日本線上銀行市場前景及投資研究報(bào)告-培訓(xùn)課件外文版2024.5

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TRENDSOnlinebankinginJapanCHAPTER

01OverviewShareofpeoplewhousetheinternetinJapanin2022,byagegroupInternetusagerateJapan2022,byagegroup120%98.1%98.6%97.9%97.9%100%80%60%40%20%0%95.4%86.2%86.8%65.5%33.2%6to12years13to19years

20to29years

30to39years

40to49years

50to59years

60to69years

70to79years80yearsandolder4Description:AccordingtoasurveyconductedinJapanin2022,morethan98percentofrespondentsintheirtwentiesandthirtiesusedtheinternet.Amongrespondentsaged80yearsandolder,theinternetpenetrationratestoodatabout33percent.

ReadmoreNote(s):Japan;August2022;38,629respondents;householdmembersaged6yearsandolder;surveyanswerswereretrievedviamailande-mailSource(s):MinistryofInternalAffairsandCommunications(Japan)ShareofpeoplewhousetheinternetinJapanasofAugust2022,bydeviceInternetpenetrationrateJapan2022,bydeviceShareofrespondentswhousetherespectivedevicetoaccesstheinternet0%10%20%30%40%50%60%70%80%Smartphones71.2%PCsTVsthatcanbeconnectedtotheinternetTablets48.5%27.1%26.4%Gameconsoles18%Mobilephones*10.3%5Description:Morethan71percentofpeopleinJapanusedsmartphonestoaccesstheinternetasofAugust2022.Smartphonesweretheleadingdevicestoaccesstheinternet,followedbyPCsandtablets.

ReadmoreNote(s):Japan;August2022;38,629respondents;householdmembersaged6yearsandolder;multipleanswerspossible;surveyanswerswereretrievedviamailande-mail;*Excludingsmartphones.

ReadmoreSource(s):MinistryofInternalAffairsandCommunications(Japan)Householdpenetrationrateofinformationandcommunicationtechnology(ICT)devicesinJapanin2022,bytypeHouseholdpenetrationrateofICTdevicesJapan2022,bytypeHouseholdpenetrationrate0%10%20%30%40%50%60%70%80%90%100%110%Mobilephones*Smartphones97.5%90.1%Computers69%Fixed-linetelephonesTablets63.9%40%HomegameconsolesFax32.4%30%SmarthomeappliancesWearables10.7%10%7.5%Portablemusicplayers6Description:AccordingtoasurveyconductedinAugust2022,thehouseholdpenetrationrateofmobilephonesinJapanstoodat97.5percent.Thesurveyshowedthatthepenetrationrateofsmartphonessurpassedthoseofcomputers,whilesmarthomeappliancesandwearableswereownedbyamuchsmallershareofhouseholds.ReadmoreNote(s):Japan;August2022;17,968households;householdsheadedbysomeoneaged20yearsorolder;surveyanswerswereretrievedviamailande-mail;*Includesfeaturephones,PHS,andsmartphones.

ReadmoreSource(s):MinistryofInternalAffairsandCommunications(Japan)PenetrationrateofonlinebankinginJapanfrom2013to2028PenetrationrateofonlinebankinginJapan2013-20286056.954.7952.6350.4548.23504030201004643.7741.5439.3137.1934.7433.0631.7729.2226.3123.9220132014201520162017201820192020202120222023202420252026202720287Description:TheonlinebankingpenetrationrateinJapanwasforecasttocontinuouslyincreasebetween2024and2028byintotal10.9percentagepoints.Afterthefifteenthconsecutiveincreasingyear,theonlinebankingpenetrationisestimatedtoreach56.9percentandthereforeanewpeakin2028.Notably,theonlinebankingpenetrationrateofwascontinuouslyincreasingoverthepastyears.ReadmoreNote(s):Japan;2013to2028;allvaluesareestimatesSource(s):DistributionofpaymentsfromindividualsalaryaccountsofbanksinJapanin2022,bytypeDistributionofpaymentsfrombankaccountsinJapan2022,bytypeShareofpayments10%

15%0%5%20%25%30%35%40%45%42.5%Cash(ATMwithdrawals,etc.)Creditcardpayments,etc.(directdebits)Other(directdebits)19.3%14.8%13.9%Paymentsviaonlinebanking(banktransfers)PaymentsviaATMs(banktransfers)Other(banktransfers)3.4%3.4%Publicutilitycharges*(directdebits)Debitcardpayments(directdebits)PayEasy**1.7%0.7%0.3%8/statistics/1222150/japan-breakdown-of-payouts-from-bank-accounts-by-typeIn2022,cashaccountedfor42.5percentofpaymentsfromindividualsalaryaccountsofbanksinJapan.Creditcardsaccountedforthelargestshareofcashlesspayments,at19.3percent.Overall,theshareofcashlesspaymentswas57.5percent.

