Profit Cube

Profit Cube Inc. develops and sells business software for financial institutions in Japan. The company offers management support solutions for asset liability management (ALM), risk management, and profitability management. It also provides an automated credit information inquiry and loan screening system called "e-Acris/QUANTUM." The company's clients primarily consist of regional financial institutions such as local banks, second-tier regional banks, Shinkin banks, and non-bank financial service companies.

The company has a long history, originally founded as Nippon C&C Systems Co., Ltd. in October 1984. It has undergone several name changes and corporate restructurings over the years. In 2015, it became a consolidated subsidiary of Saios Technology, Inc. Saios Technology later absorbed Profit Cube in April 2021. In a significant shift, the Profit Cube business was split off from Saios Technology and became a wholly-owned subsidiary of Sumitomo SBI Net Bank, Ltd. in October 2023, with the business officially starting in December 2024. The current representative director is Toshiyuki Karasawa.

The firm's solutions aim to support digital transformation and data utilization for its clients. Its management support systems provide flexible analysis capabilities beyond traditional metrics, allowing for strategic planning based on segments like industry, company size, or sales region. The automated loan and credit check solutions are designed to increase the accuracy and speed of the lending process.

Keywords: financial institution solutions, asset liability management, ALM, risk management systems, profitability management, credit information systems, automated loan screening, Japanese financial market, FinTech, regional bank solutions, banking software, credit risk, e-Acris, QUANTUM, Sumitomo SBI Net Bank, business software, financial system development, loan process automation, data-driven finance