Sustainability
Contributions to Enhancing Access to Finance
We regard our Contributions to Enhancing Access to Finance as "helping to ensure equality of opportunity by delivering financial services to those who have not had access to financial services that can help them solve their problems and helping them to lead more abundant lifestyles".
Our group has been developing and delivering new businesses, products, and services day and night to provide safe, secure, and convenient financial products and services to a wide range of customers and clients.
We will continue our efforts to help our stakeholders to lead a lifestyle of abundance by contributing to the enhancement of access to finance.
Contributing to Enhancing Access to Finance in International Locations
Collaboration with Honest in Indonesia
Honest is the only Indonesian fintech company with a credit card business license. The company has implemented a smartphone-based application scheme and eKYC, an online identity verification service. It is also the first company in Indonesia to issue virtual cards and numberless cards. The company is an innovator in the field of digital payments and financial services in Indonesia.
The credit card penetration rate in Indonesia by 2022 currently stands at around 5%. Through our investment in Honest, we will contribute to the expansion of credit card usage in Indonesia and help enhance access to finance.
In addition, we will pursue synergies between PT Orico Balimor Finance, our consolidated subsidiary in Indonesia, and Honest in the development of our business in Indonesia to provide safe, secure, and convenient financial services to Indonesian customers and contribute to the development of a sustainable community. PT Orico Balimor Finance and Honest will pursue synergies in their business development in Indonesia.
For more details, please have a look at following links to News Release and the Honest's Web site.
Enhance Access to Finance through Vigorous International Expansion
Our group is vigorously expanding into the fast-growing Asian market and striving to enhance access to finance.
We intend to support the realization of lifestyles of abundance for local communities and contribute to the advancement of society by providing financial services that meet the needs of our customers in a sustainable manner, leveraging the know-how we have cultivated in Japan.
Starting with our presence in Thailand in 2015, we established an auto loan business company in the Philippines in 2019, and in 2021 we acquired an auto loan business company in Indonesia, creating a three-country business network in Asia. We will continue to take on challenges to provide financial services to more people.
Contributing to Enhancing Access to Finance in Japan
Orico Business payment for SME (OBS)
Card payment among businesses in Japan is not yet in full swing. One of the reasons for this is the limited availability of credit card payment services, such as when a buyer wishes to pay by credit card, but the seller does not accept credit card payment. ”OBS", Orico Business Payment for SMEs, is a service that enables card payment even when the seller company does not handle card payment by acting as an intermediary for inter-business settlement as a payment agent.
With the introduction of "OBS", we will help small and medium-sized enterprises solve their management issues, such as improving operational efficiency through cashless transactions, addressing personnel shortages, and improving cash flow.
Using Digital Technology to Enhance Access to Finance
Future-Focused Digital Human Resource Development and AI Model Development Strategy
We place great importance on developing human resources who can effectively utilize digital and data, and have created our own DX human resource development program. In the previous Medium-Term Management Plan, we aimed to develop all employees into DX promotion personnel equipped with basic digital technology knowledge and skills, and by March 2023, more than 3,300 employees had obtained certification. Under our current Medium-Term Management Plan, we intend to train 3,000 generative AI-utilizing human resources over the next three years, outfitting them with basic knowledge and skills in generative AI. In addition, we aim to develop 500 citizen data scientists over the next five years who can analyze data to solve problems.
Further, we issued a press release in March 2025 on the AI credit review model for corporate clients we developed jointly with Money Forward X, Inc., and this model will provide automatic recommendations on terms and conditions for credit-guaranteed loans. We hope that expanding use of this model will help financial institutions streamline screening operations and improve cash flow by swiftly providing funds to SMEs.
Other Initiatives to Contribute to Enhancing Financial Inclusion
In addition to the aforementioned efforts to enhance access to financial products and services, we are working day and night to contribute to the improvement of social inclusion in finance, especially in the area of knowledge.
Specifically, in cooperation with external stakeholders, we conduct various educational and awareness-raising activities related to finance. We are contributing to the improvement of our customers' financial literacy through initiatives aimed at educating the next generation, public lectures on the prevention of multiple debts, and website disclosures of content for new adults.
For details, please refer to the following page
Sustainability
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President’s Message
- President’s Message
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Value Creation Story
- Value Creation Story
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Sustainability Promotion Structures, Materiality, KPI
- Sustainability Promotion Structures, Materiality, KPI
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Sustainability-Oriented Procurement Policy
- Sustainability-Oriented Procurement Policy
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ESG Information
- ESG Information
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Social contribution activities
- Social contribution activities
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ESG Data
- ESG Data
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External Recognition
- External Recognition
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Participation in Initiatives
- Participation in Initiatives
