Helping diversify revenue streams through solutions for financial institutions

「Building on our track record at banks themselves, we are also accelerating implementation at affiliated card companies and guarantee companies. By transforming the entire group into a platform, we will maximise revenue opportunities and achieve sustainable growth.」

「In the financial sector, the company is rolling out systems that have not yet been introduced, backed by strong, trusted relationships. Proposals that expand the scope of operations, in addition to upgrades to existing systems, are driving sales growth. It is also accelerating deployments to affiliated card companies, leasing companies and guarantee companies by leveraging its track record with banks. By developing a platform for the entire group, it aims to maximize revenue opportunities and achieve sustainable growth.」

「The company has strong market competitiveness because it is the only package vendor able to sell SCOPE, a personal loan operations support system, together with WELCOME, a loan Web application and contracting system that enables operations to be conducted without face-to-face interactions. These systems also help reduce the environmental impact by reducing application forms and digitizing contract documents, while contributing to shorter screening times. In addition, the Web version of the new Servicer TCS (delinquent receivables management system), released in June 2024, is helping capture replacement demand from existing customers.」

「The company has strong market competitiveness because it is the only package vendor able to sell the personal loan operations support system SCOPE together with WELCOME, a loan Web application and contracting system that enables operations to be conducted without face-to-face interactions. In addition to regional banks, it has recently received orders from credit unions. Moreover, the Web version of the new Servicer TCS (delinquent receivables management system), released in June 2024, is helping capture replacement demand from existing customers.」

「In sales activities, centered on financial institutions, we have strong competitive strength in the market because we are the only package vendor able to sell SCOPE, the personal loan operations support system, and WELCOME, the web-based loan application system enabling non-face-to-face operations, as a combined offering, in addition to stable orders for our core delinquent receivables management system. In addition, the web version of our new Servicer TCS system, a delinquent receivables management system released in June 2024, has helped capture replacement demand from existing customers.」

「In sales activities, centered on financial institutions, orders for our core delinquent receivables management system remained stable, while new sales and additional functionality combining SCOPE, the personal loan operations support system, with WELCOME, the web-based loan application system enabling non-face-to-face operations, continued to perform steadily.」

「In sales activities, centered on financial institutions, orders for our core delinquent receivables management system remained stable, while new sales and additional functionality combining SCOPE, the personal loan operations support system, with WELCOME, the web-based loan application system enabling non-face-to-face operations, continued to perform steadily.」

「Sales of Robotic Call, which automates delinquent receivables collection, have been strong, and use has expanded, including through new implementations at major financial institutions.」

「In sales activities, centered on financial institutions, orders for our core delinquent receivables management system remained stable, while sales of the combination of SCOPE, the personal loan operations support system enabling non-face-to-face operations, and WELCOME, the web-based loan application system, continued to perform well.」

「For financial institutions, sales of Robotic Call, which enables unmanned operations, have progressed steadily, and the company has acquired new customers, primarily among non-banks. Sales of the combination of SCOPE, the personal loan operations support system, and WELCOME, the web-based loan application system that enables non-face-to-face operations at regional financial institutions, have also remained strong. By reducing application forms and digitizing contract documents, the solution supports environmental considerations while helping shorten the time required for credit assessment.」

「Sales have remained at the prior-year level due to software development for financial institutions, renewal of infrastructure equipment and implementation of Robotic Call, which automates delinquent receivables collection.」

「Sales have remained strong due to software development for financial institutions, renewal of infrastructure equipment and implementation of Robotic Call, which automates delinquent receivables collection.」

「Centered on financial institutions, in addition to stable orders for our core delinquent receivables management system, sales were strong due to major system renewals for existing customers, proposals combining SCOPE, the personal loan operations support system enabling non-face-to-face operations, with WELCOME, the web-based loan application system, and strong sales of Robotic Call, which automates delinquent receivables collection.」

「In system solutions, demand among financial institutions for non-face-to-face operations has increased further due to the impact of the COVID-19 pandemic. Orders for WELCOME, a web-based loan application system incorporating electronic contracting functionality, and MICS2.0, a personal credit information inquiry system, have remained strong in addition to those for our core personal loan operations support system, SCOPE.」

「In system solutions, demand among financial institutions for non-face-to-face operations has increased further due to the impact of the COVID-19 pandemic. Orders for WELCOME, a web-based loan application system incorporating electronic contracting functionality, and MICS2.0, a personal credit information inquiry system, have remained strong in addition to those for our core personal loan operations support system, SCOPE. Revenue increased from the prior-year period due to the steady response to major system renewals by existing customers and the reliable delivery of orders carried over from the end of the prior fiscal year.」

