ebs

What ebs does

ebs Co., Ltd. (株式会社ebs) is a privately held Japanese fintech IT company founded in 2001 that builds loosely-coupled (疎結合) core banking and account-system package software for financial institutions and corporate customers. Its flagship product family is the 'AMP series': AMP-Loan (a loan-accounting core package with a 20+ year zero-major-incident track record, used by auじぶん銀行, 住信SBIネット銀行, and large trust banks for retail and mortgage operations); AMP-Banking (a multi-country cloud-based international account-system solution jointly developed with affiliate Earnest Korea and targeted at overseas branches, BaaS, and second-core deployments with a 3-year ~15-site installation target); and AMP-fBank (a bank-grade in-house deposit and workplace financial infrastructure product launched in March 2025 and being prepared for SaaS external sales). Technology is built on Pure Java with API, Plug-In, Parameter & Rule, MSA, and Low-Code architecture, emphasizing source-code disclosure with technology transfer to customers, parameter-driven configurability without program modifications, and customer-centric data models.

ebs monetizes through a mix of one-time license sales (AMP-Loan SaaS, standard, dedicated, and platform editions; legacy eSCOFI), subscription and flexible recurring pricing (AMP-Banking), planned SaaS recurring revenue (AMP-fBank), master distribution rights from Earnest Korea for AMP IP in Japan, customer-premise SE dispatch/SES services under its general worker dispatch license, and consulting practices covering loosely-coupled core systems and workplace financial services. Go-to-market is sales-led through a Consulting Sales Division, augmented by tier-1 SI and consulting partnerships (NTT Data/Kunie, NRI, Fortience Consulting) and group-affiliate distribution (Earnest Korea). Customers are concentrated among major Japanese banks, trust banks, and telco-affiliated banks. The company is organized as a deliberate small-elite team (少数精鋭) of 51-100 employees, is ISMS-certified since 2011, holds a Privacy Mark since 2008, and is headquartered in Otemachi, Tokyo with an R&D center in Ningyocho. In March 2026, new President Fujita Keiichi (ex-IBM Japan mega-bank systems leader) was appointed to drive AMP series expansion and an AI-led management agenda.

Name

ebs

Legal name

株式会社ｅｂｓ (ebs Co.,Ltd.)

Website

https://earnest-business.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

ebs (株式会社ebs) is a Japanese fintech IT firm that develops and sells the AMP series of loosely-coupled, Java-based core banking and account-system package software — AMP-Loan, AMP-Banking, and AMP-fBank — to Japanese banks, trust banks, and corporate customers for loan accounting, international banking, and workplace financial services.

Ownership category

akta.pro rank

Product category

Core Banking Software

NAICS

Credit Intermediation and Related Activities (522), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518210)

SIC

Finance Services (6199)

akta.pro primary industry

Account & Balance Services (Operating accounts, statements, eBAM) (FSABAIAD)

akta.pro secondary industry

Treasury, Cash Management & Liquidity (SME) (FSAGAJAG)

Keywords

• Core banking software
• Loan accounting systems
• Cloud banking platform
• Banking IT consulting
• Financial account systems

Headquarters

HQ city

Otemachi

HQ country

Japan

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. AMP-Loan product sales (loan accounting core system): Sales of loan accounting core package "AMP-Loan" (the successor to eSCOFI) to financial institutions, offered in SaaS form, batch provision form (standard, dedicated, platform versions). Includes initial introduction, customization, and ongoing maintenance.
2. AMP-Banking subscription and licensing: "AMP-Banking" (international core banking solution) offered with "サブスクリプション方式を含めた柔軟かつリーズナブルな設定" (flexible and reasonable pricing including subscription model). Sold in 15-site installation target over 3 years.
3. AMP-fBank SaaS subscription (planned): Next-generation in-house deposit management system "AMP-fBank" is being readied for external sales via SaaS deployment and alliance channels, beyond its current internal use.
4. System development and maintenance services (customer dispatch / SES): Contracted SE dispatch to financial institutions and customer-premise development/operations work for banking systems, in addition to in-house package development/maintenance. Includes Infrastructure SE and financial core business consulting services.
5. Consulting services for loosely-coupled core systems and workplace financial services: Consulting services leveraging AMP series implementation expertise: solutions planning for diverse core system challenges, practical design/build support for loosely-coupled architecture, and workplace financial service consulting combined with AMP-fBank POC support.
6. Master distribution rights (AMP series in Japan): Revenue derived from master distribution rights of Cloud Banking Solutions AMP from Earnest Korea for the Japan market, executed through AMP-Banking sales.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Core offering