ReadmoreNote(s):Japan;2022;salaryaccountsofsixbanksSource(s):JapaneseBankersAssociationLeadingbankingappsinJapanin2022,bydownloads(in1,000s)MostdownloadedbankingappsinJapanin2022Downloadsinthousands05001,0001,5002,0002,500SumitomoMitsuiCardVpassApp(SumitomoMitsuiCardCompany,Limited)MUFGBank(MUFGBank,Ltd.)2,062.231,988.961,896.52RakutenBank-AppforIndividualCustomers(RakutenBank,Ltd.)dCardApp(NTTDocomo,Inc.)SumitomoMitsuiBankingApp(SumitomoMitsuiBankingCorporation)BundleCard(Kanmu,Inc.)1,6711,487.521,292.84MyJCB(JCBCo.,Ltd.)MizuhoBank-MizuhoDirectApp(MizuhoBank,Ltd.)MySevenBank(SevenBank,Ltd.)1,042.991,021.33810.27MinnaBank(MinnaBank,Ltd.)555.98GooglePay:SaveandPay(GoogleLLC)TSCUBICApp(ToyotaFinanceCorporation)LINEMO(SoftBankCorp.)367.11313.66167.33121.6990.86J-CoinPay(MizuhoBank,Ltd.)Alipay(Alipay(Hangzhou)TechnologyCo.,Ltd.)9Description:In2022,SumitomoMitsuiCardCompany'sVpassappwastheleadingbankingapplicationinJapan,witharound2.1milliondownloads.MUFGBank'sbankingappfollowed,with1.99milliondownloads.ReadmoreNote(s):Japan;2022;15leadingappsavailableforfreeSource(s):AppMagicCHAPTER

02OnlineservicesofmajorbanksNumberofcustomerssubscribedtotheonlinebankingserviceSMBCDirectofSumitomoMitsuiBankingCorporationfrom2019to2023(inmillions)SumitomoMitsuiBankingCorporation'snumberofonlinebankingcustomers2019-20232519.89201510519.0318.2917.4716.5302019202020212022202311Description:AsofMarch2023,thenumberofcustomerssubscribedtoSumitomoMitsuiBankingCorporation'sonlinebankingserviceSMBCDirectreached19.89million.Thenumberofclientsincreasedfrom19.03millioninthepreviousyear.

ReadmoreNote(s):Japan;2019to2023;asofMarcheachyear;figuresforSMBC'sretailbusiness;numberofsubscribersSource(s):SMFGNumberofremotebankingtransactionsatSumitomoMitsuiBankingCorporationfrom2019to2023(inmillions)SumitomoMitsuiBankingCorporation'sremotebankingtransactionvolume2019-20231,00090089380380070060050040030020010006645494852019202020212022202312Description:AsofMarch2023,thenumberofremotebankingtransactionsinSumitomoMitsuiBankingCorporation'sretailbankingsegmentreached893million.Thenumberoftransactionsincreasedby90millioncomparedtothepreviousyear.

ReadmoreNote(s):Japan;2019to2023;asofMarcheachyear;figuresforSMBC'sretailbusinessSource(s):SMFGNumberofcustomerssubscribedtotheonlinebankingserviceofMizuhoBank,Ltd.from2020to2023(inmillions)MizuhoBank'snumberofMizuhoDirectonlinebankingcustomers2020-20231412.4512.2812.3412.11121086420202020212022202313/statistics/1310426/mhbk-number-online-banking-subscribersAsofMarch2023,thenumberofcustomerssubscribedtoMizuhoDirect,theonlinebankingserviceofMizuhoBank,Ltd.,reached12.45million.Thenumberofonlinebankingcustomersslightlyincreasedfrom12.34millioninthepreviousyear.

