:32
- 🤖 AI Analyzed: May 8, 2026 at 20:34 (5h 2m after Collected)
JCB Co., Ltd. (Head office: Minato-ku, Tokyo; President and CEO: Takayoshi Futae; hereinafter: JCB) will begin offering "Cashmap Business" as a new provision model for regional financial institutions of "Cashmap※1," a portal for corporate funding management and cash flow improvement. "Cashmap Business" is a platform designed to be introduced even by regional financial institutions that do not possess a corporate portal for their corporate customers (hereinafter: corporate portal).
As the first adopters of this platform, Yamaguchi Financial Group Co., Ltd. (Head office: Shimonoseki City, Yamaguchi Prefecture; President and CEO: Keisuke Mukuwari; hereinafter: Yamaguchi Financial Group) subsidiaries Yamaguchi Bank Co., Ltd. (Head office: Shimonoseki City, Yamaguchi Prefecture; President: Tokuharu Soga; hereinafter: Yamaguchi Bank), Momiji Bank Co., Ltd. (Head office: Hiroshima City, Hiroshima Prefecture; President: Hirofumi Hiranaka; hereinafter: Momiji Bank), and Kitakyushu Bank Co., Ltd. (Head office: Kitakyushu City, Fukuoka Prefecture; President: Kengo Okada; hereinafter: Kitakyushu Bank) are scheduled to start services around Winter 2026.
※1 "Cashmap" is a service for small and medium-sized enterprises and sole proprietors that provides one-stop support from centralized management and visualization of income and expenditure, future simulations, to connection to cash flow improvement services.
About "Cashmap Business"
"Cashmap Business" is a platform developed based on JCB's "Cashmap," which is provided to its corporate card members, as a model that regional financial institutions can offer as a service for corporate customers.
While "Cashmap Finance※2," scheduled to be provided around Autumn 2026, is a model predicated on integration into a corporate portal, "Cashmap Business" can be introduced regardless of whether a corporate portal is provided, and allows for the quick launch of services for corporate customers, leading to the establishment of new digital contact points with corporate customers.
※2 Press release: https://www.global.jcb/ja/press/2026/202603261000_card.pdf
■Features of Cashmap Business and Cashmap Finance
■Main Functions (Common to Cashmap Business and Cashmap Finance)
- ①Authentication using IDs and passwords for corporate internet banking, etc.
- ②Fund Management
- Centralized management of account balances and income/expenditure status is possible through linkage with bank accounts and credit cards.
- Efficient consideration of cash flow improvement through visualization with cash flow graphs and future simulations.
- ③Invoice Management and Payment (Selectable from card payment or bank transfer)
- The series of tasks from receiving to paying invoices, which are manually performed, can be easily and conveniently systematized.
- Payments can be selected from card payment or bank transfer, allowing for flexible responses according to funding status.
- ④Online Lending
- Loan conditions are automatically calculated and presented (recommended) based on account information.
- Application can be completed online by referring to the presented conditions.
- ⑤PayB for Business
- Online completion of payment for taxes, public utility charges, etc. Supports payment from corporate accounts.
- ⑥JCB Corporate Card Online Application
- Corporate card applications can be made without face-to-face interaction.
- ⑦Cash Flow Statement Creation
- It is possible to create cash flow statements, which are often exchanged between financial institutions and corporate customers for bank loans, etc.
- Can be created based on income/expenditure status and balance information, and financial institutions can also confirm and operate, enabling smooth communication.
- ⑧Management Screen for Bank Employees
- Financial institutions can check customer account income/expenditure status, transaction status such as invoices, and service usage status.
- Information previously obtained through face-to-face interaction with customers can now be broadly grasped online.
＜List of Functions＞
Introduction by Yamaguchi Financial Group
Amidst the advent of a world with interest rates and the advancement of business digitalization, regional financial institutions face the critical task of strengthening contact points based on accounts and expanding digital channels to build continuous business relationships with corporate customers.
Furthermore, each regional financial institution is considering the optimal form of sales systems and branches as customer contact points, and there is an urgent need to build new contact points utilizing digital technology.
