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Headquartered in Tokyo, SBI Sumishin Net Bank is an "Internet-only" bank established as a joint venture between SBI Holdings and Sumitomo Trust & Banking. In Japan, competition in the Internet banking business has been intensifying. In this environment, SBI Sumishin Net Bank, Ltd. aimed to bring to market a broad product lineup in a shorter period than other financial institutions. Development of a totally new Internet banking platform was characterized by the use of an accounting system application package and a Service-Oriented Architecture (SOA) framework.
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