ReadmoreNote(s):Japan;2020to2023;asofMarch31eachyear;domesticretailbusiness;numberofsubscribersSource(s):MHFGNumberofaccountsregisteredwiththeonlinebankingserviceofJapanPostBankCo.,Ltd.from2020to2023(inmillions)JapanPostBank'snumberofYuchoDirectonlinebankingcustomers2020-20231210.769.841089.248.316420202020212022202314Description:AsofMarch2023,thenumberofcustomerssubscribedtoYuchoDirect,theonlinebankingserviceofJapanPostBankCo.,Ltd.,reached10.76million.Thenumberofonlinebankingclientsincreasedfrom9.84millioninthepreviousyear.

ReadmoreNote(s):Japan;2020to2023;asofMarcheachyearSource(s):JapanPostBankNumberofaccountsregisteredforthebankbookappofJapanPostBankCo.,Ltd.from2020to2023(in1,000s)JapanPostBank'snumberofYuchoBankbookAppaccountsregistered2020-20238,0007,0006,0005,0007,4504,8104,0002,8303,0002,0001,000076202020212022202315Description:AsofMarch2023,thenumberofaccountsregisteredinYuchoBankbookApp,thebankbookappofJapanPostBankCo.,Ltd.,amountedtoabout7.45million.Figuresincreasedfrom4.81millionregisteredaccountsinthepreviousyear.

ReadmoreNote(s):Japan;2020to2023;asofMarch31eachyearSource(s):JapanPostBankNumberofcustomersusingtheonlinebankingserviceofMUFGBank,Ltd.fromfiscalyear2017to2022(inmillions)MUFGBank'snumberofMitsubishiUFJDirectonlinebankingusersFY2017-20221099.38.287.175.965432104.74.320172018201920202021202216Description:Inthefiscalyear2022,around9.3millioncustomersusedtheonlinebankingserviceofMUFGBank,Ltd.,MitsubishiUFJDirect.Comparedtothepreviousfiscalyear,thenumberofinternetbankingusersincreasedbymorethanonemillion.

ReadmoreNote(s):Japan;fiscalyear2017to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;onlinebankingforindividualcustomersSource(s):MitsubishiUFJFinancialGroupCHAPTER

03LeadingdirectbanksNetincomeofRakutenBank,Ltd.fromfiscalyear2013to2022(inbillionJapaneseyen)RakutenBank'snetincomeFY2013-20223025201527.6920.0419.3419.0418.9616.4313.5310.1120151058.567.45020132014201620172018201920202021202218Description:Inthefiscalyear2022,thenetincomeofRakutenBank,Ltd.amountedto27.69billionJapaneseyen.Comparedtothepreviousyear,thebank'snetincomeincreasedbyabout38.1percent.RakutenBank,Ltd.isaJapaneseonlinebankthatispartoftheRakutenGroup.ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;consolidatedfigures;netincomeattributabletoownersoftheparentcompanySource(s):RakutenBankNetincomeofSBISumishinNetBank,Ltd.fromfiscalyear2013to2022(inbillionJapaneseyen)SBISumishinNetBank'snetincomeFY2013-2022252019.917.11513.912.511.910.49.99.81058.47.10201320142015201620172018201920202021202219Description:Inthefiscalyear2022,thenetincomeofSBISumishinNetBank,Ltd.amountedto19.9billionJapaneseyen.Comparedtothepreviousyear,thebank'snetincomeincreasedby16.5percent.SBISumishinNetBankisaJapaneseonlinebankthatwasestablishedin2007.ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;consolidatedfigures;netincomeattributabletoownersoftheparentSource(s):SBISumishinNetBankProfitofSonyBankfromfiscalyear2013to2022(inbillionJapaneseyen)SonyBank'sprofitFY2013-20221413.011210810.797.537.086.3664.724.593.9143.453.3120201320142015201620172018201920202021202220Description:Inthefiscalyear2022,SonyBank'sprofitamountedtoabout13billionJapaneseyen.SonyBankisaJapanesecommercialbankestablishedin2001.ItoperatesasadirectbankandhasnophysicalbranchesorATMs.ItisoneofthelargestonlinebanksinJapanandasubsidiaryofSonyFinancialHoldings.ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;profitattributabletoownersofparent;consolidateddataSource(s):SonyBankNetincomeofauJibunBankCorporationfromfiscalyear2013to2022(inbillionJapaneseyen)auJibunBank'snetincomeFY2013-202287.227654326.495.52.521.891.891.81.491.281.0710201320142015201620172018201920202021202221Description:Inthefiscalyear2022,thenetincomeofauJibunBankCorporationamountedtoaround6.5billionJapaneseyen.auJibunBankCorporationisacommercialbankestablishedin2008asajointventurebetweenKDDICorporationandMUFGBank.ItoperatesasadirectbankandhasnophysicalbranchesorownATMs.ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):auJibunBankNetincomeofPayPayBankCorporationfromfiscalyear2013to2022(inbillionJapaneseyen)PayPayBank'snetincomeFY2013-20225.04.54.04.483.943.53.072.883.02.52.01.51.00.50.02.312.082.072.091.511.12201320142015201620172018201920202021202222Description:Inthefiscalyear2022,thenetincomeofPayPayBankCorporationamountedto4.48billionJapaneseyen.Comparedtothepreviousyear,thebank'snetincomeincreasedbyaround537millionyen.PayPayBank,formerlyknownasJapanNetBankLtd.,isaJapaneseonlinebankthatwasestablishedin2000.ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):PayPayBankCorporationNetincomeofDaiwaNextBank,Ltd.fromfiscalyear2013to2022(inbillionJapaneseyen)DaiwaNextBank'snetincomeFY2013-20221210.310866.24.74.24.134203.562.922.912.422.46201320142015201620172018201920202021202223/statistics/1412435/daiwa-next-bank-net-incomeInthefiscalyear2022,thenetincomeofDaiwaNextBank,Ltd.amountedtoaround4.1billionJapaneseyen.DaiwaNextBankisaJapaneseonlinebankthatstartedoperationsin2011.Asadirectbank,itdoesnothavephysicalbranchesorATMs.