「In system solutions, demand among financial institutions for non-face-to-face operations has increased due to the impact of the COVID-19 pandemic. Proposals combining our core personal loan operations support system, SCOPE, with WELCOME, a web-based loan application system incorporating electronic contracting functionality, have been well received and contributed to winning orders.」

「Sales of our core personal loan operations support system, SCOPE, have continued to perform well. Proposals combining it with an electronic contract system and a web-based loan application system have been well received and contributed to winning orders.」

「In system solutions, sales of SCOPE, the personal loan operations support system in the Financial Systems business, have continued to be strong. We also upgraded the guarantee and recourse management system for regional-bank-affiliated guarantee companies and won further orders.」

「In system solutions, sales of SCOPE, the personal loan operations support system in the Financial Systems business, have continued to be strong. We also upgraded the guarantee and recourse management system for regional-bank-affiliated guarantee companies and won further orders.」

「In system solutions, sales of SCOPE, the personal loan operations support system in the Financial Systems business, have continued to be strong. We also upgraded the guarantee and recourse management system for regional-bank-affiliated guarantee companies and won additional orders.」

「In system solutions, sales of SCOPE, the personal loan operations support system, and MICS, the personal credit information inquiry system, have been strong in the Financial Systems business. We also upgraded the guarantee and recourse management system for regional-bank-affiliated guarantee companies and won additional orders.」

「In system solutions, within the Financial Systems business, we newly won an order for iRITSpay from a regional bank. Sales of SCOPE, the personal loan operations support system for financial institutions, have continued to perform well, and the company has already achieved its original sales plan.」

「In the Financial Systems business, sales of SCOPE, the personal loan operations support system for financial institutions, have remained steady, including implementation at a regional bank group undergoing industry consolidation. We also won a new order for a self-assessment system, an enhancement to the receivables management system.」

「In system solutions, within the Financial Systems Business Division, sales of SCOPE, the personal loan operations support system for financial institutions, have continued to grow steadily, and we have begun developing a real estate registration support system as a new optional module. For the receivables management system, we have won new orders from major servicers and, from major credit companies and other non-banks, orders for packages including TCS-Web, field collections and e-SMS, as well as a robotic call system serving as a telephone platform that substantially improves collection efficiency.」

「In system solutions, within the Financial Systems Business Division, we completed development of a renewed web-based receivables management system and implemented it at a regional bank. Sales of the SCOPE personal loan operations support system have also been strong, with migration from other vendors progressing as our track record has been recognized, and orders have been strong.」

「In system solutions, we won an order from a non-bank for an enhanced version of SCOPE, a web-based system that completes the process online from personal loan applications on a website through electronic contracting. We also newly won orders from multiple banks for versions of our core comprehensive receivables management system for regional banks and SCOPE adapted for shared-use banks. In addition, the RPA solution for regional banks that we had newly received orders for has entered full-scale operation.」

「In system solutions, orders for SCOPE's external information inquiry module have remained strong, and we have won orders from multiple banks for a large-scale enhanced system that also integrates SCOPE with websites and smartphone applications. In addition, e-SMS has won new orders from the insurance industry and servicers, in addition to its traditional bank and non-bank customers, due to the flexibility of its integration with various packaged systems.」

「As part of these activities, we began selling SCOPE, a total system that we describe as the first of its kind in the industry. It supports applications via the web and tablet devices and centrally manages credit decisions, post-assessment contract management, loan execution and ongoing credit management. We have newly won orders from approximately 20 banks for its external information inquiry module.」

「In system solutions, we won orders from multiple regional banks to implement systems supporting their unsecured loan strategies aimed at expanding retail business, and won a major project from a nationwide financial institution for a total package covering credit assessment through delinquency management.」

「Our core products for financial institutions have been actively marketed, including proposals for fintech-based solutions to diversify revenue sources and improve operating efficiency amid difficult revenue conditions caused by population decline and negative interest rates. As part of these activities, we launched the RITS payment cloud iRITSpay, a system enabling PCI DSS-compliant card payments, and the iRITSpay Terminal payment device, which supports multiple payment methods, including EMV chip cards and contactless IC cards.」

「We have won orders from multiple regional banks for call center systems as they review and rebuild their non-face-to-face channels. We have also won orders from a manufacturer-affiliated credit company, a new customer, for a delinquent receivables system, a credit assessment system and a personal credit information registration system, while continuing to win additional and upgraded system projects from existing major credit companies, internet banks and guarantee companies.」

「We developed and released an integration with tablet devices as an extension of our bank credit assessment system.」

「Our core products for financial institutions have been actively marketed as solutions to help diversify revenue sources and improve operating efficiency amid difficult revenue conditions for financial institutions caused by population decline and negative interest rates.」