日本語 
Shoko Chukin Bank has adopted SPIRAL ver.1 as the foundation for its “Account Opening Application Form,” strengthening its non-face-to-face identity verification process in response to amendments to Japan’s Act on Prevention of Transfer of Criminal Proceeds.
The adoption helps the bank to update its account‑opening procedures because the rules for customer identification are changing. By using SPIRAL ver.1 as the core platform the bank can create an application environment and add identity verification steps into the workflow.
The move shows a change among financial institutions toward digital onboarding. As customers more and more want to finish banking steps financial organizations must balance convenience with the need for accurate customer identification, fraud prevention and regulatory compliance.
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Non‑face‑to‑face verification is also becoming more important because financial institutions face risks from identity theft, account misuse and other crimes. Changes, to the rules are prompting banks to look at how customer information is gathered and checked during digital applications.
For institutions this case shows how low‑code and digital application platforms can help modernise compliance processes while keeping them part of customer‑facing services. As Japan’s financial sector keeps expanding services adding identity verification to digital onboarding will stay a key operational and regulatory priority.
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