Practical Application of 'AI Scoring Model' Begins at Mebuki Financial Group
ITFOR announced the integration of MRI's AI Scoring Model into its personal loan support system 'SCOPE', used by Mebuki Financial Group (Joyo Bank, Ashikaga Bank). This API integration will accelerate housing loan screenings and reduce operational hours starting April 2026.
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- 📰 Published: April 1, 2026 at 23:04
- 🔍 Collected: April 1, 2026 at 16:47
- 🤖 AI Analyzed: April 21, 2026 at 07:38 (470h 50m after Collected)
ITFOR Inc. (Headquarters: Chiyoda-ku, Tokyo, President: Koji Sakata) announces today the implementation of the 'AI Scoring Model' provided by Mitsubishi Research Institute, Inc. (Headquarters: Chiyoda-ku, Tokyo, President: Kenji Yabuta, hereinafter 'MRI') for housing loan screening using the personal loan support system 'SCOPE' operating at Mebuki Financial Group, Inc. (Headquarters: Chuo-ku, Tokyo, President: Tetsuya Akino). By linking the credit risk measurement results from this model to SCOPE via API, it will integrally support speeding up screening results, reducing man-hours for screening decisions, and advancing the screening process. This model is scheduled to begin operation at Joyo Bank on April 1, 2026, and at Ashikaga Bank in June 2026.
## Background
In housing loan screening, scoring models that assess the applicant's credit risk based on application and credit information play an important role, utilized for screening decisions and setting interest rates and guarantee fees. In recent years, against the backdrop of a rapidly changing external environment, along with data accumulation and AI technology development, there has been an increasing need to review traditional models and transition to models that can be operated more accurately and flexibly. For our company, which provides screening solutions such as SCOPE, integration with AI technology is also becoming increasingly important.
Mebuki Financial Group has been aiming to automate screening by combining the 'Screening AI Service' provided by MRI and SCOPE in 2023. With the introduction of this AI scoring model, they aim to further advance the DX (Digital Transformation) of screening operations.
## Overview
Joyo Bank, Ltd. (Headquarters: Mito City, Ibaraki Prefecture, President: Tetsuya Akino) and Ashikaga Bank, Ltd. (Headquarters: Utsunomiya City, Tochigi Prefecture, President: Kazuyuki Shimizu), belonging to Mebuki Financial Group, will introduce an AI scoring model for housing loans that enhances the traditional scoring model using AI, for the screening of housing loans guaranteed by Mebuki Credit Guarantee Co., Ltd. Along with the credit risk measurement results from the AI scoring model, the comprehensive approval/rejection decision results from the already implemented screening AI service will be linked to SCOPE via API. This will integrally support faster screening responses, reduced man-hours for screening decisions, and advanced screening.
## What is the Personal Loan Support System 'SCOPE'?
It is a web-based package system that supports housing loan screening, unsecured loan screening, and ongoing credit screening. After receiving a loan application, it automates inquiries to personal credit information agencies, consolidation and aggregation of inquiry results, checks for conformity to loan conditions, and past transaction histories. It allows total management of the entire workflow, achieving efficiency in screening.
## Background
In housing loan screening, scoring models that assess the applicant's credit risk based on application and credit information play an important role, utilized for screening decisions and setting interest rates and guarantee fees. In recent years, against the backdrop of a rapidly changing external environment, along with data accumulation and AI technology development, there has been an increasing need to review traditional models and transition to models that can be operated more accurately and flexibly. For our company, which provides screening solutions such as SCOPE, integration with AI technology is also becoming increasingly important.
Mebuki Financial Group has been aiming to automate screening by combining the 'Screening AI Service' provided by MRI and SCOPE in 2023. With the introduction of this AI scoring model, they aim to further advance the DX (Digital Transformation) of screening operations.
## Overview
Joyo Bank, Ltd. (Headquarters: Mito City, Ibaraki Prefecture, President: Tetsuya Akino) and Ashikaga Bank, Ltd. (Headquarters: Utsunomiya City, Tochigi Prefecture, President: Kazuyuki Shimizu), belonging to Mebuki Financial Group, will introduce an AI scoring model for housing loans that enhances the traditional scoring model using AI, for the screening of housing loans guaranteed by Mebuki Credit Guarantee Co., Ltd. Along with the credit risk measurement results from the AI scoring model, the comprehensive approval/rejection decision results from the already implemented screening AI service will be linked to SCOPE via API. This will integrally support faster screening responses, reduced man-hours for screening decisions, and advanced screening.
## What is the Personal Loan Support System 'SCOPE'?
It is a web-based package system that supports housing loan screening, unsecured loan screening, and ongoing credit screening. After receiving a loan application, it automates inquiries to personal credit information agencies, consolidation and aggregation of inquiry results, checks for conformity to loan conditions, and past transaction histories. It allows total management of the entire workflow, achieving efficiency in screening.