Value Creation Story

The strength of our company lies in our ability of credit screening and collection, which is a testament to our accumulated wisdom and trust, and our ability to provide safe, secure, and convenient financial services to a wide range of customers by combining these skills and know-how with AI and other technologies. Since our founding, we have leveraged our strong relationships of trust with member merchants and regional financial institutions to support consumer spending and contribute to Japan's economic growth. To date, we have a history of more than 70 years of helping many customers to realize fullfilling lives by meeting the retail financial needs of individuals. We believe that it is our social mission to continue to provide products and services that are suited to the even more diverse range of consumers and scenes of consumption.

Today, technology has greatly advanced the diversification of payment methods and the use of cashless services. While the convenience of cashless services that enable convenient payments has enriched the busy lives of many people, fraud and financial crimes have become a serious social problem. As a retail financial services company, our most important management task is to enhance customer satisfaction by creating an environment in which customers can enjoy the benefits of cashless services safely and securely and use them more speedily and conveniently than ever before.With the elimination of promissory notes and checks, there is a growing social need for safe, secure, and convenient alternative means of payment. In this environment, it is becoming more important than ever for small and medium-sized enterprises (SMEs), which account for 99% of Japanese companies, to solve issues such as going cashless, increasing sales, improving cash management, and improving operational efficiency. By combining the power of credit with technology, we will respond to these social issues and needs and create a new financial scene.

As socioeconomic conditions become increasingly complex and people's personal values and lifestyles change, the need for a variety of products and services to help customers build a life that is uniquely their own is expected to increase even further. For example, we expect to see an increase in the number of people who value social and global sustainability in their daily consumption behavior, as well as those who value psychological connections with the things they like to do and see to color their lives, especially among Generation Z. In addition, with changes in the social structure, the attributes of customers are expected to diversify, including freelancers, foreign residents, the elderly, single-person households, and start-up businesses. As the needs and attributes of our customers continue to diversify, it is an important mission for us to make financial services that support people's daily lives more convenient for everyone, and it is also essential for enhancing the vitality of society as a whole. To this end, we will pursue further evolution with the power of technology based on our strengths in high credit capability, anticipate changes in customer values and lifestyles, and pursue convenience and added value in our financial services. We will also create new customer experience value so that our customers can open the door to the future and realize a higher grade of fulfilling life.

As climate change and other environmental issues escalate in severity these days, we recognize that contributing to the realization of a sustainable economy is an important social responsibility for our company, which has a presence in markets such as second-hand and reuse. We will not only reduce the environmental impact of mobility and housing, but will also play a role in the transition to a circular economy and the promotion of ethical consumption, and work together with our business partners to realize a recycling-oriented society and decarbonization, and pass on our society to future generations.

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