ReadmoreNote(s):Japan;fiscalyears2013to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):DaiwaNextBankCHAPTER

04CustomerdemographicsofdirectbanksGenderdistributionofcustomersatRakutenBank,Ltd.asofMarch2023RakutenBank'scustomersbygender2023Female41%Male59%25Description:AsofMarch2023,around59percentofcustomersatRakutenBank,Ltd.weremen.RakutenBankisaJapanesedirectbankthatwasestablishedin2000andispartofRakutenGroup.

ReadmoreNote(s):Japan;March2023Source(s):RakutenBankAgedistributionofcustomersatRakutenBank,Ltd.asofMarch2023RakutenBank'scustomersbyagegroup202330%26%24%25%20%15%10%5%21%13%13%3%0%Under20years20to29years30to39years40to49years50to59years60yearsandolder26Description:AsofMarch2023,around26percentofcustomersatRakutenBank,Ltd.werebetween40and49yearsold.Theagegroupof30to39-year-oldsaccountedfor24percentofthebank'scustomers.

ReadmoreNote(s):Japan;March2023Source(s):RakutenBankGenderdistributionofcustomersatSBISumishinNetBank,Ltd.in2023SBISumishinNetBank'scustomersbygender2023Female34%Male66%27/statistics/1234998/sbi-sumishin-net-bank-gender-distribution-of-customersIn2023,around66percentofcustomersatSBISumishinNetBank,Ltd.weremen.AsofMarch2022,morethanfivemillioncustomershadopenedbankaccountsatthebank.SBISumishinNetBankisaJapanesedirectbankthatwasestablishedin2007.ReadmoreNote(s):Japan;2023Source(s):SBISumishinNetBankAgedistributionofcustomersatSBISumishinNetBank,Ltd.in2023SBISumishinNetBank'scustomersbyagegroup202330%28%26%25%20%15%10%5%20%11%10%5%0%0%10to19years20to29years30to39years40to49years50to59years60to69years70yearsandolder28Description:In2023,around28percentofcustomersatSBISumishinNetBank,Ltd.werebetween40and49yearsold.Theagegroupof30to39-year-oldsaccountedfor26percentofthedirectbank'scustomers.

ReadmoreNote(s):Japan;2023Source(s):SBISumishinNetBankGenderdistributionofcustomersatPayPayBankCorporationasofMarch2023PayPayBank'scustomersbygender2023Female30%Male70%29Description:AsofMarch2023,around70percentofcustomersatPayPayBankCorporationweremen.PayPayBank,formerlyknownasJapanNetBankLtd.,isaJapaneseonlinebankthatwasestablishedin2000.

