01Bank

01Bank is a digital bank in Japan that specializes exclusively in serving small and medium-sized enterprises (SMEs) and individual business owners. It is the first internet-based bank in Japan to focus entirely on corporate clients rather than individual consumers.

Established as a wholly-owned subsidiary of Senshu Ikeda Holdings, 01Bank operates with 4 billion yen in total capital and capital surplus. The bank represents a pioneering approach to business lending by leveraging data from cloud-based platforms and e-commerce services to evaluate creditworthiness, moving beyond traditional collateral-based and financial statement-based lending models.