This article showcases our top picks for the best Japan based Fintech (Financial Technology) companies. These startups and companies are taking a variety of approaches to innovating the Fintech (Financial Technology) industry, but are all exceptional companies well worth a follow.
We tried to pick companies across the size spectrum from cutting edge startups to established brands.
We selected these startups and companies for exceptional performance in one of these categories:
- Innovative ideas
- Innovative route to market
- Innovative product
- Exceptional growth
- Exceptional growth strategy
- Societal impact
Top Japan Fintech (Financial Technology) Companies
Paidy is a platform for consumers to pay at online stores using only their name and email address. It is optimized for mobile and instant-checkout, Paidy allows consumers to buy online and does not require a credit card or pre-registration.
Paidy’s payment service allows users to make purchases online, and then pay for them each month in a consolidated bill. The company uses proprietary technology to score creditworthiness, underwrite transactions and guarantee payment to merchants.
Since many Japanese consumers prefer not to use credit cards for online payments, Paidy’s service can help vendors increase their conversion rates, average order values and repeat purchases.. .
PayPay is an online payment app.This benefit is not applicable when paying with PayPay online payment service. * 2 For PayPay, per person, the “granting limit for one payment” is equivalent to 15,000 yen, and the “total granting limit for one month” is equivalent to 30,000 yen.
If you pay by credit card other than Yahoo! Card, the grant rate is 0.5%. * 3 If you pay with a credit card other than Yahoo!.
Moneytree is a fintech data platform, with a mission to bring people and institutions closer together, help them find balance and discover new opportunities to grow personal wealth. Moneytree’s first product, a personal finance app for iOS released in 2013, won the App Store’s “Best of” award for iPhone in Japan after only 8 months in market.
It went on to win Best of 2014 for iPad, was one of 10 Apple Watch apps featured pre-launch and a featured iMessage app on the launch of iOS 10. Moneytree has over 1,300,000 users on iOS, Android and web.
Our proprietary data aggregation platform, Moneytree LINK, has almost twenty enterprise clients, including Japan’s two largest accounting software vendors, an industry first inbound API with Mizuho Bank, an SDK integration SMBC (Mitsui Sumitomo) and multiple regional banks in Japan.. .
Kyash is a fintech platform providing mobile banking services with full-stack banking technology currently offering digital wallet app. It has built proprietary full-stack banking infrastructure from the ground up to offer mobile-first consumer-facing digital wallets in Japan.
The platform offers online payment and personal remittance apps under the Kyash service name, and issues prepaid cards that can be used at Visa merchants. It also provides a new card that is available in three colors, navy, silver, and pink and adopts a simple design with card numbers and card names placed on the back.
The first Visa card in Japan with an IC chip and contactless payment function that has no card number on the front side. Kyash was founded on January 23, 2015, and is based in Tokyo, Japan..
bitFlyer is a Bitcoin exchange and marketplace that enables its customers to buy, sell, and spend bitcoins. The site offers an Application Programming Interface which allows the clients to access and control their accounts, using custom-written software.
In addition, it offers businesses e-commerce payment services that can transfer Bitcoin in order to provide users with secure trading by all possible measures of security as a comprehensive platform of Bitcoin. Crowdfunding site fundFlyer is used to publicize and generate awareness for their favorite projects and initiatives, all while raising funds in Bitcoin.
bitFlyer was established in January 2014 and is headquartered in Tokyo, Japan.. .
Gojo & Company
Gojo was founded to extend financial inclusion to everyone in the world beginning with the developing countries. Gojo encourages the formalization and growth of micro, small, and medium-sized enterprises.
Our long-term goal is to enable the provision of high-quality affordable financial services for 100+ million unserved and underserved people in 50+ countries by 2030. Five and half years since our establishment, we work in Cambodia, Myanmar, Sri Lanka and India with 3,400+ employees, serving more than 570,000 women who are also mothers..