ReadmoreNote(s):Japan;2023;asofMarchSource(s):PayPayBankCorporationAgedistributionofcustomersatPayPayBankCorporationasofMarch2023PayPayBank'scustomersbyagegroup202335%30%29%25%22%22%20%15%10%5%18%7%2%0%Upto29years30to39years40to49years50to59years60to69years70yearsandolder30Description:AsofMarch2023,around29percentofcustomersatPayPayBankCorporationwereagedbetween40and49years.Customersintheirtwentiesandthirtiesfollowed,accountingforashareof22percent,respectively.PayPayBank,formerlyknownasJapanNetBankLtd.,isaJapaneseonlinebankthatwasestablishedin2000.ReadmoreNote(s):Japan;2023;asofMarchSource(s):PayPayBankCorporationCHAPTER

05OnlinebankingusageUsageofinternetbankingservicescomparedtopriortothecoronavirus(COVID-19)pandemicinJapanasofFebruary2022OnlinebankingusagecomparedtobeforetheCOVID-19pandemicinJapan202260%50%40%48.4%30.7%30%20%11.5%9.4%10%0%Haveusedonlinebankingbefore,but

Hadnotusedonlinebankingbefore,useitmoreoftennow

butuseitnowUseonlinebankinglessoftenthan

Havenotusedonlinebankingbefore,before

anddonotuseitnow32Description:InasurveyconductedinFebruary2022,30.7percentofrespondentsinJapanstatedthattheyusedonlinebankingmoreoftencomparedtobeforetheCOVID-19pandemic.Whileaslightmajorityofrespondentsreportedthattheiruseofdigitalbankingserviceshadchangedduringthepandemic,over48percenthadnoexperienceusingonlinebanking.ReadmoreNote(s):Japan;February2022;6,240respondents;15-79yearsSource(s):MobileSocietyResearchInstituteUsageofinternetbankingservicescomparedtopriortothecoronavirus(COVID-19)pandemicinJapanasofFebruary2022,byagegroupOnlinebankingusagecomparedtobeforetheCOVID-19pandemicinJapan2022,byageHaveusedonlinebankingbefore,butuseitmoreoftennowUseonlinebankinglessoftenthanbeforeHadnotusedonlinebankingbefore,butuseitnowHavenotusedonlinebankingbefore,anddonotuseitnow120%100%80%60%40%20%0%43.3%44.5%46.1%45.2%50.7%56.1%60.6%9.5%12%8.2%10.4%14.2%11.8%16.6%7.6%7.8%12.1%9%7.2%11.1%13.3%35.2%35.2%33.8%30.2%27.7%25.6%15%10-19years20-29years30-39years40-49years50-59years60-69years70-79years33Description:InasurveyconductedinJapaninFebruary2022,around35.2percentofrespondentsintheirfortiesandfiftiesstatedthattheyusedonlinebankingmoreoftencomparedtobeforetheCOVID-19pandemic.Over56percentofrespondentsaged70to79hadnoexperienceusingonlinebanking.ReadmoreNote(s):Japan;February2022;6,240respondents;15-79yearsSource(s):MobileSocietyResearchInstituteShareofconsumerswhohaveconductedfinancialtransactionsonlineinthepastyearinJapanin2022,byagegroupandgenderInternetusageforfinancialtransactionsinJapan2022,byagegroupandgenderMalerespondents39.7%Femalerespondents38.8%45%40%35%30%25%20%15%10%5%37.1%30.8%29.5%26.8%25.7%22.8%22.4%20.4%13.7%13.9%6.7%3%2.3%1.8%0.1%0%6to12years13to19years20to29years30to39years40to49years50to59years60to69years70to79years80yearsandolder34Description:AccordingtoasurveyconductedinJapanin2022,theshareofrespondentswhohadusedtheinternetforfinancialtransactionsinthepastyearwasthehighestamongmenintheirthirties,at39.7percent.Theshareofmalerespondentswhohadconductedbanking,securities,orinsurancetransactionsonlinewashigherinmostagegroups.ReadmoreNote(s):Japan;August2022;32,886*;sixyearsorolder;amongrespondentswhohaveusedtheinternetinthepastyear;postalquestionnaireande-mailsurvey;*Surveysampleafterweightadjustments.Including16,503maleand16,383female[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)ShareofconsumersusingtheinternettoconductfinancialtransactionsinJapanin2022,byprefectureInternetusageforfinancialtransactionsinJapan2022,byprefectureShareofrespondents20%0%5%10%15%25%30%35%40%TokyoHyogoAichi34.6%27.4%27.4%KanagawaChiba26.7%25.6%25.4%24.2%OsakaTokushimaHiroshimaIshikawaKyoto22.2%22.1%21.7%SaitamaIbaraki21.6%21.5%21.5%Gifu35Description:InasurveyconductedinJapanin2022,around34.6percentofrespondentsfromTokyoPrefecturestatedthattheyhadusedtheinternettoconductfinancialtransactionswithinthepastyear.TheshareofrespondentsconductingfinancialtransactionsonlinewasthelowestinNiigataPrefecture.ReadmoreNote(s):Japan;August2022;31,844*;sixyearsorolder;amongrespondentswhohaveusedtheinternetinthepastyear;postalquestionnaireande-mailsurvey;*32,886responsesafterweightadjustments.Includingbanking,securities,and[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)ShareofconsumerswhohaveusedonlineandmobilebankingtopayforonlinepurchasesinthepastyearinJapanin2022,byagegroupandgenderOnlinebankingusageamongdigitalbuyersinJapan2022,byagegroupandgenderMalerespondentsFemalerespondents30.3%35%30%25%20%15%10%5%30.3%23.9%23.6%20.6%20.5%16.3%15.9%14.6%14%14%11.3%9%3.8%3.1%1.1%70to79years

