Sasuke Financial Lab Begins PoC for Auto Insurance Comparison Tool
Sasuke Financial Lab has started a Proof of Concept (PoC) for an auto insurance comparison tool. In response to the revised Insurance Business Act, it aims for objective comparison recommendations and transparency in the sales process, seeking to solve compliance issues and labor shortages in the industry.
📋 Article Processing Timeline
- 📰 Published: April 6, 2026 at 19:00
- 🔍 Collected: April 6, 2026 at 10:31
- 🤖 AI Analyzed: April 21, 2026 at 02:04 (351h 33m after Collected)
**Sasuke Financial Lab Inc. (Headquarters: Chiyoda-ku, Tokyo; CEO: Kiyotaka Matsui; hereinafter 'the Company') has developed part of an auto insurance comparison tool to enhance the auto insurance comparison and solicitation process, and has commenced a PoC (Proof of Concept) from April 1, 2026.**
**In this project, we will verify the technical and operational effectiveness of achieving both legal compliance and customer interest protection. We will leverage the UI/UX and system infrastructure cultivated through our digital insurance agency 'Kono Hoken!' to address the worsening labor shortage and compliance issues within the industry following the revised Insurance Business Act and new supervisory guidelines.**
## Background of Development
Recently, the non-life insurance industry has seen a series of scandals, including fraudulent insurance claims by a major used car dealership and price-fixing (cartel) of corporate insurance by major non-life insurance companies. In response, the Financial Services Agency has demanded drastic systemic improvements from insurance companies and agencies, and a revision of the 'Insurance Business Act' is scheduled for June 2026, the first in about 10 years.
The following responses have become essential as main points of revision:
- **Strengthening rules for comparative recommended sales:** Prohibition of 'improper guidance' to specific insurance companies not based on customer intentions, and clear explanation and recording of comparison and recommendation reasons.
- **Thorough understanding of intentions and evidence storage:** 'Transparency of the solicitation process' to show how a product was selected, and long-term storage of its evidence.
- **System development for part-time agencies:** Establishment of a monitoring system to prevent the main business, such as car sales, from unduly influencing insurance solicitation.
This development is planned as a PoC to proactively address the above industry trends, while also utilizing practical knowledge from the Nissan sphere. We are exchanging opinions with Nissan Financial Services Co., Ltd., which handles the financial business of the Nissan Group, from the perspective of practical work at car dealerships and compliance response. (This does not promise the provision of a final solution at this time.)
## Support Content & Features
Our company plans to provide a tool with the following functions by leveraging the expertise of our proprietary solutions, 'Kono Hoken! White Label' and 'Kono Hoken! PRO'. In this PoC, we are developing feature 1, which is in high demand from the field.
**1. Legally compliant digital intention assessment (automation of intention assessment and comparative recommendation):** By having customers answer questions about their lifestyle and priorities on a tablet, the system automatically extracts products that match their intentions. The system supports objective comparison presentations that are not biased towards specific insurance companies, achieving the 'appropriate comparative recommendation' required by the revised law to be enforced in 2026.
**2. 'Evidence storage system' to prevent misconduct:** All steps from understanding intentions to product selection and explanation of important matters are digitally recorded. By visualizing who gave what explanation and when, and managing it all on a single screen, we structurally eliminate human error and recording omissions.
**3. Highlighting differences in coverage and ensuring transparency:** The differences in complex auto insurance riders and services are highlighted in a visually easy-to-understand manner. Customers themselves
**In this project, we will verify the technical and operational effectiveness of achieving both legal compliance and customer interest protection. We will leverage the UI/UX and system infrastructure cultivated through our digital insurance agency 'Kono Hoken!' to address the worsening labor shortage and compliance issues within the industry following the revised Insurance Business Act and new supervisory guidelines.**
## Background of Development
Recently, the non-life insurance industry has seen a series of scandals, including fraudulent insurance claims by a major used car dealership and price-fixing (cartel) of corporate insurance by major non-life insurance companies. In response, the Financial Services Agency has demanded drastic systemic improvements from insurance companies and agencies, and a revision of the 'Insurance Business Act' is scheduled for June 2026, the first in about 10 years.
The following responses have become essential as main points of revision:
- **Strengthening rules for comparative recommended sales:** Prohibition of 'improper guidance' to specific insurance companies not based on customer intentions, and clear explanation and recording of comparison and recommendation reasons.
- **Thorough understanding of intentions and evidence storage:** 'Transparency of the solicitation process' to show how a product was selected, and long-term storage of its evidence.
- **System development for part-time agencies:** Establishment of a monitoring system to prevent the main business, such as car sales, from unduly influencing insurance solicitation.
This development is planned as a PoC to proactively address the above industry trends, while also utilizing practical knowledge from the Nissan sphere. We are exchanging opinions with Nissan Financial Services Co., Ltd., which handles the financial business of the Nissan Group, from the perspective of practical work at car dealerships and compliance response. (This does not promise the provision of a final solution at this time.)
## Support Content & Features
Our company plans to provide a tool with the following functions by leveraging the expertise of our proprietary solutions, 'Kono Hoken! White Label' and 'Kono Hoken! PRO'. In this PoC, we are developing feature 1, which is in high demand from the field.
**1. Legally compliant digital intention assessment (automation of intention assessment and comparative recommendation):** By having customers answer questions about their lifestyle and priorities on a tablet, the system automatically extracts products that match their intentions. The system supports objective comparison presentations that are not biased towards specific insurance companies, achieving the 'appropriate comparative recommendation' required by the revised law to be enforced in 2026.
**2. 'Evidence storage system' to prevent misconduct:** All steps from understanding intentions to product selection and explanation of important matters are digitally recorded. By visualizing who gave what explanation and when, and managing it all on a single screen, we structurally eliminate human error and recording omissions.
**3. Highlighting differences in coverage and ensuring transparency:** The differences in complex auto insurance riders and services are highlighted in a visually easy-to-understand manner. Customers themselves