Money Forward provides online personal accounting for individuals, allowing them to easily manage their daily expenses by integrating with their bank passbooks and credit purchase history with information scraped from their web bank and credit accounts. The service is also available for desktop, as well as iOS and Android platforms.
The company also announced that it will launch a cloud-based accounting service for individual and corporate users, and it will also start publishing an online newsletter.. .
justInCase, Inc. is the first pure InsurTech insurance company started its business in July 2018 in Japan.
justInCase was founded by experienced actuaries and data scientists. justInCase provides AI based smartphone insurance, API based accident insurance, P2P insurance, COVID-19 insurance, as well as AI based healthtech insurance..
Crowdcredit is cross-border marketplace lending platform operator. We provide risk capital to individuals and SMEs in financial deficit countries while we offer attractive lending opportunities to investors in financial surplus countries.
Currently, we are providing Japanese personal and SMEs investors with opportunities to lend to individuals and SMEs in Peru, Cameroon, Estonia, Finland, Spain and in Italy. In 2016, Crowdcredit is aiming to start raising funds and also to start lending in Asian region outside of Japan..
Coincheck operates a bitcoin and cryptocurrency exchange in Japan. The company engages in buying and selling of bitcoins and cryptocurrencies such as, Ethereum and Ripple.
It also provides payment and lending services of bitcoins. The company develops software for trading of bitcoins.
Coincheck was founded in 2012 and is based in Tokyo, Japan.. .
Crowd Cast, Ltd. is a Tokyo based Fintech startup.
Our vision is to enable cashless for the SME (Small and Medium-sized Enterprise) space that opens up a huge opportunity here in Japan. Staple and Staple Card is spend management solution to simplify payment process between company and employees.
It includes award-winning apps and GPR (general purpose reloadable), VISA branded corporate prepaid card that do not exist yet in Japan. Our mission is to enable startups and SMEs to use cards just like traditional corporate credit cards with very difficult to pass credit examinations and also to replace employees using traditional paper/excel based expense reports.
Companies can also save significantly on bank transfer fees by removing the need for reimbursements and visualize cash flow in real-time.. .
Coiney develops “Coiney” credit card payment service for businesses using smartphones and tablets. By inserting a Coiney dedicated leader into the earphone jack of the mobile terminal and using a dedicated application, you can easily make credit card payment anytime, anywhere, indoors and outdoors with internet connection.
Coiney Engine uses artificial intelligence to offer an evaluation of business enterprises based on the accumulation of payments history and various statistical data from the Coiney Terminal and Coiney Payge services. It is used to see the credibility of a company when they apply for business loans from banks partnering with the payments startup..
Orb is an enterprise software startup.Orb’s proprietary solution, SmartCoin, is an innovative solution that can be used by businesses to define and configure their own coin economy. Its robust, distributed, and highly secure ledger is leveraged by SmartCoin to provide provably fast transact.To date, Orb has raised approximately $5M USD for the purposes of conducting research and development of next generation distributed ledger technology, establishing new markets, and securing its first major enterprise customer.
Orb is proud to be a Japanese technology company with an international team and global aspirations.. .
Spinned out from LENDY, the balance-sheet online lending service for SMBs, Credit Engine is the only player that provides online lending platform for financial institutions in Japan. The company is founded in Nov 2018.
Its online lending platform enables financial institutions to launch their lending service of their own brand with sophisticated user interface and streamlined operation processes. The platform is selected by Japanese top-tier banks including Mitsubishi UFJ Financial Group and Mizuho Financial Group..
Smart Trade is an information technology company that provides a web-based platform designed for investors. Its platform act as an online marketplace for investment strategy environment software.
Smart Trade allows software developers to sell and upload their software online. The company was founded in 2016 and headquartered in Tokyo, Japan..
Keychain is the decentralized authentication blockchain platform for finance, IoT, and enterprise. Keychain provides a Decentralized Authentication Platform ™ that allows clients to solve concrete business problems related to authentication and access control in a way that enhances and integrates cleanly into existing systems and processes.
