In the competitive world of finance, staying ahead requires constant innovation. JACCS Vietnam, a trusted leader in the credit sector, has risen to this challenge by partnering with Kyta Platform to transform its operations. By leveraging our advanced document signing and management tools, JACCS has streamlined its processes, eliminated manual inefficiencies, enhanced security, and ensured compliance with ever-changing regulations.

Our Client

JACCS, one of Japan's oldest and most reputable financial institutions, has firmly established itself as a trusted name in Vietnam’s financial sector. Guided by the core principles of Trust and Reliability, JACCS has successfully expanded its business operations across Asia, becoming a prominent player in Vietnam’s consumer credit loan market.  

​​Specializing in credit services, credit card offerings, and financial operations such as credit guarantees, JACCS is committed to delivering innovative and comprehensive financial solutions that meet the dynamic needs of its customers. Through their diverse services, JACCS aims to enhance the quality of life by offering accessible financial options that empower individuals and contribute to economic growth.

To further optimize its operations, JACCS has partnered with Kyta Platform, underscoring their commitment to leveraging advanced technology to better serve their customers. 

Context/ Challenges

In today’s fast-paced financial landscape, efficiency and customer satisfaction are critical to staying competitive. With an aim to deliver seamless financial solutions, JACCS faces challenges that highlight the urgent need for digital transformation.  

1. Inefficient Manual Processes:

The reliance on manual paperwork for loan agreement, contract signing, and document management leads to lengthy approval times and reduced operational efficiency. Customers often experience delays, negatively impacting their satisfaction and potentially resulting in missed opportunities for JACCS in a highly competitive market.

2. Complex Document Management:

The manual handling of various documents, such  as loan commitments and service registrations, creates organizational challenges. These processes require extensive physical storage, printing, and labor-intensive archiving, driving up operational costs and making document retrieval cumbersome and time-consuming. 

3. Compliance and Security Risks

Traditional methods of managing sensitive documents heighten the risk of human error, data loss, or unauthorized access. This creates challenges in maintaining compliance with evolving data protection regulations and compromises the trust and reliability JACCS is known for.

Addressing these issues by modernizing JACCS’ systems is not just an opportunity - it’s a necessity for the company to maintain its trusted reputation and continue thriving in Vietnam’s evolving financial market.  

Kyta Platform Solution 

JACCS has collaborated with Kyta Platform to tackle operational inefficiencies and embrace modernization. This multifunctional digital solution enables the company to provide seamless, paperless services, enhancing efficiency and customer satisfaction.

Kyta Platform facilitates end-to-end digital document signing and management, covering everything from loan agreements and service registrations to commitments and bilateral contracts. By implementing a comprehensive online signing process, JACCS can now manage the entire lifecycle of digital contracts—from creation and negotiation to signing, authentication, and secure storage. The ability to sign contracts online has eliminated the need for physical meetings and paperwork, offering added convenience for clients and improving service speed.

Key security features include:

• Accurate Identity Verification:

Advanced eKYC, IDCheck, and AI technology ensure accurate identity validation by cross-checking information directly with the Ministry of Public Security’s database.

• Anti-Fraud Authentication: 

Cutting-edge technology prevents document forgery and enhances authentication reliability.

• Legal Assurance: 

Contracts signed on Kyta Platform carry the Ministry of Industry and Trade’s certified green tick, guaranteeing the highest level of legal compliance and security for businesses.

The platform also centralizes management, offering functionalities such as user administration, permissions control, process tracking, and task management. Its robust integration capabilities enable seamless collaboration between departments and efficient communication with customers.

Value Delivered/ Results 

The implementation of Kyta Platform’s solution delivered desirable results for JACCS, transforming their operations and providing several key benefits:

• Instant Signature Tracking: JACCS can now track the signature process in real-time, regardless of where team members or customers are located. The need for physical document transfers and associated delays is eliminated, making workflows faster and more transparent.

• Faster Contract Signing: By digitizing the signing process, what once took days to complete now happens in just a few hours, significantly reducing delays and improving service delivery for customers.

• Cost Savings: The shift to paperless operations has resulted in substantial cost savings, with fewer printed documents, reduced storage needs, and less manual handling. This not only lowers operational costs but also supports sustainability efforts, contributing to both financial and environmental benefits.

• Accelerated Loan Disbursements: The streamlined process has enabled JACCS to disburse nearly 5,000 billion VND in just one year—an impressive result that showcases the power of digital transformation in driving growth and success.

Therefore, Kyta Platform not only positions JACCS at the forefront of digital transformation but also paves the way for future growth in a rapidly changing financial landscape.

Conclusion

This case study illustrates the transformative impact of adopting Kyta Platform—an all-in-one solution for digital document management, secure e-signatures, and comprehensive contract lifecycle management. By transitioning to digital contracts, JACCS significantly enhanced operational efficiency, reduced costs, and streamlined the client experience, all while strengthening its competitive position in the financial services industry.