The University of Tokyo and the Bank of Yokohama have established an industry-academia collaboration consortium for transaction lending.Consider a business model for the provision of financial services that allow SMEs and sole proprietors to engage in business with peace of mind in terms of funding.
According to the Bank of Yokohama, transaction lending is a company that provides payment agency services, cloud household accounts, and accounting software to retailers and e-commerce businesses for bank account and credit card transaction information, financial information, and products. Refers to a service that examines and lends money based on the purchase and sales status of the company.
Through the examination by this consortium, we will build a new examination model that utilizes AI (artificial intelligence) and statistics for financial data such as monthly financial information and trial balance, and products that can be financed on the same day or the next day. To proceed with the development of.
In addition to the Bank of Yokohama, the consortium has three venture companies, including the Hamagin Research Institute, a think tank, and Coco Peri Incubation, which operates a cloud management support tool.Professor Noriyuki Yanagawa of the Graduate School of Economics, the University of Tokyo and Professor Hiroyuki Morikawa of the Research Center for Advanced Science and Technology will participate as observers.