80yearsandolder0%15to19years20to29years30to39years40to49years50to59years60to69years36Description:AccordingtoasurveyconductedinJapanin2022,around30.3percentofthemalerespondentsintheirfiftiesandsixtieshadusedonlineandmobilebankingtopayforonlinepurchasesorfinancialtransactionsmadeinthepastyear.Theshareoffemalerespondentsusingonlinebankingwasgenerallylower.Whilecreditcardswerethemostpopularpaymentmethod,around19percentofmenandwomenhadusedonlineandmobilebankingmethodstopayforgoodsandservicesbought[...]

ReadmoreNote(s):Japan;August2022;19,056*;15yearsorolder;postalquestionnaireande-mailsurvey;*Samplesizeafterweightadjustments.Including9,898maleand9,158femalerespondents.Amongconsumerswhohavepurchasedproducts,[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)NumberofPay-easytransactionsmadeviaonlinebankinginJapanfrom2017to2022(inmillions)Pay-easytransactionvolumeviaonlinebankinginJapan2017-2022605056.2449.0243.8237.924034.3232.05302010020172018201920202021202237Description:In2022,thenumberofPay-easytransactionsmadeviaonlinebankinginJapanincreasedtoaround56.2million.Pay-easyisapaymentservicethatallowsconsumerstomakepaymentsatATMsorviaonlineandmobilebanking.Itcanbeusedfortaxpayments,publicutilities,andonlineshopping.ReadmoreNote(s):Japan;2017to2022Source(s):JapaneseBankersAssociationCHAPTER

06FraudNumberofonlinebankingfraudcasesrecordedbythepoliceinJapanfrom2013to2022NumberofonlinebankingfraudsinJapan2013-20222,0001,8761,8721,7341,8001,6001,4001,2001,0008001,4951,3151,2911,1365846004254003222000201320142015201620172018201920202021202239Description:ThepoliceinJapanrecorded1,136casesofonlinebankingfraudin2022,whichconstitutedastrongincreasecomparedtothepreviousyear.Manyofthecaseswereseenasbeingcausedbyphishingincidents,suchase-mailsimpersonatingfinancialinstitutions.Similartotherecordednumberofonlinebankingfraudcases,theamountofmoneylostduetoonlinebankingfraudsincreasedagainaftertwoyearsofdecliningfigures.ReadmoreNote(s):Japan;2013to2022Source(s):NationalPoliceAgency(Japan)AmountofmoneylostthroughdamagescausedbyonlinebankingfraudinJapanfrom2013to2022(inbillionJapaneseyen)ValueofdamagescausedbyonlinebankingfraudinJapan2013-20223.53.072.913.02.52.01.51.00.50.02.521.691.521.411.131.080.820.46201320142015201620172018201920202021202240Description:TheamountofmoneylostthroughdamagescausedbyonlinebankingfraudinJapanamountedtomorethan1.5billionJapaneseyenin2022.Theamountincreasedagainaftertwoyearsofdecliningfigures.

ReadmoreNote(s):Japan;2013to2022Source(s):NationalPoliceAgency(Japan)NumberofunauthorizedwithdrawalsthroughinternetbankinginJapanfromfiscalyear2013to2022,byaccountholderNumberofillegalonlinebankingwithdrawalsinJapanFY2013-2022,byaccountholderIndividualaccountsCorporateaccounts1,6281,8001,6001,4001,2001,0008001,6821,2951,1241,056980576600400235241223200