Joining SMBC (Sumitomo Mitsui Banking Corporation) in 1990, Akio Isowa was engaged in corporate banking, legal affairs, corporate planning, human resources management. He established the Retail Marketing Department and IT Strategy Department as the General Manager and led the debit card business, and the UX project of their internet banking app. As the head of Transaction Business Division, he led product and sales planning for online payment services such as Bank Pay and Cotra. Since 2023, he has been leading digital innovation of the SMBC Group as the Chief Digital Innovation Officer.