July 1st is Bank Day! 6,312 Actual Users Responded: Oricon Customer Satisfaction® Survey 'Internet Banking' Usage Data

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Oricon Inc. (Headquarters: Minato-ku, Tokyo; President and CEO: Naoya Sato; Abbreviation: Oricon) announced on July 1, 2026, at 2:00 PM, usage data collected from 6,312 individuals who participated in the 'Internet Banking' satisfaction ranking survey released in June by its group company, oricon ME Inc. The survey was conducted by oricon ME Inc. from the perspective of a third party, targeting actual service users.

In commemoration of "Bank Day" on July 1st, we are introducing the survey results regarding 'Internet Banking'.

In recent years, the digitalization of banking services has advanced, and transactions using smartphones and apps have become commonplace. Therefore, this survey investigated the usage status of internet banking and the utilization of bank apps.

《Survey Questions & Topics》

1. Reasons for wanting to use internet banking services

● "Because I don't have to go to a branch, counter, or ATM" was the most common reason at 50.4%

● Voices also emphasized financial benefits such as lower fees

2. Services used with internet banking

● "Transfers/Remittances" was the most common at 55.1%

● Usage is expanding for account management and various procedures

3. Services linked with internet banking services

● "Credit cards" were the most common at 27.6%

● Followed by "Code payment apps (16.7%)" and "Prepaid e-money (8.5%)"

*The sum of percentages may not equal 100 due to rounding of the second decimal place.

This report compiles data separately collected from the 2026 survey participants of the Oricon Customer Satisfaction® Survey 'Internet Banking' released in June.

For details on the customer satisfaction rankings, please refer to the ranking page and the ranking release document PDF on the official website below.

'Internet Banking' Ranking Page: https://life.oricon.co.jp/rank_netbank/banking/

'Internet Banking' Press Release PDF: https://life.oricon.co.jp/information/958/

1. Reasons for wanting to use internet banking services

Reasons for wanting to use internet banking services (Oricon Customer Satisfaction Survey)

"Because I don't have to go to a branch, counter, or ATM" cited by 1 in 2 people; "lower fees" and other financial benefits also cited as reasons for use.

When asked about the "reasons for wanting to use internet banking services (multiple responses)" among 6,312 users who log in to internet banking once a month or more, "Because I don't have to go to a branch, counter, or ATM" was the most common reason at 50.4%.

This was followed by "Because I can use it 24 hours a day" (45.5%), "Because the fees are low" (37.2%), and "Because I already had an account" (30.0%).

This suggests that many people use the service due to its high convenience, such as being able to use it without visiting a branch or ATM and being able to conduct transactions regardless of the time.

Additionally, some users cited financial benefits as reasons for use, such as "Because the fees are low (37.2%)" and "Because the deposit interest rates are high (7.4%)".

~ User comments regarding fees ~

"There's a benefit of free transfer fees, and I can make transfers from home without going out (60s+, Male)"

"No fees, and I can use it anytime without worrying about the day or time (40s, Male)"

"Using internet banking allows for a limited number of free transfers to other banks (50s, Male)"

~ User comments regarding deposit interest rates ~

"The interest rate for ordinary deposits increases depending on my transaction status (60s+, Male)"

"The procedures are simple, the fees are low, and the interest rates are high, which is appreciated (50s, Female)"

"The deposit interest rates are high, and there are many free ATM usage opportunities. There are also campaign interest rates (60s+, Male)"

2. Services used with internet banking

Services used with internet banking (Oricon Customer Satisfaction Survey)

"Transfers/Remittances" most common at 55.1%; usage expanding to daily life scenes such as utility payments and online payments.

When asked about "services used with internet banking (excluding ordinary deposits and ATM usage) (multiple responses)", "Transfers/Remittances (including overseas remittances)" was the most common at 55.1%.

This was followed by "Account information inquiry/statement confirmation" (48.5%), "Account transfers" (34.0%), "Fixed deposits" (30.7%), and "Salary deposits" (27.5%).

In addition to transactions such as transfers and remittances, the service is used for a wide range of purposes including daily account management such as balance and statement confirmation, fixed deposits, and salary deposits.

Furthermore, "Payment of various public utilities" (22.4%) and "Payments for online shopping, etc." (21.3%) exceeded 20%, indicating that internet banking is being utilized as a familiar financial service in daily life.

~ User comments regarding transfers/remittances ~

"Transfer fees are waived, and I rarely need to visit a branch. I receive deposit/withdrawal notifications (60s+, Male)"

"Foreign currency fees are low, and transfer fees are free (60s+, Male)"

"It was good that I could change the transfer limit even on a Sunday (30s, Male)"

~ User comments regarding fixed deposit usage ~

"Depositing from an ordinary account to a fixed deposit is very clear and can be done smoothly (60s+, Male)"

"There was a high-interest fixed deposit only for app users. Personal remittances could be made easily and without fees (50s, Female)"

"I like that the interest rate for fixed deposits is better than at other branches. It's convenient because I can deposit and withdraw from fixed deposits through online operations (40s, Female)"

3. Services linked with internet banking services

Services linked with internet banking (Oricon Customer Satisfaction Survey)

"Credit cards" most common at 27.6%; code payment apps also used by about 20%

When asked "Are there any services linked with internet banking services (multiple responses)?", among users who have linked services, "Credit cards" were the most common at 27.6%.

This was followed by "Code payment apps" (16.7%). Among code payment apps, PayPay was the most common (14.2%), followed by Rakuten Pay (4.1%), FamiPay (2.2%), Merpay (1.8%), and au PAY (1.2%).

Additionally, a certain number of users utilize "Prepaid e-money (8.5%)" such as nanaco and WAON, "Carrier payments (8.2%)", and "Transportation IC cards (6.7%)". This indicates that various payment services are linked with internet banking, primarily credit cards and code payment apps.

~ Comments regarding credit cards ~

"It was easy to link with credit cards. Security is solid (60s+, Female)"

"It's easy to check my balance and credit card usage fees in the app (30s, Female)"

"It's convenient to link with credit cards and other services for payments (50s, Male)"

"The good connectivity with credit cards and online shops/auctions suits my lifestyle (60s+, Male)"

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《Survey Overview》 2026 Oricon Customer Satisfaction® Survey Internet Banking

Usage Data Release Date: 2026/07/01 ■ Survey Organizer: oricon ME Inc. ■ Survey Method: Internet Survey

Sample Size: 6,312 people

Definition: Internet banking services provided by banks registered with the Financial Services Agency (services that provide deposit balance inquiries, deposit/withdrawal inquiries, account transfers, etc., via the internet).

Includes AEON Bank, 7-Bank, and Lawson Bank, which primarily partner with commercial facilities.

However, internet banking services from online-only banks, credit unions, credit cooperatives, and labor credit associations are excluded.

Survey Period: 2026/01/27~2026/02/12

Survey Participants Gender: Not specified Age: 18-79 Region: Nationwide

Condition: Individuals who have logged in to a bank's internet banking service once a month or more.

URL: https://life.oricon.co.jp/rank_netbank/banking/

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