Seamless integration, instead of replacement, is a key advantage to achieving wide adoption of this powerful innovation. They are a technology company that believes in fortifying operational integrity in finance, IoT, and enterprise through well-engineered, business solutions.
They do that by applying the blockchain concept in a new way to concrete business problems that they understand through long experience in financial technology infrastructure.. .
Credit Saison is a Japanese financial services company. They will fulfill their corporate social responsibility by striving to meet the expectations of all of their customers, shareholders, and business partners.
They will compete successfully in the market by promoting their three shared values: practical implementation of the principles of customer satisfaction as a leading-edge service company; mutual respect for their interests and those of their business partners; and developing a corporate culture of creative innovation. They aim to develop and offer many settlement instruments such as credit cards and prepaid cards to reduce reliance on cash, which is still the main way to settle transactions, and enable a cashless society.
With measures to promote personal consumption, they are working to expand their client base, their card transaction value, and the scope of card settlements. With their entire corporate marketing system reinforced, they are working to move various kinds of corporate payments to cashless settlements by providing optimal solutions that match the needs and scale of companies.
They are working to establish multiple core earnings pillars through stronger relationships with their partners and the provision of financial functions tailored to market needs in their lease rental, credit guarantee, and finance-related businesses. In the rapidly-changing Internet business sector, the Company has stepped up its agile cooperation with companies with outstanding content and with startups that have promising technologies, along with efforts at new business development, in a bid to expand its Internet business.
They are preparing a foundation for a longer-term overseas strategy with an eye on forming strategic partnerships with local companies and Japanese companies expanding in these markets to enable us to advance in Asia’s non-bank market. Based on their belief that the personal growth of their staff constitutes the growth of their company, they are bolstering human resource development initiatives that make effective use of individual strengths and support the active participation of women in the workplace..
Prance Gold Holdings
Prance Gold Holdings is a multi-sector investment holding company. We aim to maximize cryptocurrency liquidity and minimize downtime by offering worldwide cryptocurrency holders a safe, secure, and viable option to park their funds during non-trading days for asset growth.
We are a technology firm focused on the growth of digital assets for retail and corporate firms through transparent, short to mid-term cryptocurrency arbitrage on world-renowned major exchanges around the world.. .
Fintech Association of Japan
Fintech Association of Japan is a startup focusing on the health industry, fintech ecosystem, and accelerating open innovations. It promotes open innovation in the Japanese Fintech industry by creating networking opportunities for its members, researching emerging market trends, and cooperating with domestic, international, and government organizations.
Fintech Association of Japan aims are to support the development of fintech startup corporations and fintech ecosystem in Japan and to provide financial services that are more convenient and useful to consumers. It was founded on September 24, 2015, and is based in Tokyo, Japan..
Invast Securities Co., Ltd
As a listed company with over 50 years of corporate history in Japan, Invast Securities is deeply rooted in the Japanese financial market and provides innovative financial solutions to our clients. We also supported the launch and growth of our award-winning institutional business based in Australia.
Our services in Japan include “ST 24”, an automated trading program that can be run by simply choosing your own trading algorithm, “Tri-Auto FX”, an automated trading program that users can set their own price difference and “Tri-Auto ETF”, first in the industry that provides free ETF automated trading services. Our Invast Mission Project allows you to accumulate points through trading with Invast and the points can be exchanged for donations to support non-profit organizations.
Our Scholarship Program is aimed for providing incentives to those employees who received student loans during their studies at university. Our mission is to make the world we live in a better place.
Our vision is to create financial solutions with a global base of 10 million users by 2025.. .
Another lane is a credit card number handling contract conclusion company. It promotes business daily based on the principle of making the world convenient through various payment methods, including credit payment agency services.
They are working on various new businesses such as terminal development business, gift card business, and finance-related business. It was founded on October 21, 2002, and is headquartered in Tokyo, Japan..
