Following the bankruptcy of payment processor "Zentoshin," AI analysis service "Signal Catch by Sumoo" proposed for increased rent consultations from restaurant tenants

Aishas Inc. (Headquarters: Toshima-ku, Higashi-Ikebukuro, Tokyo; Representative Director: Chiaki Tanaka) today, July 6, 2026, announced its proposal to utilize the AI-powered rent delinquency prediction service "Signal Catch by Sumoo" in response to the bankruptcy filing of credit card payment processor Zentoshin Co., Ltd. The company anticipates a surge in consultations regarding rent payments nationwide from real estate management companies, tenant owners, and landlords.

[Logo] Signal Catch by Sumoo

Impact of Zentoshin's Bankruptcy on the Real Estate and Rental Industries

Zentoshin, with over 200,000 member stores, primarily restaurants, offered a service that allowed for early payment of card sales twice a week, six times a month. This bankruptcy is predicted to have the following cascading effects on the real estate and rental industries:

Phase 1 (Immediate to within a few weeks): Worsening cash flow for restaurant tenants

Card sales revenue will not be received, potentially leading to delays in payments for inventory, labor costs, and rent. Stores that had structured their cash flow based on Zentoshin's early payment cycle may face a cash shortage and become insolvent even while remaining profitable, simply by returning to a normal payment pace. A significant increase in consultations from tenant owners requesting to defer rent payments is expected.

Phase 2 (Weeks to months): Restaurant closures and employee layoffs

Stores with persistent cash flow problems are expected to face closures and business failures. Consequently, laid-off or terminated employees will experience financial hardship, beginning to impact rent payments for residential properties. Consultations such as "I cannot pay next month's rent because I lost my job" are anticipated to spread not only from commercial tenants but also to residential rentals.

Phase 3 (Months onward): Prolonged and structuralized financial hardship

There is a risk of financial hardship becoming structuralized, extending beyond temporary income disruption to include difficulties in re-employment, multiple debts, and mental exhaustion. In such cases, rent delinquency may become prolonged, making legal proceedings unavoidable.

The Role of "Signal Catch by Sumoo"

In this situation, tenant owners and real estate management companies will need to assess not only the "volume" but also the "nature" of consultations.

Is this a temporary financial difficulty caused by the bankruptcy? Is the individual's financial foundation already weak, with the bankruptcy merely bringing their hardship to the surface? Is this a case requiring long-term life reconstruction support, such as due to employee layoffs?

It is not easy to determine these distinctions through brief email or phone exchanges alone.

"Signal Catch by Sumoo" analyzes consultation emails and LINE messages from residents and tenants using AI. By simultaneously scoring seven unique indicators, it supports objective situation assessment independent of the担当者's experience or intuition.

No personal information is required; analysis is completed using only text data.

Signal Catch by Sumoo Service Diagram

【Scoring of 7 Items】

1. Rent Payment Resolution Score (20 points)

Assesses the existence and feasibility of a concrete repayment plan. It determines the credibility of statements like "I expect to receive payment on the 10th of next month" based on context and consistency.

2. Direct Economic Factors (20 points)

Analyzes whether the economic difficulty is externally caused, such as payment processor bankruptcy, unpaid sales, or layoffs, or if it stems from structural income shortages.

3. Mental Health Risk Score (15 points)

Assesses the degree of mental exhaustion based on linguistic signs of impatience, avoidance, and cognitive confusion. This serves as a basis for determining if long-term life reconstruction support is needed.

4. Psychological and Behavioral Changes (15 points)

Detects risk signals appearing in behavior, such as changes in communication frequency, delayed responses, and alterations in writing style.

5. Living Foundation and Isolation Level (15 points)

Assesses the presence of family or support systems and the strength of social connections. Hardship in an isolated situation tends to worsen, making it a crucial indicator for determining the need for early intervention.

6. Communication Quality (10 points)

Evaluates the logic, consistency, and sincerity of explanations to determine the credibility of consultation content and the potential for future dialogue.

7. Attribute and History Adjustment (5 points)

Adjusts the long-term risk assessment based on attribute information such as past delinquency history, length of residency, and employment status.

The total score for these seven items and the overall judgment (Urgent Intervention Required / High Priority Monitoring / Accompanied Support / Standard Response) clarify the priority of actions.

In situations where multiple cases occur simultaneously, such as following the Zentoshin bankruptcy, the batch processing function allows for simultaneous analysis of up to 10 cases, providing a list output ranked by risk.

Signal Catch by Sumoo Multidimensional Scoring Diagram

Furthermore, this service automatically assesses the suitability for public support programs such as housing security benefits, livelihood welfare funds, and emergency small funds, and can consistently generate expert opinions suitable for submission to welfare agencies.

It is a mechanism that simultaneously supports rent collection and the reconstruction of residents' and tenants' lives, proving particularly effective in the face of events with significant social impact like this one.

"The first consultation email might be the last chance for intervention."

— Please utilize this service to ensure you don't miss that crucial message.

Emergency Response Plan Information

We offer the following emergency response plans for cases affected by the Zentoshin bankruptcy:

Urgent Plan (Shortest same-day response): ¥29,800/case

Ideal for cases with approaching payment deadlines and for confirming the situation of individual cases.

Other Plans

"Standard Plan (¥19,800/case)" with response within 3 business days.

"Premium Plan (¥44,800/case)" for in-depth analysis including long texts, multiple exchanges, and behavioral logs.

(Consumption tax is separate.)

We also accept consultations for discounts on bulk processing of multiple cases.

"Signal Catch by Sumoo" Service Description Website URL

For details on "Signal Catch by Sumoo," please visit the special page on the official Aishas Inc. website.

《AI Solution for Rent Arrears Prediction | Aishas Inc.》 https://aishas.co.jp/newsite/services/websiteproduction/rentarrearsai/

Inquiries Regarding This Matter

Aishas Inc.

Aishas Inc. Official Website URL: https://aishas.co.jp/ Contact: Takeshi Tanaka Email: [email protected] TEL: 050-1722-9895 Mobile: 080-3552-4658