Web Enablement and Cloud Integration of Receivables and Delinquency Management Systems

「We aim to provide collection-related digital transformation services to users across a broad range of fields by newly rolling out a SaaS-based service with the latest functions added to the SMS-plus-convenience-store-payment service, a growing means of contacting customers for collection activities.」

「We aim to provide collection-related digital transformation services to users across a broad range of fields by newly rolling out a SaaS-based service with the latest functions added to the SMS-plus-convenience-store-payment service, a growing means of contacting customers for collection activities.」

「For financial institutions, we are conducting research and development on Agent Hub, a platform that digitizes interactions between law firms and financial institutions in debt restructuring operations, as well as on a next-generation system covering all personal loan operations, from preliminary consultations through the management of compliance with terms. For local governments, system standardization for 20 major operations is mandatory by fiscal 2025, and we are also conducting research and development to bring our principal packaged product, the delinquent tax management system, into compliance with the standardization requirements.」

「In addition, the web version of the new Servicer TCS (delinquent receivables management system), released in June 2024, is helping us capture replacement demand from existing customers」

「While incorporating advanced functions that contribute to DX promotion, the company is advancing R&D on the standard next-generation receivables management system "Servicer TCS Web Version" and a simple PaaS (Platform as a Service)-based personal loan screening system.」

「While incorporating advanced functions that contribute to DX promotion, the company is advancing R&D on the standard next-generation receivables management system "Servicer TCS Web Version" and a simple PaaS (Platform as a Service)-based personal loan screening system.」

「In addition to R&D on the “Servicer TCS Web Version,” which aims to be a standard next-generation receivables management system incorporating advanced functions to achieve DX, we are conducting R&D using blockchain technology. Following the 2022 industry-academia-government collaborative demonstration experiment, in fiscal 2023 we conducted R&D on “Digital Safe,” a regional-contribution digital service designed to make data tampering difficult by digitizing and combining a “safe-deposit box” and an “end-of-life note.”」

「Sales of Robotic Call, which automates delinquent receivables collection calls, have been strong, with new implementations expanding from non-bank financial institutions to rent guarantee companies and the range of industries using the service broadening. In addition, demand for added functions, including the NYUS payment-promise registration service, is leading to expanded business with existing customers.」

「In sales activities during the six-month period ended the second quarter, we focused primarily on financial institutions and, in addition to securing steady orders for our core delinquent receivables management system, renewing large-scale systems for existing customers, selling combinations of SCOPE, a personal loan operations support system that enables non-face-to-face operations, and WELCOME, a web-based loan application system, and selling Robotic Call, which automates delinquent receivables collection calls. As a result, orders received totaled ¥7,877 million (¥9,209 million in the same period of the previous year), while the order backlog stood at ¥14,305 million (¥14,651 million in the same period of the previous year).」

「In addition to steady orders for our core delinquent receivables management system, system renewals for large-scale systems at existing customers」

「Proposals for the non-bank receivables management system that combine the existing functions with the SMS transmission system "e-SMS" and the payment-promise intake service "NYUS" have been well received. The company received an order for "TCS-Web" aimed at improving operational efficiency and making more effective use of personnel.」

「Proposals combining "TCS-Web" for non-bank institutions and "CMS V5" for financial institutions with the SMS transmission system "e-SMS" and the payment-promise intake service "NYUS" continued to perform well in the receivables management system business. The company received an order from a regional bank aimed at improving operational efficiency and making more effective use of personnel by adding the automated call system "Robotic Call."」

「The receivables management system has received orders aimed at improving operational efficiency and making more effective use of personnel by combining "TCS-Web" for non-bank institutions and "CMS V5" for financial institutions with the SMS transmission system "e-SMS," the payment-promise intake service "NYUS," and the automated call system "Robotic Call."」

「The receivables management system has received orders aimed at improving operational efficiency and making more effective use of personnel by combining "TCS-Web," which contributes to more efficient and higher-rate collections, and "CMS V5," which provides centralized receivables management, with "e-SMS" and a robotic call system.」

「The company also received new orders for a self-assessment system that expands the functionality of its receivables management system.」

「The company also received new orders for its receivables management system from a major servicer, as well as from major credit companies and other non-bank institutions for packages including TCS-Web, field collections, e-SMS, and a robotic call system that significantly improves the efficiency of collection operations.」

「In the Financial Systems Division, development of the renewed Web-based receivables management system was completed and the system was introduced at regional banks.」

「In the non-bank sector, the company won new orders from multiple companies for the Web-based TCS receivables management system developed in the previous year.」

「As a result, the company developed a Web-based package for its receivables management system. It also conducted basic research into product development related to its in-store BGM distribution system and R&D on the interoperability of its packaged software using public cloud services.」