Expansion into Adjacent Areas Around a Core Payments Platform

「The company plans to gradually expand the scope of electronic money use through its 3 products: “Shiharai Hisho” (Payment Secretary), “OEM electronic money” and “local money.”」

「This fiscal year, in anticipation of further growth in smartphone payments, we implemented Apple Pay and Google Pay and added support for several other “Pay” services.」

「As a payments-plus-alpha solution, in December we began providing services through the donation-recruitment platform GrowFunds, jointly developed by three companies: ACCESS GROUP HOLDINGS CO.,LTD. (Securities Code: 7042); Access Nextage, a subsidiary engaged in human-resources solutions and support for educational institutions; and Rinbell Co., Ltd., which plans, produces and sells catalog gift products. The platform helps solve challenges in educational institutions' donation and fundraising activities while expanding the donor base and strengthening donor loyalty.」

「Surutto QRtto, which began service in June 2024, is operating smoothly. In April, it expanded to Hyogo Prefecture and the northern Osaka area, and the number of uses is increasing. The core system Altair Triple Star has also expanded beyond Kansai to areas including Shonan Monorail and JR Hokkaido.」

「We are also pursuing paperless and cashless operations and priority measures such as electronic payments and the transportation industry's IT and MaaS business, with a view to a community-focused fintech platform. We are focusing on expanding the payments-plus-alpha platform through increased use of ekaiin.com, the provision of Shimaeール, and the use of our payment portal and remittance system for the Sapporo Lifestyle Support Premium Vouchers, together with companies providing various functions.」

「For the Sapporo Lifestyle Support Premium Vouchers, we provide a total service through cooperation with companies providing various functions, using our payment portal and remittance system. For the all-in-one cloud service for transportation operators, the server-based digital ticket service using Surutto KANSAI's QR codes, “Surutto QRtto,” began service in June this year, marking the start of its full-scale rollout.」

「We are also pursuing measures centered on paperless and cashless operations, including responding to the era of electronic payments and the transportation industry's IT and MaaS business, with a view to a community-focused fintech platform. We are focusing on expanding the payments-plus-alpha platform through increased use of ekaiin.com, a membership-management DX tool, and the provision of Shimaeール, a new service for issuing and storing electronic invoices.」

「In addition to the services described above, the all-in-one cloud service for transportation operators, whose development and platform provision we have been expanding, is entering a full-scale rollout phase. The digital ticket service using Surutto KANSAI's QR codes has been named “Surutto QRtto,” and the planned launch in June this year has been announced. Meanwhile, for the other large-scale development, electronic money, we continue preparing next-generation services, including system modifications enabling companies to use the system as their own money.」

「We continue to pursue measures centered on paperless and cashless operations, including responding to the era of electronic payments and the transportation industry's IT and MaaS business, with a view to a community-focused fintech platform. We have focused on the payments-plus-alpha platform, including the expanded use of ekaiin.com, a membership-management DX tool, and the provision of Shimaeール, a new service for issuing and storing electronic invoices.」

「We continue to pursue measures centered on paperless and cashless operations, including responding to the era of electronic payments and the transportation industry's IT and MaaS business, with a view to a community-focused fintech platform. We have focused on expanding the payments-plus-alpha platform, including the growing use of ekaiin.com, a membership-management DX service.」

「As announced on 18 November 2022 in the release titled “Commencement of Development of Digital Tickets Using QR Codes,” we were selected as the system partner for services related to QR-code digital tickets scheduled to launch in spring 2024 by the Surutto KANSAI Council, comprising 61 railway and bus operators, primarily in Kansai and including Okayama and Shizuoka.」

「Amid this environment, we have pursued measures aimed at a community-focused fintech platform, promoting priority measures such as responding to the era of electronic payments and the transportation industry's IT and MaaS business. We have focused on a payments-plus-alpha platform, including ekaiin.com, a service that promotes the DX of membership management, whose usage has been steadily expanding. In August 2022, we also opened the Osaka Innovation Lab in response to customer requests for large-scale projects in the Kansai region.」

「We are developing our cloud services, namely Bus Mori!, Altair Triple Star and ekaiin.com, centered on seamless integration with ekaiin.com.」

「We have had payment services adopted by various businesses for more than 30 years, and in January 2022 announced that we would sequentially introduce the smartphone payment applications PayPay, LINE Pay, au Pay and d払い. Going forward, we aim to become a payment gateway that meets the convenience needs of both businesses and consumers.」

「Amid this paradigm shift, we are pursuing priority measures such as responding to the era of electronic payments and promoting the Bus IT Project and MaaS business, with paperless and cashless operations as key themes, while working to provide a community-focused fintech platform.」

「In payments, we developed and released Shiharai Hisho, which connects payment obligations and payments through a smartphone, while promoting expansion into a payments-plus-alpha content platform through in-house development and collaboration with other companies' cloud services.」

「We expect the non-face-to-face payments market, which is our business domain, to continue growing at a certain pace. In paperless operations and payments, we are strengthening collaboration with content platforms and promoting collaboration with our internally developed platform and cloud services such as content providers. We are also working in each region as a partner company responding to demand for converting fixed costs into variable costs under our community-focused fintech promotion strategy.」

「We expect the non-face-to-face payments market, which is our business domain, to continue growing at a certain pace, and are promoting collaboration with cloud services such as content providers in paperless operations and payments.」

「Amid this major paradigm shift, we have continued to pursue the priority measures of responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services, with paperless and digital operations as key themes.」

「We will further promote the digitalization of payments, specifically migration to Shiharai Hisho.」

「We will also build a win-win relationship among the Company, participating businesses and partner collection agencies by promoting the digitalization of payments, specifically by migrating to our smartphone payments service Shiharai Hisho.」

「The operating results for the cumulative period of this quarter, the fourth year of the Medium-Term Five-Year Management Plan (July 2016–June 2021), which promotes the three priority measures of responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services, were as follows:」

「By migrating this product to our smartphone payments service Shiharai Hisho, we will reduce costs for the Company, participating businesses and collection agencies, and build a win-win relationship.」

「Against this backdrop, in August 2016 we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to pursue its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「We have continued to pursue the three priority measures of the Medium-Term Five-Year Management Plan: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to pursue its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to pursue its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「Regarding businesses adopting the service, following Kansai Electric Power, which initially launched the service, Kyushu Electric Power and Hokkaido Electric Power have also started service, and we expect to expand to other electric power companies. We will also begin full-scale efforts to propose and introduce the service to businesses that have already adopted our multi-payment service. Deep integration between our Bus Mori! service and Shiharai Hisho will improve the convenience of Bus Mori! and expand transaction volume for Shiharai Hisho, so we will begin development this fiscal year.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to pursue its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to pursue its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have continued to actively pursue its three priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「In August 2016, we announced the Medium-Term Five-Year Management Plan (July 2016–June 2021), which challenged new business opportunities proactively and boldly. We have been actively pursuing its priority measures: responding to the era of electronic money, promoting the Bus IT Project, and supporting consumer-facing services from the business operator's perspective.」

「To expand our existing business model, we began providing services to AirAsia Japan Co., Ltd., which commenced operations in 2017, and China International Airlines Co., Ltd., widely known as Air China. From April 2017, we also began providing payment services for donations on the Furusato Choice comprehensive hometown tax donation website planned and operated by Trustbank, Inc. From May 2017, we will begin providing services for the internet train reservation services offered by West Japan Railway Company (JR West) and Kyushu Railway Company (JR Kyushu). This service introduction is also a first for the JR passenger railway companies.」

「We will achieve sustained profit growth by making a comfortable and advanced payments platform our core and expanding our business domains into adjacent areas.」