SMBC Group
drives social value
through
digital innovation

Supermarket chain Lopia leaps from cash-only to cashless payments via its own payment system

1. First step away from cash-only to cashless payments while minimizing store burden
2. Bank Pay’s multi-bank reach enables a one-stop approach—regional banks included
3. Close collaboration feeds five years of planning into a three-month rollout
4. App design carefully balances ease of use and security
5. Cashless payments and data utilization open the way for a new customer experience

Development Revolution Powered by Silicon Valley Technology: Behind the Scenes of Replit’s Adoption

1. Starting Point: Voices from the team Seeking Faster Development
2. An Intuitive, Secure, and Flexible Development Experience
3. Impact After Implementation and Future Outlook
4. Finally—The Value of Startup Collaboration

Digital subsidiary advisory board makes full use of outside knowhow to accelerate growth of inhouse startups

1. Advisory board brings in external knowhow to break the growth barrier
2. Success hinges on the CEO’s commitment and capital strategy
3. Building a big company startup success model to support the ambition to change society

SMBC Legal X transforms contract processing with its sights set on global markets and a trillion-yen market cap

1. From SMBC CLOUDSIGN to SMBC Legal X
2. Moving into India with the best partner at the best moment
3. Leading Japanese law firm goes all-in with first-ever capital tie-up
4. Coexisting with the dramatically changing AI environment
5. New SMBC Group corporate culture focuses on the offense
6. Using trust and market capabilities to take on global markets and achieve a trillion-yen market cap

SMBC Group Drives the Stablecoin Future with an All-Star Collaboration

1. Stablecoins as a new financial infrastructure
2. Four-firm collaboration realizes a finance x Web3 all-star team
3. Reliable design backed by advanced security and infrastructure
4. Stablecoin implementation strategy exploiting Japan’s institutional advantage
5. Stablecoins as the catalyst for Japan’s return to growth

Co-Creating the Future with Startups — How RCBC and SMBC are Driving Financial Innovation