ebs develops, sells and maintains the AMP series of loosely-coupled (疎結合) financial account-system package software for banks and financial institutions, anchored by AMP-Loan (loan accounting core), AMP-Banking (international cloud banking/accounting solution jointly developed with affiliate Earnest Korea), and AMP-fBank (in-house/workplace deposit management platform). The company also provides consulting services for loosely-coupled account systems and workplace financial solutions, plus customer-premise SE dispatch for banking system development and operations.

Product overview

ebs offers a multi-product platform-plus-modules architecture centered on the proprietary 'AMP series' of loosely-coupled (疎結合) financial account-system package solutions, together with consulting services and the legacy eSCOFI line. The core account-system platform is AMP-Banking (international), with domain-specialized products built on the same decoupled-architecture philosophy: AMP-Loan for loan-account systems (serving auじぶん銀行, 住信SBIネット銀行 and other major Japanese banks) and AMP-fBank for workplace/employee financial infrastructure (internal-savings). These are complemented by two consulting practices — one for loosely-coupled account-system strategy and one for workplace financial services — plus the historical eSCOFI loan-account package and the ATLAS international account-system product distributed under reseller agreement with KB Data Systems.

Differentiator

Problem solved

Functional benefit

Brands

• AMP-Loan (アンプ・ローン): Loosely coupled loan accounting package solution; successor to eSCOFI, marketed to banks for retail and mortgage loan businesses.
• AMP-fBank (アンプ・エフバンク)
• AMP-Banking (アンプ・バンキング)
• eSCOFI (エスコフィ)

Products and services

• AMP-Loan (アンプ・ローン) Loosely-coupled (疎結合) loan account-system package software with 20+ years of zero-major-incident operation, providing 5 architectural pillars (loose coupling, account-system framework, parameter-driven configuration, batch-less real-time 'center-cut' processing, customer-centric data model). Powers 24/365 mortgage and digital loan operations at auじぶん銀行 and 住信SBIネット銀行 and is deployed at large trust banks and major telecom-affiliated banks.
• AMP-fBank (アンプ・エフバンク) Bank-grade workplace/employee financial infrastructure that rebuilds the legacy internal-deposit (社内預金) model for human-capital management. Features full ledger account-level accounting, segregated dedicated corporate accounts, strict disbursement controls, continuous balance reconciliation and liquidity monitoring, API/file integration with HR/payroll and banking systems, J-SOX-ready audit logs, FISC-aligned controls, and smartphone-based employee self-service. Already deployed in ebs's own internal savings program with revisions effective 2026-04-01.
• AMP-Banking (アンプ・バンキング) Cloud-based international account-system solution originally developed by affiliate Earnest Korea from a full-banking system with operational track record at overseas branches of major banks (US, Asia). Implemented in Pure Java with cloud, API, Plug-In, Parameter & Rule, and decoupled architecture. Covers customer management, deposits, lending, FX, treasury/securities, debit cards, accounting, and compliance (AML/FATCA) templates; supports multi-country, multi-banking, multi-tax, multi-currency, multi-calendar, and multi-time-zone operation via external parameters/rules; delivered with source-code disclosure and technology transfer.
• eSCOFI (エスコーフィ) Legacy loan account-system package software originally launched by ebs for mortgage loans (2007-09) and corporate certificate loans (2008-11), later expanded with deposit, foreign-currency-loan, and SaaS functions. Now superseded/augmented by AMP-Loan; trademark registration No. 5110272.
• Loosely-Coupled Account Systems Consulting Consulting practice that applies lessons learned from AMP series implementation to propose solutions to issues in legacy, international, and workplace-finance account systems; covers planning, architecture design/construction support, and forward-looking extensible architecture recommendations for financial institutions.
• Workplace Financial Services Consulting Consulting practice specialized in workplace-finance solutions, combining financial and IT expertise with major consulting-firm partnerships (e.g., Fortience Consulting MOU June 2026) to enable strategy formulation, AMP-fBank-based rapid implementation, and POC support for employee financial wellbeing programs at corporates.
• ATLAS Reseller Distribution Reseller/distribution offering of the ATLAS international account-system package software developed by Korea's KB Data Systems (KB Financial Group). ebs holds exclusive Japanese master distributor rights under a master sales agency agreement signed in February 2014.
• Customer-Premise System Development and Maintenance Services (SES) Contracted SE dispatch and on-site banking-system development, operations and maintenance services for financial-institution customers, in addition to in-house package development. Conducted under ebs's general worker dispatching business permit (派13-304055), covering Infrastructure SE and financial core business consulting work.

