Sumitomo Mitsui Banking Corporation, NTT DOCOMO, andタイミー to Explore Collaboration Centered on the Financial Domain

Sumitomo Mitsui Banking Corporation (Headquarters: Minato-ku, Tokyo; President & CEO: Noriaki Maruyama; hereinafter "SMBC", to be renamed "DOCOMO SMTB Net Bank" from August 3, 2026*), NTT DOCOMO, INC. (Headquarters: Chiyoda-ku, Tokyo; Representative Director: Yoshiaki Maeda; hereinafter "DOCOMO"), andタイミー, Inc. (Headquarters: Minato-ku, Tokyo; Representative Director: Rei Ogawa; hereinafter "タイミー") today announced that they have signed a basic agreement to explore collaboration, primarily in the financial domain (hereinafter "this Collaboration"), and will begin full-scale discussions on service design.

SMBC has been promoting its BaaS (Banking as a Service) business, which provides banking functions to partner companies by leveraging the system infrastructure of digital banking and operational know-how in financial services cultivated since its opening.

Our BaaS is characterized by its ability to support the creation of new customer touchpoints through financial services and enhance the added value of core business services by integrating banking functions into partner companies' customer touchpoints and service experiences. This enables us to provide financial services that are more accessible and convenient to partner companies' customers.

In this Collaboration, we will discuss the potential for providing new value in the financial domain, primarily targeting people who work throughタイミー, by leveraging SMBC's expertise in the BaaS business and DOCOMO's customer base and service deployment capabilities.

Specific service details and provision timing have not yet been determined.

This initiative is the first under the "Smart Life Platform" concept (※) announced at a joint press conference held by SMBC, DOCOMO, and Sumitomo Mitsui Trust Bank, Limited on December 19, 2025 (Friday).

※ The "Smart Life Platform" concept is an initiative that, centered around SMBC's BaaS partnerships, combines DOCOMO Group's financial services such as "d Payment" and "d Card" for payments, investments, insurance, and loans, with non-financial services like d Point, to enable flexible service provision tailored to partner companies' service characteristics and customer needs. This allows partner companies to freely incorporate necessary services without needing to develop their own systems and functions, thereby responding to diverse customer needs and rapidly realizing personalized experiences.

Comments from Each Company

Noriaki Maruyama, President & CEO, Sumitomo Mitsui Banking Corporation

SMBC will begin a new chapter as "DOCOMO SMTB Net Bank" from August 3, 2026.

We will continue to work towards realizing the "Smart Life Platform" concept, which connects various lifestyle services, starting with telecommunications, with finance as the hub, based on the financial functions cultivated as a digital bank, leveraging cutting-edge technology in areas such as UI/UX, security, and AI-based screening.

We believe that this collaboration withタイミー will significantly advance the concretization of this concept.

By combining the customer bases, services, and knowledge of each of the three companies, we aim to provide new value that goes beyond the boundaries of finance, tailored to each customer, including those who work.

Yoshiaki Maeda, Representative Director and President, NTT DOCOMO, INC.

In our financial business, which is a pillar of our growth, we aim to realize a "future where life and finance are seamless."

Within the "Smart Life Platform" concept, we will strongly support the business expansion of partner companies by combining the BaaS functions provided by our group company, SMBC, with our robust customer base of over 100 million members, including d Point Club members, and various other services. Simultaneously, we intend to bring positive changes to people's lives and work styles, contributing to the realization of a sustainable society and the resolution of social issues.

タイミー, our first partner in this concept, is an important partner company that shares our aspiration to support people's "work" and realize a richer society. Through this initiative by the three companies, we will contribute together towards realizing a society where individuals who choose diverse ways of working, including the workers who use theタイミー platform, can expand their possibilities with peace of mind.

Rei Ogawa, Representative Director,タイミー, Inc.

Our goal is to realize a society where life's possibilities can be expanded through "work." To this end, we are deeply honored to collaborate with such strong partners as NTT DOCOMO and SMBC. By combining the expertise of the three companies and developing new financial services, we will shed light on individual possibilities and further contribute to realizing a society where everyone can challenge their own potential. Furthermore, we find it highly significant to participate as the first partner company in the "Smart Life Platform" concept being pursued by NTT DOCOMO and SMBC. Together with these two companies that contribute to people's affluent lives through the resolution of social issues, we will also strive for the expansion of the Smart Life Platform concept.

SMBC aims to transform financial services and make society more comfortable and convenient by leveraging cutting-edge technology with a customer-centric approach.

*This trade name change is subject to approval by relevant authorities.

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