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TKC Monitoring Information Service Achieves 500 Institutional Partnerships

The TKC Monitoring Information Service (MIS), launched by TKC Corporation in October 2016, recently accomplished a significant milestone by having 500 financial institutions adopt its service by the end of December 2025. This achievement reflects the growing reliance on digital financial data by banks, including government-affiliated institutions, major banks, and over 90% of regional financial institutions such as city banks, second-tier regional banks, and credit unions across Japan.

The Role of MIS in Financial Institutions

The MIS operates as a cloud service that allows financial institutions to receive reliable digital data of financial statements. Specifically, the service facilitates the sharing of monthly trial balance sheets and annual financial statements, prepared by tax accountants after conducting regular inspections and monthly account closings for their clients. This data is made available online and free of charge based on requests from the business owners of the concerned enterprises. The timing of data provision corresponds closely to tax report submissions; for monthly financial reports, they are shared right after the monthly closing, while annual statements are provided immediately after electronic submission to the tax office.

Trustworthiness and Efficiency

One of the significant advantages of the TKC Monitoring Information Service is its high level of accuracy and reliability. Since the financial information disclosed through this service mirrors that which is submitted electronically to the tax authorities, there is virtually no opportunity for data tampering. Consequently, financial institutions can rely on these digital financial records as firm bases for making lending decisions. The service affirms the three requirements established under the Management Guarantee Guidelines, namely:

1. Clear distinction between corporate and personal relationships
2. Strengthening of the financial foundation
3. Accurate understanding of financial status and timely, appropriate information disclosure

These attributes have made the TKC Monitoring Information Service increasingly valued among regional financial institutions and credit guarantee associations supporting small and medium-sized enterprises (SMEs).

Strengthening Support for SMEs

With a reported utilization count exceeding 370,000 from SMEs, the need for enhanced collaboration among local financial institutions, tax accountants, and other stakeholders has never been clearer. The Japanese government's initiative, the Regional Financial Capacity Strengthening Plan (published on December 19, 2025), emphasizes the importance of local financial institutions and various players cooperating to bolster regional financial capabilities. Notably, tax accountants are positioned as key partners in aiding businesses in collaboration with financial institutions. Given this context, the significance of TKC's Monitoring Information Service is anticipated to grow, further integrating tax accountants, financial institutions, and SMEs.

Service Offerings

The TKC Monitoring Information Service encompasses two primary offerings:

1. Financial Statement Provisioning Service: Following requests from clients, TKC national members directly submit corporate tax data (including financial statements and tax returns) to financial institutions immediately after electronic filings.

2. Monthly Trial Balance Provisioning Service: After completing monthly account closing procedures, tax accountant members send the monthly trial balance sheet data to the respective financial institutions based on client requests.

Additionally, as a certified business support organization, TKC members can create early management improvement plans and generate local benchmarks, which can also be provided through this service.

These developments, coupled with TKC's commitment to safeguarding integrity—highlighted by its patents concerning network authentication and the provision methods of monthly trial balance data—underscore the innovative strides the organization is making in the financial sector. The future looks promising for the TKC Monitoring Information Service, as it continues to evolve as a crucial tool in fostering financial transparency and supporting the SME landscape in Japan.