We are a leading digital media and information services provider for the crypto asset and blockchain technology community. Our mission is to inform, educate, and connect the global community while removing barriers to making transactions.
Founded in November 2017, we operate one of the top cryptocurrency portals, CoinJinja.com, and the popular cryptocurrency portfolio management app, CoinView. These two products dominate their respective niches within Japan, and we are in the process of expanding our reach among speakers of English, Chinese, and Korean.
We also have a growing number of email newsletter subscribers and social media followers. On the B2B side, we offer a range of advertising services to top blockchain projects seeking to grow their brand awareness and accelerate the adoption of their token in Japan and beyond..
INORU empowers financial institutions with the most comprehensive credit software, which allows you to automate the entire process of loan accounting and monitoring. From front end interfaces to backend workflows, we’ve got it all covered.
Our Lending Software Development is to the latest specifications in the market. It offers a customer-centric approach and the ultimate loan processing capabilities..
Global Risk Exchange
Global Risk Exchange (or “GRE”) is a blockchain based, decentralized and open global risk exchange market, with the purpose of helping individuals, companies and organizations to access and trade and manage their risks. GRE completely reconstructed traditional risk management tools(insurance and derivative contracts) in a decentralized way, and will become the underlying operation system to support insurance and derivative transactions in the era of blockchain.
GRE aims to build the infrastructure and trading platform for risk management industry in the blockchain driven world in the near future, by providing a fundamental protocol for the creation of risk events, pricing, trading, information collection and oracles to verdict specific risks. It will enable individuals and institutions around the globe to achieve risk and return equilibrium..
bitFlyer Holdings is the parent company of bitFlyer. It provides internet financial services and offers digital currency transaction and settlement services.
It was established on October 1, 2018, and is headquartered in Akasaka, Tokyo, Japan.. .
ANA Digital Gate
ANA Digital Gate is a joint-venture company for corporate settlement solutions business that leverages FinTech. The company has a product called mPOS, a multi-payment service using a smartphone or tablet application and a dedicated card reader.
ANA Digital Gate was founded in October 2016 and is headquartered in Tokyo, Japan.. .
Aisys is a computer company that specializes in cloud, blockchain system development, system consult, and centering on Instec. They also substitute the RFP and RFI for other vendors and the evaluation of vendor responses.
The company has provided system design, development, and maintenance services for the insurance industry of nonlife and life insurance company. Aisys was founded in July 2013 and is based in Tokyo, Japan..
BlockTec is a company that primarily engages in blockchain consulting, public chain development, advertising business related to blockchain, and development and operation of APP products. It aims to incorporate blockchain technology into fields such as Fintech, finance, and IoT.
BlockTec was founded in June 2018.. .
BIZVAL provides merger and acquisition advisory services for small and medium-sized enterprises. The company’s mission is to maximize the corporate value of small and medium-sized enterprises, and provides different services to corporate owners and merger and acquisition advisors.
It is a CFO concierge service that ensures that the financing environment of start-up companies is more transparent and anyone can easily raise funds. BIZVAL was founded in January 2018 and is headquartered in Tokyo, Japan..
Nishi-Nippon provides banking and financial services for individuals, and small and medium-sized enterprises in Japan and internationally through its subsidiaries. It accepts various deposit products, including current deposits, ordinary deposits, deposits at notice, time deposits, negotiable certificates of deposit, and other deposits.
Nishi-Nippon also provides loans, securities, and domestic and foreign currency exchange services. Moreover, it provides credit card, credit guarantee, credit management, restructuring support, claims servicing, financial instruments, exchange, and other incidental services.
Nishi-Nippon operated through a network of 183 branches of The Nishi-Nippon City Bank and 23 branches of The Bank of Nagasaki in Japan as well as 4 representative offices in Hong Kong, Seoul, Shanghai, and Singapore as of March 31, 2018. It began operation in 1944, with its headquarters in Fukuoka in Japan..
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