Finatext

Reinvent Finance as a Service

Insurtech Infrastructure Established Public

Overview

Finatext Holdings is a cloud insurance infrastructure provider and fintech company headquartered in Tokyo, Japan, serving insurance carriers and financial institutions across Japan and the Asia-Pacific region. The company builds cloud-native, API-driven platforms that enable digital transformation in insurance and financial services.

Its flagship insurance product, Inspire, is a front-to-end SaaS insurance system covering quoting, application processing, underwriting support, and core operations. Inspire uses a modular, low-code architecture that integrates with legacy systems via open APIs, reducing initial IT implementation costs by over 90% compared to traditional vendor systems and cutting deployment time by a factor of five. A recent enhancement adds an LLM-powered assessment document generation capability built on AWS.

Finatext listed on the Tokyo Stock Exchange Mothers index in December 2021 and had a market capitalization of approximately USD 289M as of early 2026. As of April 2025, Inspire was deployed across 12 insurance providers in Japan, including Nippon Life Insurance Company and Aioi Nissay Dowa Insurance. The company employs 341 people.

Products & Services

Inspire

A front-to-end cloud-based insurance infrastructure system for Japanese insurers. Inspire covers online quoting, application processing, underwriting assessment, and core insurance operations in a packaged SaaS model with modular components that allow partial adoption and custom extensions.

Key Features

Online quoting, application processing, and underwriting assessment
Real-time synchronization with legacy core systems and third-party applications
Open API architecture for ecosystem and external system integration
Reduces initial IT implementation costs by over 90% vs. traditional vendor systems
Approximately 5x faster deployment than traditional core systems
Inspire Assessment Support LLM: AI-powered automatic generation of insurance assessment documents (launched March 2025, built on AWS)

Target Users: Insurance carriers seeking digital transformation of policy operations

Other Products

Key Features

Asukabu: Mobile stock learning and trading platform
Fundect: Mutual fund selection platform
Money Canvas: Digital financial integration platform developed in partnership with Mitsubishi UFJ Bank
Alternative Data Services: Data and analytics services for institutional investors and government agencies

At a Glance

Founded: 2013
Headquarters: Tokyo, Japan
Employees: 201-500
Funding: Public

Category & Focus

Category: Insurtech Infrastructure
Subcategories: Cloud Insurance Platform Core Administration Embedded Insurance
Insurance Verticals: Life & Annuity P&C Personal P&C Commercial
Target Customers: Carriers