JapanFinance and insurance2023 – ongoingMebuki Financial Group
AI personal-loan underwriting
Mebuki reported automated decisions for about 60–70% of personal-loan applications
Problem
Personal-loan applications previously required manual underwriting.
Approach
Mebuki began AI underwriting in December 2023. It covered housing and unsecured personal loans and enabled same-day responses.
Results
概ね6～7割applications receiving automated underwriting responses, per Mebuki
9名分underwriters' equivalent workload saved, per Mebuki
Takeaway
The workload saving was expressed as staffing capacity, without a reported reduction in headcount.
Categories
- Size
- Large enterprise
- Industry
- Finance and insurance
- Business function
- Finance, risk and legal
- Innovation type
- Process innovation
- AI technology
- Predictive analytics and ML
- Adoption
- Built in-house
- Evidence
- Company's own claim
Sources
Source summaries
[1]Mebuki Financial Group2024
Mebuki reported operational AI underwriting. It attributed automation of about 60–70% of applications and workload savings equivalent to 9 underwriters to the system.
Full details are in the original sources.
Added 1 Nov 2026 · Updated 1 Nov 2026