Under these circumstances, Yamaguchi Financial Group has also been considering the expansion of digital channels with the aim of strengthening contact with SMEs, and has agreed to introduce "Cashmap Business" as a corporate service that can be introduced in a short period and has room for future functional expansion, including external service linkage. The service is scheduled to start around Winter 2026, and with this, its subsidiary Yamaguchi Bank...
As the first adopters of this platform, Yamaguchi Financial Group Co., Ltd. (Head office: Shimonoseki City, Yamaguchi Prefecture; President and CEO: Keisuke Mukuwari; hereinafter: Yamaguchi Financial Group) subsidiaries Yamaguchi Bank Co., Ltd. (Head office: Shimonoseki City, Yamaguchi Prefecture; President: Tokuharu Soga; hereinafter: Yamaguchi Bank), Momiji Bank Co., Ltd. (Head office: Hiroshima City, Hiroshima Prefecture; President: Hirofumi Hiranaka; hereinafter: Momiji Bank), and Kitakyushu Bank Co., Ltd. (Head office: Kitakyushu City, Fukuoka Prefecture; President: Kengo Okada; hereinafter: Kitakyushu Bank) are scheduled to start services around Winter 2026.
※1 "Cashmap" is a service for small and medium-sized enterprises and sole proprietors that provides one-stop support from centralized management and visualization of income and expenditure, future simulations, to connection to cash flow improvement services.
About "Cashmap Business"
"Cashmap Business" is a platform developed based on JCB's "Cashmap," which is provided to its corporate card members, as a model that regional financial institutions can offer as a service for corporate customers.
While "Cashmap Finance※2," scheduled to be provided around Autumn 2026, is a model predicated on integration into a corporate portal, "Cashmap Business" can be introduced regardless of whether a corporate portal is provided, and allows for the quick launch of services for corporate customers, leading to the establishment of new digital contact points with corporate customers.
※2 Press release: https://www.global.jcb/ja/press/2026/202603261000_card.pdf
■Features of Cashmap Business and Cashmap Finance
■Main Functions (Common to Cashmap Business and Cashmap Finance)
- ①Authentication using IDs and passwords for corporate internet banking, etc.
- ②Fund Management
- Centralized management of account balances and income/expenditure status is possible through linkage with bank accounts and credit cards.
- Efficient consideration of cash flow improvement through visualization with cash flow graphs and future simulations.
- ③Invoice Management and Payment (Selectable from card payment or bank transfer)
- The series of tasks from receiving to paying invoices, which are manually performed, can be easily and conveniently systematized.
- Payments can be selected from card payment or bank transfer, allowing for flexible responses according to funding status.
- ④Online Lending
- Loan conditions are automatically calculated and presented (recommended) based on account information.
- Application can be completed online by referring to the presented conditions.
- ⑤PayB for Business
- Online completion of payment for taxes, public utility charges, etc. Supports payment from corporate accounts.
- ⑥JCB Corporate Card Online Application
- Corporate card applications can be made without face-to-face interaction.
- ⑦Cash Flow Statement Creation
- It is possible to create cash flow statements, which are often exchanged between financial institutions and corporate customers for bank loans, etc.
- Can be created based on income/expenditure status and balance information, and financial institutions can also confirm and operate, enabling smooth communication.
- ⑧Management Screen for Bank Employees
- Financial institutions can check customer account income/expenditure status, transaction status such as invoices, and service usage status.
- Information previously obtained through face-to-face interaction with customers can now be broadly grasped online.
＜List of Functions＞
Introduction by Yamaguchi Financial Group
Amidst the advent of a world with interest rates and the advancement of business digitalization, regional financial institutions face the critical task of strengthening contact points based on accounts and expanding digital channels to build continuous business relationships with corporate customers.
Furthermore, each regional financial institution is considering the optimal form of sales systems and branches as customer contact points, and there is an urgent need to build new contact points utilizing digital technology.
Under these circumstances, Yamaguchi Financial Group has also been considering the expansion of digital channels with the aim of strengthening contact with SMEs, and has agreed to introduce "Cashmap Business" as a corporate service that can be introduced in a short period and has room for future functional expansion, including external service linkage. The service is scheduled to start around Winter 2026, and with this, its subsidiary Yamaguchi Bank...