10x Gap in 'Mandatory Visit' Requirements Between Megabanks and Online Banks for Corporate Accounts

Yushi Daiko Pro Co., Ltd. (HQ: Minato-ku, Tokyo; CEO: Kotaro Okajima) conducted a 'Corporate Account Opening Survey' targeting 342 business owners. In recent years, opening corporate accounts has become more challenging due to stricter anti-money laundering (AML) and KYC regulations. The 'Law on Promotion of Business Financing,' effective May 2026, further emphasizes the need for evaluating business potential.

### 1. Physical Visits as the Main Hurdle; Completion Typically Within 1-2 Weeks The survey found that 24.9% of CEOs struggled with 'mandatory physical visits,' making it the top concern. Other issues included 'preparing documents' (21.3%) and 'opaque screening criteria' (15.8%). Interestingly, 52.9% completed the process within a week, suggesting that the dissatisfaction lies more with the physical constraint of visiting a branch than the duration itself.

### 2. A 10x DX Gap Among Financial Institutions When analyzed by bank type, 30.7% of megabank users and 27.8% of regional bank users struggled with visit requirements. In stark contrast, only 3.0% of online bank users reported this issue, representing a 10-fold difference between megabanks and online banks. Younger business owners in their 40s felt the strongest burden regarding in-person procedures.

### 3. High Rejection Rates and Opaque Reasons 16.4% of respondents had been denied a corporate account in the past. When asked for the reason, 33.9% stated they were 'not given a reason,' followed by 'lack of business track record' (26.8%) and 'low capital' (16.1%). The fact that one in three rejections occurs without explanation remains a significant barrier for startups and small businesses.