SMBC Group
drives social value
through
digital innovation

Digital innovation is at the heart of SMBC Group’s business strategies. From enhancing customer convenience, improving our productivity and upgrading infrastructure, to creating new business opportunities, we innovate solutions that answer to the evolving needs of the people around us.
Through active engagement with partners and the establishment of our innovation centers across the world, we aim to employ digital technology in meaningful ways to make sustainability a reality.

How SMBC-GAI Learned to Cross-Search 1.3 Million Internal Documents: Behind the Scenes of Japan’s Largest Class RAG Implementation

Mar. 26, 2026

Why we wanted an organization-wide AI
Large-scale RAG development was “learning on the run”
In-house development addresses the specialized nature of banking operations
Powering Japan’s Largest RAG Implementation with 2,000 Virtual Machines
SMBC-GAI’s growing popularity and the road ahead

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

Feb. 26, 2026

First step away from cash-only to cashless payments while minimizing store burden
Bank Pay’s multi-bank reach enables a one-stop approach—regional banks included
Close collaboration feeds five years of planning into a three-month rollout
App design carefully balances ease of use and security
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

Jan. 22, 2026

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

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

Dec. 25, 2025

Advisory board brings in external knowhow to break the growth barrier
Success hinges on the CEO’s commitment and capital strategy
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

Nov. 27, 2025

From SMBC CLOUDSIGN to SMBC Legal X
Moving into India with the best partner at the best moment
Leading Japanese law firm goes all-in with first-ever capital tie-up
Coexisting with the dramatically changing AI environment
New SMBC Group corporate culture focuses on the offense
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

Oct. 23, 2025

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

SMBC Group drives social valuethrough digital innovation

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