The root cause of the problem is how heavily intertwined the banking system is with bigcos in Japan. It's basically impossible for a small startup that competes

The root cause of the problem is how heavily intertwined the banking system is with bigcos in Japan. It's basically impossible for a small startup that competes with a large keiretsu to get funding, so there's no incentive for bigcos to improve their archaic labour and operational processes, which is why Japan has had the lowest labour productivity among G7 countries for the past few decades. Given how abusive work practices have stifled Japanese birth rates, the problem will eventually be solved by natural selection: either Japan will develop a culture with better work-life balance, or the population will dwindle away to nothing and it will simply cease to exist as a nation.