Financial Education and Industry-Academia-Government Collaboration

In collaboration with Hosei University, we implemented a “social collaboration program” (extracurricular) from February to March 2024. This program aimed to realize one of our important issues (Materiality) (creating new customer experience value that captures the needs of each and every customer) through financial literacy education that utilizes our unique knowledge.The theme of the program was digital innovation and the creation of new services in the financial industry, and it was conducted over a total of six sessions with students from Hosei University utilizing project-based learning. Each team of students was asked to freely design the “ultimate payment service” based on a variety of inputs, and made presentations at Orico’s headquarters in the final session.
Their proposals for new services were inspired by problems near and dear to the students and would bring new value to society, such as the digitization of receipts and the development of an application that would eliminate waiting times for payment at hospitals.
We will continue to make use of a variety of opportunities to develop financial literacy education.

In partnership with ARROWS, Inc., a company that works to solve problems in the education field, we have produced a financial education program as teaching materials for high school classes to support consumer education in the wake of the lowering of the legal age of majority.
The content of the program is to help high school students become more familiar with finance, to proactively face the future planning, and to promote a correct understanding of the means to acquire financing.
This program is provided to high school teachers nationwide through "SENSEI Yononaka-Gaku", a teacher network operated by ARROWS, Inc., with 99% of high schools in Japan registered.

"Commercial Education Consortium Tokyo" is a consortium for providing finance and career education for high school students. It was established by the Tokyo Metropolitan Board of Education in July 2018 as an organization to collaborate with companies and the local community to expand opportunities for students at metropolitan commercial high schools to learn financial insights and business practices on-site and to provide the necessary classroom support for financial and career education.
Companies, non-profit organizations, universities, vocational schools, and local communities/shopping arcades collaborated with the metropolitan commercial high school to expand opportunities for the students to learn business practices including finance and careers in real-world settings.
We support the Consortium's principles. We have been participating from the fiscal year 2018 to 2022, and providing and supporting programs such as financial education.

In December 2021, the “2021 Finance Consumer Education Liaison Meeting”, a meeting organized by the Tokyo Metropolitan Board of Education, took place. Our director and officer participated as a guest speaker.
We conducted online lecture sessions with the aim of providing finance consumer education support to high school students in light of the lowering of the legal age of adulthood. A total of 236 teachers from 192 metropolitan middle schools and high schools attended the session. We expect the teachers to bring the knowledge and information obtained at the session to their schools and introduce these in actual classes and activities, thereby contributing to enhancing financial literacy of students.

Since 2020, we have been conducting financial literacy classes for 5th-grade students at Fujimino City Tsurugaoka Elementary in Saitama Prefecture, teaching the importance of "credit" and "personal information" and providing a basic understanding about credit cards. The classes aim to cultivate financial literacy skills, such as wealth management and payment planning, to prepare students for future credit card usage.

With the lowering of the age of majority by the revision of the Civil Code on April 1, 2022, the age at which one can contract for credit cards, among others, without the consent of a parent or guardian is now 18 years of age or older. On the other hand, young people with limited contracting knowledge and social experience are easy targets for various temptations and malicious traders, and there are concerns about the expansion of consumer damage to those 18 and 19 years of age.

In response to this concern, we have released content on our website, including animations that provide easy-to-understand explanations of the credit card system and precautions for use by new adults and other young adults.

We continue our efforts to prevent consumer victimization among young people, including new adults, and to raise their awareness of the issue.

In January 2025, a lecture on the work of our company's public health nurses and industrial physicians was held for four students and one associate professor from Kyoritsu Women's University of Nursing. Kyoritsu Women's University of Nursing invites public health nurses and industrial physicians working for companies as lecturers, providing students with the opportunity to learn about the actual work content and roles of public health nurses and industrial physicians, with the aim of giving them a concrete idea of what their careers will be like after they enter the workforce. Through this lecture, the students gained a deeper understanding of the work of public health nurses and industrial physicians.

In December 2024, we held a Dementia Supporter Training Course for employees in cooperation with the Chiyoda Ward Home Support Division, Chiyoda Ward Kagayaki Plaza Counseling Center, and Kyoritsu Women's University of Nursing. The course aimed to help employees learn and practice how to respond when an employee or their family member develops dementia, or when they encounter someone with dementia while living in the local community. More than 70 employees from all over the country participated in the course, and a total of 53 employees working at Kojimachi head office building in Chiyoda Ward were certified as Chiyoda Ward Dementia Supporters. Going forward, we will continue to hold Dementia Supporter Training Courses on a regular basis, and employees who have been certified as Dementia Supporters will take on initiatives to support people with dementia in the local community.

In June 2024, we collaborated with emotivE Inc., Kyoritsu Women's University of Nursing, and Funabashi City to hold a seminar on frailty prevention for Funabashi residents. The purpose of the seminar was to deepen Funabashi residents' knowledge on how to live a healthy life, and participants had the opportunity to learn specific information on frailty prevention. We will continue to undertake various initiatives through collaboration with local governments, research institutions, and external companies. This seminar marks our first initiative in industry-academia-government collaboration.

In March 2023, Shibaura Institute of Technology, TOPPAN Edge Corporation, and our company have conducted joint research on web service recognition and UI/UX using eye tracking and brain wave measurement, at which we established a new method to analyze whether users are likely to construct unconscious images (mental models) that trigger their actions when they use services.