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Improving convenience

Mizuho is working to improve convenience for its customers through implementing a policy of creating joint branches that provide banking, trust banking, and securities products and services seamlessly. It is developing services not requiring face–to–face contact that can be delivered via smartphones and other types of remote terminals.

Full–service branch and ATM networks

Mizuho is the only megabank that operates branches in every prefecture in Japan. In addition, we are the No. 1 megabank in terms of providing a comprehensive network of ATMs to customers through our strategic alliance with AEON Bank, Ltd.

Mizuho is also expanding extensively overseas, especially in growing markets in Asia.

  (As of end–June 2018)
Domestic branch network
(incl. joint bank, trust bank, securities branches)
Approx. 790 branches
(approx. 190 locations)
ATM network* Approx. 7,200 locations
(As of end–March 2018)
Overseas network
(of which Europe, Middle/Near East, and Africa)
(of which Asia and Oceania)
(of which North/Central/South America)
118 locations
(23 locations)
(55 locations)
(40 locations)
  • *Mizuho Bank:1,922 ATMs; AEON Bank: 5,311 ATMs (as of March 2018)

Increasing sophistication of services offered via mobile terminals

Since the usage of smartphones began in Japan, Mizuho has taken a pioneering lead in providing smartphone–based services and has accumulated technology and know–how for the effective use of mobile terminals. Taking account of the opinions and requests expressed by its customers through its call centers and application download sites, Mizuho has also worked to expand and improve the functions of these services and to make them easier to use. As a result of these activities, the number of customers using smartphone banking services has now exceeded 500,000 persons per month.

Initiatives taken in fiscal 2017

May 2017 Began ATM and branch search services via LINE
May 2017 Commenced account opening support services using robot "Pepper"
May 2017 Started alliance with Money Forward and Moneytree through application programming interface (API)
October 2017 Introduced biometric authentication with the Mizuho Direct App
October 2017 Began to offer payments APIs of Mizuho Direct App and began cooperating with "finbee" automatic savings deposit app
October 2017 Started proof–of–concept of wallet app using smartphones
November 2017 Commenced usage of Amazon Alexa via Mizuho Direct App
February 2018 Secured compatibility of API with main transactions menu of internet banking
March 2018 Began to offer payments APIs of Mizuho Direct via "wellnote"

As a result of these and other initiatives, Mizuho has received the MCPC Award for seven consecutive years since 2010 and has had the distinction of being the only company in any industry to receive this recognition. This award is supported by Japan’s Ministry of Internal Affairs and Communications and Ministry of Economy, Trade and Industry, and is given to companies to companies and groups that show outstanding results in structuring sophisticated systems through the introduction of mobile computing.

Offering new lending services

Together with Softbank, in November 2016, Mizuho Bank established J. SCORE Co., Ltd., which aims to offer Fintech–based lending services to individual customers. In September 2017, J. SCORE became the first company in Japan to begin use of a credit scoring model to raise scores by providing data on customers and inputting additional information, and, thereby, make it possible to finalize loan transactions using smartphones. Going forward, J. SCORE plans to continue gradually raising the level of its services.