Housing Support Information Systems

What Housing Support Information Systems does

Housing Support Information Systems Co., Ltd. (株式会社HS情報システムズ) is a privately-held Japanese systems integrator founded in 1997 and headquartered in Bunkyo-ku, Tokyo. The company specializes in housing-finance information systems, serving as the primary SIer behind the 総合オンラインシステム (Comprehensive Online System), a mission-critical platform that connects the Japan Housing Finance Agency (a government institution) with approximately 600 financial institutions nationwide to process mortgage loan screening, financing, and repayment operations. Beyond the government-anchored core platform, HS情報システムズ delivers two AWS-hosted cloud SaaS products — the Yes NEXT System (debt management and inquiry functions for regional and second-tier regional banks, in production for over 20 years) and the MS NEXT System (loan and debt management for mortgage banks handling Flat 35 and related products, compliant with the Consumer Finance Act) — and complements these with business-support services such as compatible printer supplies, window envelopes, and outsourced document output for repayment schedules and delinquency notices.

The technology stack is built on AWS infrastructure with a deliberate migration path from mainframe systems to open servers and cloud environments. HS情報システムズ has progressively accumulated the certifications required to handle regulated financial data: ISMS (ISO/IEC 27001, JQA-IM1122), ISMS-CLS for cloud services (ISO/IEC 27017, JQA-IC0094), QMS (ISO 9001, JQA-QMA15559), and Privacy Mark (No. 10820044). Named enterprise counterparts include Mizuho Bank, Mitsubishi UFJ Bank, and Sumitomo Mitsui Banking Corporation as transaction-banking partners, with regional banks, second-tier regional banks, mortgage banks, and life/property insurance companies comprising the broader client base.

Commercially, the company operates a sales-led, direct enterprise model targeting financial institutions and the government housing finance agency, handling upstream project phases including customer negotiation and partner-company management. Revenue is generated across three streams: ICT Solution Services (professional services across the system development lifecycle), Cloud/SaaS Subscription Services (recurring revenue from Yes NEXT and MS NEXT), and Business Support Services (transaction-fee-based outsourcing and supplies). The company is wholly self-owned, with no disclosed parent company, outside investors, or external funding, and operates exclusively within Japan.

Name

Housing Support Information Systems

Legal name

株式会社ＨＳ情報システムズ

Website

https://hs-net.co.jp

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

51–100 employees

Short description

Housing Support Information Systems (株式会社HS情報システムズ) is a Japanese systems integrator founded in 1997 that builds and operates housing-finance IT platforms, including the Comprehensive Online System connecting the Japan Housing Finance Agency with approximately 600 financial institutions and the AWS-hosted Yes NEXT and MS NEXT cloud services for regional and mortgage banks.

Ownership category

akta.pro rank

Product category

Housing Finance Software Systems

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Integrated Systems Design (7373)

akta.pro primary industry

National Housing Finance Agencies & Ministries (FSALAKAB)

Keywords

• Housing finance systems
• Mortgage loan management
• Banking system integration
• Cloud loan servicing
• Financial IT services

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure

Revenue model

1. ICT Solution Services: System development services including server/storage selection, network design, OS/middleware installation, application development, package software implementation, and system operation/maintenance. Projects cover upstream phases with customer engagement and partner management.
2. Cloud/SaaS Subscription Services: Recurring subscription revenue from cloud services including Yes NEXT System and MS NEXT System, provided via AWS infrastructure. Delivered as SaaS to financial institutions including regional banks and mortgage banks.
3. Business Support Services: Business outsourcing services including printer toner and drum cartridge supplies for housing finance systems, window envelopes, and delegated output services for repayment schedules and delinquency notices.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Housing Support Information Systems is a specialized system integrator providing housing finance information systems and cloud-based software platforms for the Japanese market. Its core offerings include the Comprehensive Online System connecting the Japan Housing Finance Agency with approximately 600 financial institutions, plus the Yes NEXT and MS NEXT cloud platforms for debt and loan management used by regional banks and mortgage banks. The company also provides system integration, operation, maintenance, and business outsourcing services to financial institutions and government agencies in the housing finance ecosystem.

Product overview

Housing Support Information Systems is a specialized systems integrator (SIer) for the housing finance sector in Japan. The company's product portfolio centers on three interconnected systems: the Comprehensive Online System (core platform connecting the Japan Housing Finance Agency with approximately 600 financial institutions), the Yes NEXT System (cloud-based debt management for regional banks), and the MS NEXT System (cloud-based loan/debt management for mortgage banks handling Flat35 products). These systems form an integrated ecosystem covering mortgage application, approval, financing, and repayment management. The portfolio is complemented by business support services including printer supplies compatible with the housing finance systems and outsourcing services for document output operations.

