fundamental value

Offer a social infrastructure available anytime with safety and security

Social issues to be addressed

Amid drastic changes in the environment surrounding the financial sector, the provision of a safe and secure settlement infrastructure is now one of the most important issues against the backdrop of the growth of digital payments in addition to the increasing sophistication and ingenuity of financial crimes and increase in cyber attacks. In addition, as natural disasters are getting to cause severer damages than before, there is a need to establish and support a safe and secure infrastructure for people’s life.

Vision

Seven Bank will provide ATM services that are available at any time in daily life by building a security system that is solid whether at normal times or in an emergency, as well as an organization and structure to minimize operation suspensions in the event of an emergency, to become a social infrastructure that provides safety and security to society.

Seven Bank's Major Initiatives

Seven Bank ATMs that are Available for Safe and Secure Use at any Time
Contributing to the Safety and Security of Society as a Whole

Seven Bank ATMs that are Available for Safe and Secure Use at any Time

Our Initiatives Behind Non-stop ATM

Seven Bank has established the safe and secure ATM network which is always available in customers’ daily life to support providing various convenient services.
The following initiatives have enabled us to achieve a 99.98% utilization rate for the 27,000+ ATMs we have installed nationwide.

● Duplicated system bases

The operation of our critical systems and functions are duplicated in our eastern and western bases in Japan, which allows us to provide “non-stop ATM” service, services available for 24 hours a day, 365 days a year. This also enables us to establish a structure to continue our business in one of the two bases in case of a major disaster in the other base.

● Prevention and speedy recovery of out of cash and system failure incidents

In collaboration with our partner companies, all ATMs and the network are under manned live monitoring to ensure stable operation.
If unpredicted service outages arise, a maintenance specialist with expertise arrives on site and works towards immediate recovery.
Our wide range of initiatives includes the use of AI technology to predict demand for cash stored in ATMs responding to the changing payment needs, and preventative maintenance to predict the failure of different components.

For Ensuring Security for Customers Using ATMs

Seven Bank’s ATMs are provided with measures against peeking at the keypad to make PINs or transaction amounts unviewable by others. These ATMs also display and sound alerts to prevent bank transfer fraud when customers attempt to transfer money. We also take measures to detect any suspicious object attached to an ATM and unusual transactions as well as to prevent fraudulent acquisition of credit card information (skimming) at all times.
Our customer management continues even after the opening deposit accounts to prevent fraudulent use of accounts and ensure secure use for customers, aiming for maintaining up-to-date customer information. New ATMs allow our customers to respond easily and comfortably using “+Connect” functions of “ATM Notification” and “ATM Teller.” This allows us to receive more customer responses compared to the traditional way

Disaster Support

After the Great East Japan Earthquake in March 2011, we dispatched mobile ATM vehicles to regions where considerable time was required to resume ATM businesses.

From October 2015 to March 2016, we regularly dispatched mobile ATM vehicles to Katsurao Village, Fukushima Prefecture, which is designated as an evacuation zone due to the Fukushima Daiichi Nuclear Accident, to support the reconstruction of the region.

Contributing to the Safety and Security of Society as a Whole

Prevention of Financial Crimes

Seven Bank is actively working to prevent financial crimes to ensure all customers can use its services securely by leveraging the knowhow it has accumulated in financial crime prevention, a network of more than 27,000 ATMs across Japan, and the Seven Bank Group’s expertise in developing IT solutions.

Recently, financial crimes and fraudulent transactions targeting customers are becoming increasingly crafty and frequent. Seven Bank, recognizing the specialty of its banking business based on non-faceto-face transactions primarily through ATMs, has established the Financial Crime Risk Control Division as a dedicated unit to combat financial crimes. The division focuses on preventing financial crimes and protecting customers’ assets in order to ensure that customers can use the bank’s services with security.

The division works against money laundering, terrorism financing, and proliferation finance, eliminates fraudulent accounts, detects and prevents special fraud, etc., and provides appropriate cooperation with the police and other investigative agencies, by monitoring and filtering transactions and monitoring information on unauthorized use in cooperation with other divisions and Group companies

Joint Development of New Fraud Detection Algorithm with Shizuoka Bank

ACSiON, a group company working to prevent financial crimes and the spread of their damage, in cooperation with Shizuoka Bank, has developed an algorithm that immediately detects accounts that show signs of fraudulent transactions, and has begun full-scale operation of the fraud detection platform “Detecker." The algorithm has proven to be highly effective in preventing unauthorized account use and detecting suspicious transactions.
The proost identity verification platform has started using an algorithm for detecting fake driver’s licenses developed based on accumulated knowledge in its identity verification service.

Cooperation with the Police, Public Bodies, Partner Financial Institutions, etc

Seven Bank has received a letter of appreciation from the police for its contribution to the detection of financial crimes by cooperating in more than 100,000 cases a year, which includes providing information about ATM camera images and account transactions as requested by the police, the Regional Taxation Bureaus, bar associations, and other public bodies nationwide.
In January 2024, Bank Business Factory Co., Ltd. (BBF), a Group company outsourcing back-office support, was certified as an entity that provides transaction filtering and transaction monitoring for banks’ fund transfer transactions on a large scale. This allows us to strengthen safeguards for fraudulent transactions covering outsourced financial institutions, and further enhance our internal and external cooperation structure.
In addition, we are seeking to strengthen our relationships with external parties and are willing to mutually utilize and accumulate know-how from each other, for example, by hosting training sessions for working police officers and financial crime prevention staff from partner financial institutions.