Named customers5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature8 records

Partnerships

Eleven partnerships are on record, tiered strategic tier-1 gtm partner, flagship / core strategic partner, minor partner (office design collaboration only), historical/tier-1 partner, partner (relationship implied via kunie subsidiary) and partner.

• Fortience Consulting Co., Ltd. (フォーティエンスコンサルティング株式会社)strategic tier-1 gtm partnerImplementation/ SI/ Consulting Partner · 10 June 2026Signed MOU on the development of workplace financial solutions (職域金融ソリューション展開). Combines Fortience Consulting's expertise in workplace finance, business reform, and digital utilization with ebs's AMP-fBank platform. Together they will strengthen consulting services and implementation support for building and deploying workplace financial platforms leveraging AMP-fBank.
• Nomura Research Institute, Ltd. (株式会社野村総合研究所 / NRI)strategic tier-1 gtm partnerStrategic or Co-development Partner · 1 March 2025Signed MOU toward cooperation for retail-loan core system business using AMP-Loan. With rising interest rates and the trend toward loose-coupled core banking increasing demand for AMP-Loan, ebs expects NRI's SI capabilities in financial IT to drive AMP-Loan sales expansion. Listed as a "partner" on ebs's corporate site (NRI is a former executive's prior affiliation).
• Earnest Korea Co., Ltd. (株式会社アーネスト・コリア / EK)flagship / core strategic partnerOEM/ Whitelabel/ Licensing Partner · 24 October 2022Earnest Korea is ebs's related company (group affiliate) and holds the original copyrights to AMP Cloud Banking Solutions, including AMP-Banking and earlier IP rights to the loan-accounting package eSCOFI (acquired October 2005 / July 2021). In October 2022 ebs concluded a master sales agency (総販売代理店) basic contract with Earnest Korea for the Japan market, making ebs the exclusive Japanese sales channel for AMP-Banking. The two companies jointly productize the system with latest IT (Cloud, API, Plug-In, Parameter & Rule). Earnest Korea also performs AMP-series R&D and productization.
• Kunie Inc. (株式会社クニエ) — NTT Data Group consulting firmstrategic tier-1 gtm partnerImplementation/ SI/ Consulting Partner · 25 July 2022Signed MOU on cooperation (協業に関する覚書) for the launch of next-generation Cloud Banking Solutions AMP (October 2022). Kunie supports ebs's approach to the loan-accounting and international-core markets in Japan. Kunie has since co-presented with ebs at the Nikkei "Digital Kokumin Japan 2023 Spring" forum on overseas DX cases and next-generation core solutions.
• Ryohin Keikaku Co., Ltd. / Muji (株式会社良品計画)minor partner (office design collaboration only)Others · 1 May 2022Collaborated on the full renovation of the Ningyocho R&D Center (May 2022) with an "SDGs-conscious communication space" concept using domestic cedar materials and Muji storage/office supplies. Ryohin Keikaku's spatial design team worked with ebs repeatedly; renovation case study was published on Muji's website.
• KB Data Systems (KBデータシステムズ) — KB Financial Group affiliatehistorical/tier-1 partnerChannel Partner/ Reseller/ Distributor · 1 February 2014In March 2008 ebs signed a sales agency contract for financial solutions with KB Data Systems (part of Korea's leading comprehensive financial group). In February 2014 ebs signed a master distributor agreement (総販売代理店契約) with KB Data Systems for the international accounting package software "ATLAS". Also acquired international banking system IP rights through Earnest Korea (the ebs group entity). Historical strategic relationship that shaped ebs's international banking product line.
• NTT Data Corporation (株式会社NTTデータ)partner (relationship implied via kunie subsidiary)Implementation/ SI/ Consulting PartnerListed as an ebs "partner (パートナー)" on the corporate website. NTT Data Group's consulting arm Kunie signed an MOU with ebs in July 2022 for the AMP business. NTT Data former president Toshio Iwamoto delivered a guest lecture to ebs in July 2024. Partnership is leveraged in AMP-Banking deployments where customer-specified SI/consulting firms may be engaged.
• Dentsu Soken Inc. (株式会社電通総研)partnerImplementation/ SI/ Consulting PartnerListed as an ebs "partner (パートナー)" on the corporate website (50音順), implying collaboration on implementations or consulting engagements.
• IBM Japan, Ltd. (日本アイ・ビー・エム株式会社)partnerTechnology or IntegrationListed as an ebs "partner (パートナー)" on the corporate website. Multiple senior ebs executives (including incoming president Fujita Keiichi) are former IBM employees with deep megabank development backgrounds. AMP-Banking product deployment may leverage IBM infrastructure/technology relationships.
• Japan Information Processing Service Co., Ltd. — JIP (日本電子計算株式会社)partnerImplementation/ SI/ Consulting PartnerListed as an ebs "partner (パートナー)" on the corporate website (50音順), indicating collaboration on implementations.
• Hitachi Solutions, Ltd. (株式会社日立ソリューションズ)partnerImplementation/ SI/ Consulting PartnerListed as an ebs "partner (パートナー)" on the corporate website (50音順), indicating collaboration on implementations.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• freee K.K. Japanese cloud accounting and HR/payroll SaaS provider with growing financial-institution partnerships. Comparable because freee brings cloud-native thinking to the same SMB and corporate back-office finance workflows that AMP-fBank targets, although ebs serves the much larger in-house deposit segment specifically.
• Money Forward: Japanese cloud-fintech platform spanning accounting, HR/payroll, and financial-institution connectivity. Comparable because Money Forward's enterprise offerings include cloud-native financial workflows that intersect with the broader ebs value proposition, particularly around workplace finance and back-office automation.

