Proptech TRUSTART Provides On-Site Property Photo Inspection Service to The Chugoku Bank

TRUSTART Co., Ltd. (Headquarters: Chuo-ku, Tokyo; Representative Director: Yojiro Oe; pronunciation: “Trustart”; hereinafter “TRUSTART”), a company engaged in proptech services, announces the provision of its “Real Estate Investigation (Collateral Photo Inspection)” service to the Digital Retail Banking Division of The Chugoku Bank, Ltd. (Head Office: Okayama City, Okayama Prefecture; President & CEO: Sadanori Kato; hereinafter “The Chugoku Bank”), handling on-site photo inspections of collateral properties required for residential loan reviews.

■ Background

In a highly competitive housing market, even a slight delay in loan approval responses can directly lead to significant disadvantages, such as customers losing purchasing opportunities or experiencing setbacks in their important life plans.

For The Chugoku Bank’s Digital Retail Banking Division, which maintains an extensive network spanning the Seto Inland Sea, San'in, and Kansai regions from its base in Okayama Prefecture, accelerating the residential loan review process has been a key priority. The bank sought solutions to the following three challenges:

- Reduce waiting time for loan approval responses, which can determine the success or failure of a home purchase
- Establish an inspection system aligned with market speed to minimize the risk of missing out on popular properties by a narrow margin
- Build a system that ensures no discomfort to customers or neighbors during on-site inspections, particularly regarding manners and personal information management

■ Support Provided

TRUSTART established a BPO (Business Process Outsourcing) system for collateral photo inspections, fully compliant with The Chugoku Bank’s strict security and governance standards.

(1) Delivery of Collateral Photos in 1–3 Business Days
Although the official delivery deadline is within 10 business days, TRUSTART consistently delivers photos within 1–3 business days of request. This has contributed to accelerating formal loan approval responses.

(2) Bank-Grade “Secure Environment”
TRUSTART has built a data management infrastructure that protects customers’ sensitive information through domestic-only server operations and encrypted data transmission, fully complying with The Chugoku Bank’s robust compliance standards.

(3) Reliable “External Control Framework”
TRUSTART designed an operational workflow that flexibly leverages a transparent external network while strictly adhering to the bank’s stringent rules—such as data storage location policies and subcontractor control frameworks. Its high adaptability to bank-level governance standards was the decisive factor in The Chugoku Bank’s selection of this service.

■ Implementation Results

The BPO of collateral photo inspections has led to the following improvements:

- Accelerated Approval Responses
The shortened time to obtain collateral photos has enabled faster formal loan approval responses to customers.

- Reduced Workload and Psychological Pressure on Bank Staff
Bank employees no longer need to spend hours traveling to distant properties, allowing them to dedicate that time to detailed customer consultations and advisory services. Additionally, the psychological pressure of “needing to take photos quickly” has been significantly reduced.

【Interview Article】
TRUSTART has published an interview article on its corporate website featuring the responsible personnel from The Chugoku Bank’s “Digital Retail Banking Division.” Please take a moment to read it.

Read the case study

■ Future Outlook

TRUSTART will combine its expertise in real estate investigations with proprietary real estate big data collected and built in-house to accelerate support for financial institutions nationwide. In the field of real estate collateral investigations—central to residential lending—many regional banks face the common challenge of balancing review speed with governance. As a real estate data infrastructure provider supporting financial institutions from both “data and on-site operations” perspectives, TRUSTART aims to create environments across Japan where financial institutions can fully leverage their core strengths.

＜Overview of The Chugoku Bank, Ltd.＞
Company Name: The Chugoku Bank, Ltd.
Representative: President & CEO Sadanori Kato
Founded: December 1878
Head Office: 1-15-20 Marunouchi, Kita-ku, Okayama City
Official Website: https://www.chugin.co.jp/

【About TRUSTART’s Real Estate Investigation Services】

TRUSTART’s real estate investigation services are high-level outsourced investigation services supporting the preparation of important disclosure documents, operated by a team of experts primarily from trust banking backgrounds. The company provides comprehensive real estate investigations covering land registry records, municipal offices, legal affairs bureaus, and on-site photos, ensuring high-quality investigations by linking verifiable evidence to every investigation item.

＜Overview of TRUSTART Co., Ltd.＞

Representative: Representative Director Yojiro Oe

Business Activities: Real estate big data provision, real estate investigation services

Headquarters: 8F, Sumitomo Realty Yaesu-dori Building, 2-14-1 Hatchobori, Chuo-ku, Tokyo

Founded: May 2020

URL: https://www.trustart.co.jp/

Contact: https://www.trustart.co.jp/contact/