Integrated Report

We aim to contribute to the realization of a decarbonized society not only through the field of auto loans, but also through the supply of electric vehicles (EVs). We also provide a combined loan for EVs and V2H (Vehicle-to-Home), which enables the complimentary introduction of EVs and green power supply to homes, and utilize our services to support an eco-friendly lifestyle.
Together with our co-creation partners such as automotive dealers and housebuilders, we strive to contribute to the realization of a decarbonized and circular society.

We are actively expanding into the rapidly growing Southeast Asian market. Leveraging our experience and expertise as a player in the auto loan industry in Japan, we aim to establish a certified used car system that guarantees safety and integrity in Southeast Asia, contributing to the establishment of a circular economy. Moreover, we support the efforts of Southeast Asian countries towards developing an EV market, offering the abundant knowledge in auto loan and network that we have cultivated through our domestic operations.

"Orico Business payment for SME (OBS)" makes it possible to pay invoices by credit card, even if the supplier does not accept card payments. We will continue our relentless efforts to enhance productivity for SMEs by encouraging DX and cashless transitions and making financial services easily accessible and convenient. We will continue to facilitate the growth of SMEs and stimulate regional economic growth through extensive support, including the building of EC sites and the introduction of accounting DX.

Our member site, e-Orico Services, offers web services such as account statements and the option to change payment methods and exchange points. We will persist in our efforts to further evolve e-Orico Services as a platform for digital communication. We are also working to develop "digital cards" that do not require a plastic card to be issued, as well as to employ advanced digital technology to generate new customer experience value in the realm of cashless transactions.

We have established the "Orico Digital Fund" as an investment function and are promoting collaboration with startups and ventures that possess advanced technologies in FinTech and so on. Additionally, we have formed the "Orico Sustainability Fund" with the goal of creating new business opportunities leading to decarbonization and achieving sustainable community development, thereby advancing collaboration with companies that have synergistic potential from an ESG perspective. We will continue to utilize these funds to expand our circle of co-creation partners and generate value over the medium to long term.

As a top company in the auto loans sector, we aim to realize a decarbonized and circular society through the use of digital technology by participating in the Mobility Open Blockchain Initiative (MOBI)*1. Additionally, through collaboration with multiple tech companies to create new customer experience value, we will create new business models by leveraging external capabilities*2.

*1 MOBI: An international non-profit organization that researches business models using blockchain technology in the mobility domain
*2 Capabilities: Organizational strengths or advantages