Broad incumbents

• NTT Data Corporation: Japan's largest SI with a deep core-banking practice and the parent of Kunie, ebs's Tier-1 GTM partner. Comparable because NTT Data provides end-to-end banking modernization services — overlapping with ebs's AMP-Banking and AMP-Loan offerings — but at much larger scale and as part of a much broader IT services portfolio.
• SCSK Corporation: Major Japanese IT services company with a banking systems practice (formerly Sumitomo Computer Services / CSK heritage). Comparable because SCSK provides core-banking and loan-system development services to Japanese financial institutions, similar to ebs's AMP-Loan customer base, but across a broader portfolio of industries.
• Nomura Research Institute (NRI): One of Japan's largest SIs and consulting firms with a major financial-IT practice, and now an ebs MOU partner (March 2025) on AMP-Loan. Comparable because NRI both builds and integrates core-banking and lending solutions for Japanese megabanks, directly overlapping with ebs's addressable market, but NRI operates at much greater scale across many financial-services domains.
• TIS Inc. Japanese IT services group (parent of INTLOOP and others) with a dedicated financial-institution business offering core-system and lending solutions. Comparable because TIS's banking practice overlaps with ebs's AMP series on loan accounting and account-system modernization for Japanese banks, though at broader IT-services scale.
• Temenos: Global core-banking software vendor expanding aggressively in Asia-Pacific. Comparable because Temenos offers cloud-native core-banking and lending platforms that compete with AMP-Banking for foreign-bank subsidiaries and Japanese digital-bank deployments, though at global scale and with a SaaS rather than source-code-disclosure model.
• Fujitsu: Global IT vendor with a long-standing Japanese core-banking systems business (including the former BSA / BANK STAR mainframe core for Japanese regional banks). Comparable because Fujitsu provides end-to-end core-banking platforms and loan-accounting systems directly overlapping with ebs's flagship AMP products.

Others

• SBI Sumishin Net Bank: Japanese digital bank and disclosed ebs customer using AMP-Loan for its mortgage business core. Included as an OTHERS relationship rather than a competitor because, while SBI Sumishin Net Bank is itself a digital-bank operator (not a software vendor), it is the most prominent live deployment validating AMP-Loan and a critical reference customer.

Direct peers

• Biprogy (formerly UNISYS Japan): Japanese IT vendor with a long-standing core-banking software and services business inherited from UNISYS, serving megabanks and regional banks. Comparable because Biprogy offers core-banking platforms and loan-accounting solutions directly competitive with AMP-Loan and AMP-Banking in the Japanese banking market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights6 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ebs