Minna Bank：日本第一家数字银行

STORIES CloudBank BuildingJapan’sfirstdigitalbankandtheworld'sfirstfullcloudbankingsystem Callforchange Demandforextraordinaryinnovation Firstcamethedigitalnatives.Then,thefinancialtechnologycompaniesflexedtheirmuscles.Next,wesawavarietyofnon-bankingcompaniesenteringthebankingfield.Withalloftheserulechangesandparadigmshiftsaffectingbankingonagloballevel,BankofFukuoka,thecorebankoftheFukuokaFinancialGroup(FFG),basedinKyushu,Japan,knewtheyneededtotransform.“ThenumberofcustomersvisitingtraditionalbranchesoftheFFGdecreasedby40%overthepast10years,whilethenumberofcustomersusinginternetbankingincreasedby2.4timesoverthesameperiod,”saidKojiYokota,President,MinnaBank. Tocreateabankforeveryone—includingdigitalnatives—FFGwouldhavetochange.Buthow? FFGbeganbyestablishingiBankMarketingCorporation,aplatformcompanytoexplorepotentialbusinessmodelsforthebankofthefuturebyconnectingthefinancialandnon-financialsectorswithlocalcommunities.KenichiNagayoshi,thefounderofiBankMarketingandDirectorandVicePresidentofMinnaBank,explained: "Ourmissionwastocreateinnovativefinancialservices,whichiswhywelaunchediBankMarketingtodevelopsimplefinancialfunctionsanddigitalmarketingwithdataandanalyticsatitscore.Ourcoreproductapp,Wallet+,hasbeendownloadedmorethan1.6milliontimes.Wethoughtitwastimetocreateanewplatformforfinancialservicesnowthatthegameischanging.“ Copyright©2021Accenture.Allrightsreserved Callforchange Partneringforchange Copyright©2021Accenture.Allrightsreserved MinnaBankwonthe"BrandoftheYear"awardinthebrandcategoryoftheRedDotDesignAward2021,oneoftheworld'sthreemajordesignawards.TheyarethefirstJapanesecompanytowinthisaward,andthefirstfinancialinstitutionintheworldtowinit.Thecompanyalsowon"BestoftheBest“(thehighestawardoftheyear)intheCommunicationDesigncategory(Applications)and"RedDot"intheCommunicationDesigncategory(BrandDesign&Identity),winningthreeawardssimultaneously. "WechoseAccentureasourpartnerlargelybecauseoftheirglobaldigitalexpertiseintechnology,indesign,andindataanalytics.This,combinedwiththeirabilitytoexecute,enabledustolaunchourserviceontime,eveninthemidstoftheCOVID-19pandemic.Accentureisanexcellentcompanyandourbestpartner." KojiYokota President,MinnaBank Whentechmeetshumaningenuity Transcendingboundariesforapowerfultransformation FFGisimplementinga"two-wayapproach"inDigitalTransformation(DX).WhiletheirtraditionalbankissteadilyimplementingDX,FFG’sMinnaBankimplementedDXin asinglestepinordertoestablishJapan’sfirstdigitalbank.Thisbankwasthefirstbankintheworldtobuildafullcloudbankingsystem,andthesystemwasbuilt inthemidstofapandemic,withoverwhelmingspeed. MinnaBankwasdesignedasadigitaltechnologycompanythatprovidesfinancialservicestodigitalnativecustomers. “Welookedallovertheworldforasuitableplatformforadigitalbank,buttherewasnobankingsystembuiltinthepubliccloud.Sowedecidedtocreateafullcloudbankourselves.” saidNagayoshi. AccentureisprovidingsupportintheadoptionofAgiledevelopmentandinmultipleareassuchasautomation,strategyandtalentdevelopment.ItsBanking,Strategy&Consulting,Technology,andInteractiveteamshavecometogetherfromFukuoka,Osaka,Tokyo,Aizu,Hokkaidoandtwooverseaslocations,transcendingnationalandorganizationalboundariestopartnerwithMinnaBank. Whentechmeetshumaningenuity Inadditiontoitsownresources,Accenturehasdrawnonitsvastecosystemoftechnologypartners—inthiscase,industryleaderssuchasGoogle,Microsoft,AWS,SalesforceandOracle—totakeadvantageoftheirsolutionsandbestpractices. Specifically,inthe"ZeroBankCoreSolution"jointlydevelopedbyMinnaBankandAccenture,thecoresystemwillbeimplementedonGoogleCloudusingAccenture'sDigitalExperienceandcloud-firstapproach,connectedtechnologyandcloud-nativecoresolution.Forcontactcenteroperations,AmazonWebServices(AWS),AmazonConnectandSalesforce'sServiceCloudhavebeencombined.Microsoft'sAzureisbeingusedforthevirtualdesktopinfrastructureforemployeeandsystemoperations,andOracleCloudisbeingusedfortheaccountingsystem. CollaborationwiththesesolutionprovidershasallowedMinnaBanktobuilditsfoundationasacloud-firstbusinesswiththelatesttechnologyavailableworldwide. In2020,inthemidstoftheCOVID-19pandemic,theMinnaBankprojectteamcontinuedtopressforward.Ittooknomorethan18monthstoinventandlaunchatransformationalbankinacountrywithstrictregulationsgoverningfinancialinstitutions—anunprecedentedachievement. “Ifitwasn'tforcloud,wewouldhavebeensixmonthslateinopening.Cloud'sscalability,speedofdeploymentandefficiencyinfixingbugsarethereasonsfortheagilityofourbankingservices.”saidYokota. Avaluabledifference Thebankofthefutureishere MinnaBankdiffersfromtraditionalbanksnotonlybyvirtueofitsoperatingmodel,butalsoitsmarketingandpromotion.Insteadofusingmassmedia,itactivelyemployssocialmediaanddevelopspromotionsbyobservingmentionsamongusers.Thisapproachismadepossiblebyauserinterfaceandexperiencethatperfectlymatchesthepreferencesofthebank’stargetmarket.Totargetdigitalnatives,Accenture'steamofdesignerspursuedasimpleandappealinggraphicalpresentationwithminimaldescriptiveinformation. Theplanninganddesignprocessstartedwithathoroug