Differentiator

Problem solved

Functional benefit

Brands

• Yes NEXTシステム: Cloud-based service for housing finance agency credit management and various inquiry functions for regional banks and second-tier regional banks, developed over 20 years of use.
• MS NEXTシステム
• 総合オンラインシステム

Products and services

• Yes NEXT System (Yes NEXTシステム) Cloud-based service providing debt management and various inquiry functions for the Japan Housing Finance Agency, designed to address precise debt management and operational workload reduction. It is a trusted system used by regional banks and second-tier regional banks for over 20 years.
• MS NEXT System (MS NEXTシステム) Cloud-based service for the Japan Housing Finance Agency's Flat 35 and associated mortgage products, targeting mortgage banks. Functions as a core system for loan and debt management operations, compliant with Japan Housing Finance Agency and Consumer Finance Act requirements.
• Comprehensive Online System (総合オンラインシステム) A large-scale core system that manages the entire lifecycle of housing loans from mortgage application and approval through financing and repayment. It connects the Japan Housing Finance Agency with approximately 600 financial institutions nationwide through a network infrastructure.
• ICT Solution Services (ICTソリューション事業) System integration and development services for the housing finance sector covering server and storage selection, network design, OS and middleware installation, application development, package software implementation, system operation, and maintenance for financial institutions and the Japan Housing Finance Agency.
• Business Support Services (ビジネスサポート事業) Business outsourcing services for housing finance institutions, including printer toner and drum cartridge supplies, window envelopes, and delegated document output services for repayment schedules and delinquency notices.

Quantifiable outcome

• Connecting approximately 600 financial institutions nationwide with the Japan Housing Finance Agency

Named customers4 records

Segments2 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core, major and minor.

• 独立行政法人 住宅金融支援機構 (Japan Housing Finance Agency)coreStrategic or Co-development PartnerPrimary strategic partner and core client. HS情報システムズ develops and operates the 総合オンラインシステム (Integrated Online System), a large-scale core system managing mortgage loan screening, financing, and repayment operations for the agency. The company also provides Yes NEXT System and MS NEXT System cloud services to financial institutions connected to the agency. This partnership is foundational to the company's business, established since 1997.
• みずほ銀行・三菱UFJ銀行・三井住友銀行 (Mizuho Bank, Mitsubishi UFJ Bank, Sumitomo Mitsui Banking Corporation)majorChannel Partner/ Reseller/ DistributorPrimary transaction banks listed as key banking partners. These major city banks serve as both banking partners and likely represent major enterprise customers using the company's housing finance systems. They are connected to the Japan Housing Finance Agency through the company's integrated online system.
• 株式会社エイチ・ジイ・エス (HGS - merged entity)minorStrategic or Co-development PartnerMerged with HGS in 2009 as part of corporate growth strategy, expanding the company's capabilities and customer base in the housing finance IT sector.
• Amazon Web Services (AWS)coreTechnology or IntegrationAWS serves as the underlying cloud infrastructure for the company's SaaS offerings, specifically the Yes/MS NEXT System platforms. The company is both a cloud service provider using AWS for its platform infrastructure and has obtained ISMS-CLS certification for cloud services. AWS is certified as the SaaS型 service (SaaS-type service) foundation.

Scale indicators2 records

Recent moves8 records

Expansion highlights4 records

Broad incumbents

• Hitachi: Global Japanese conglomerate with an IT services arm serving financial institutions, government agencies, and large public-sector programs. Comparable as a broad incumbent competing for the same large institutional and government contracts.
• NEC Corporation: Diversified Japanese technology company with substantial government and financial-services system integration businesses. Comparable for the type of large-scale, mission-critical system work HS performs for JHF and the wider Japanese public sector.
• Fujitsu: Major Japanese IT services and systems integrator with established financial-services and public-sector practices. Comparable as a broad incumbent competing for large-scale housing and banking IT modernization contracts across Japan.

Direct peers

• Ricoh IT Solutions: Japanese IT services arm of Ricoh Group with document, workflow, and financial-systems integration capabilities. Comparable as a Japanese SIer serving similar financial-institution customers with document- and operations-heavy system work.
• NTT Data: Japan's largest systems integrator with a deep financial services and government practice that includes housing finance system development. Directly comparable as a Japanese SIer competing for the same institutional and government contracts that HS serves.
• Nihon Unisys: Japanese SIer with established financial-services and government practices, including banking and housing-related system work. Comparable in scale and business model to HS as a Tokyo-based systems integrator.
• SCSK Corporation: Mid-large Japanese SIer (formerly Sumitomo Computer Systems) with strong financial-services and banking system integration practices. Closely comparable in business model as a Japanese SIer serving banks with mission-critical operational systems.
• TIS Inc. Japanese IT services company focused on financial-services system integration and outsourced operations. Comparable as a financial-domain SIer competing for similar bank and credit-association system contracts in Japan.

Emerging players

• Obic (OBC): Specialized Japanese software vendor focused on accounting, payroll, and ERP systems for financial institutions and enterprises. Comparable as a domain-focused B2B financial software company serving Japanese banks and credit associations.
• Mitsubishi Research Institute: Japanese think tank and consulting firm with policy advisory work in housing finance and government digital transformation. Comparable as an adjacent player embedded in the same Japanese housing-finance ecosystem HS serves.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Housing Support Information Systems