#Japan #Tokyo #Money Forward #AI Credit #Cashmap

Money Forward X Launches AI Credit Assessment Lending

On October 7, 2025, Money Forward X is set to unveil an online lending service powered by an innovative AI credit assessment model. This service will be integrated into JCB's Cashmap, a portal designed for cash flow management targeted at small businesses and freelancers. This launch marks JCB as the first entity to adopt this revolutionary feature developed in collaboration with Orient Corporation (Orico).

The Cashmap Portal

Cashmap functions as a financial management tool, making it easier for users to track their cash flow. By leveraging Money Forward's account aggregation capabilities, users can manage their financial data from multiple institutions in one centralized location. The new lending function aims to enhance cash flow management by incorporating the AI credit assessment model, providing businesses with a more robust and flexible lending solution.

AI Credit Assessment Model

The AI credit assessment model is an advanced mechanism that melds Orico's extensive credit screening expertise with Money Forward's data analytics technology. This model uses AI to predict fluctuations in cash flow and funding conditions, allowing for a tailored credit assessment experience. By embedding this feature within a platform that utilizes account aggregation, the lending process is streamlined, allowing for real-time assessments based on the latest financial data from various bank accounts.

One of the standout features of this online lending service is its ability to generate personalized lending conditions effortlessly. Users will not need to submit their financial statements, as the model will automatically calculate and recommend loan terms based on the connected account information. This user-friendly approach means that potential borrowers can apply for loans at any time through the Cashmap portal, making the process more accessible and efficient.

Future Collaborations

Looking ahead, Money Forward and Orico plan to expand this feature to other financial institutions they partner with, further democratizing access to finance for businesses. This initiative promises to revolutionize the lending landscape, making it easier for businesses to obtain the funding they need to thrive.

Company Overviews

JCB Co., Ltd.

• - Location: 5-1-22 Minami Aoyama, Minato-ku, Tokyo
• - CEO: Takayoshi Niju
• - Established: January 1961
• - Business Operations: Credit card services, lending, payment collection, and more.
• - URL: JCB

Orient Corporation (Orico)

• - Location: 5-2-1 Kojimachi, Chiyoda-ku, Tokyo
• - CEO: Makoto Umeumiya
• - Founded: December 1954
• - Business Operations: Consumer credit, card services, and more.
• - URL: Orico

Money Forward X, Inc.

• - Location: 3-1-21 Shibaura, Minato-ku, Tokyo
• - CEO: Daisuke Honkawa
• - Founded: December 2024
• - Business Operations: Development and provision of financial services.
• - URL: Money Forward X

This collaborative service is a pioneering endeavor that showcases the potential of AI in transforming financial services, and signifies a significant step forward in improving financial accessibility for small businesses and entrepreneurs.