Call for change

Demand for extraordinary innovation

First came the digital natives, then, the financial technology companies flexed their muscles. Next, we saw a variety of non-banking companies entering the banking field. With all of these rule changes and paradigm shifts affecting banking on a global level, Bank of Fukuoka, the core bank of the Fukuoka Financial Group (FFG), based in Kyushu, Japan, knew they needed to transform. “The number of customers visiting traditional branches of the FFG decreased by 40% over the past 10 years, while the number of customers using internet banking increased by 2.4 times over the same period,” said Koji Yokota, President, Minna Bank.

To create a bank for everyone—including digital natives—FFG would have to change. But how?

Japan’s Minna Bank is innovation for the world

Minna Bank is the first bank in the world to build a full cloud banking system.

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When tech meets human ingenuity

Transcending boundaries for a powerful transformation

FFG began by establishing iBank Marketing Corporation, a platform company to explore potential business models for the bank of the future by connecting the financial and non-financial sectors with local communities. Kenichi Nagayoshi, the founder of iBank Marketing and Director and Vice President of Minna Bank, explained:

"Our mission was to create innovative financial services, which is why we launched iBank Marketing to develop simple financial functions and digital marketing with data and analytics at its core. Our core product app, Wallet+, has been downloaded more than 1.6 million times. We thought it was time to create a new platform for financial services now that the game is changing."

"We chose Accenture as our partner because of their global digital expertise in technology, design, and data analytics combined with their ability to execute. Accenture is an excellent company and our best partner"

— KOJI YOKOTA, President – Minna Bank

A valuable difference

The bank of the future is here

Minna Bank differs from traditional banks not only by its operating model, but also its marketing and promotion. Instead of using mass media, it uses social media to develop promotions through activity among users. This approach perfectly matches the bank’s target market and is made possible through years of experience and a powerful user interface. To target digital natives, Accenture's team of designers pursued a simple and appealing graphical presentation with minimal descriptive information.

The planning and design process started with a thorough understanding of the thinking and behavior of digital natives, and a commitment to develop services from the customer's perspective: when and how do they want to use financial services? This approach enabled Minna Bank to become a frictionless app that people want to use every day. It is also a portal for non-financial services, providing great value to customers by turning data-based marketing into a service.

Minna Bank has three core business concepts:

Give shape to everyone's voice—provide new financial services in line with changes in customer behavior

Deliver the best for everyone—become a comprehensive financial concierge based on an understanding of customers

Integrate into people's daily lives—realize the concept of a BaaS (Banking as a Service) business - a new banking system offering based on the Accenture Cloud Native Core Solution.

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"As Japan's first digital bank, Minna Bank will be the epicenter of innovation in the Japanese financial industry. Accenture is committed to continuing to be an engine of innovation for Minna Bank"

— MASASHI NAKANO, Senior Managing Director – Financial Services, Accenture

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