Development of Cloud-Based Software and Next-Generation Technologies

「In addition to R&D in these business areas, the company conducted a feasibility study on introducing generative AI into the system development process and continues working to build a development platform.」

「In addition, following the industry-academia-government collaborative demonstration experiment conducted in 2022, the company is pursuing R&D on the community-based digital service "Digital Safe (デジタル金庫)." This service combines a safe-deposit box with an end-of-life planning notebook and uses blockchain technology to prevent data tampering.」

「In addition to R&D aimed at enhancing the functions of existing systems, such as the standard next-generation receivables management system "Servicer TCS Web Version" and the simple PaaS (Platform as a Service)-based personal loan screening system, while incorporating advanced functions that contribute to DX promotion, the company is also advancing R&D on a new platform.」

「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, following the industry-academia-government collaborative demonstration experiment conducted in 2022, it is pursuing R&D on the community-based digital service "Digital Safe (デジタル金庫)." This service combines a safe-deposit box with an end-of-life planning notebook and uses blockchain technology to prevent data tampering.」

「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.”」

「The company is conducting R&D on next-generation IPaC, which is intended to provide sustainable cloud services by combining advanced technology with environmental considerations while balancing convenience and security. It is also conducting R&D to support 3DS 2.0, with the aim of strengthening online payment security, as the introduction of 3DS 2.0 will be mandatory for e-commerce merchants by March 2025 to prevent credit card fraud.」

「(Recurring) The company is conducting R&D on next-generation IPaC and an online payment gateway, among other areas.」

「The company is conducting R&D on next-generation IPaC and an online payment gateway.」

「The total research and development expenses for the consolidated cumulative second quarter were ¥43 million. There were no material changes in the status of the Group's research and development activities during the consolidated cumulative second quarter.」

「The total research and development expenses for the consolidated cumulative third quarter were ¥45 million. There were no material changes in the policy for the Group's research and development activities during the consolidated cumulative third quarter. Research and development activities were conducted to enhance the functions of our packaged software and promote digital transformation in system solutions, improve the operation of municipal services using communication tools while working remotely in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「The total research and development expenses for the consolidated cumulative second quarter were ¥29 million. There were no material changes in the policy for the Group's research and development activities during the consolidated cumulative second quarter. Research and development activities were conducted to enhance the functions of our packaged software and promote digital transformation in system solutions, improve the operation of municipal services using communication tools while working remotely in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「There were no material changes in the policy for the Group's research and development activities during the consolidated cumulative first quarter. Research and development activities were conducted to enhance the functions of our packaged software and promote digital transformation in system solutions, improve the operation of municipal services using communication tools while working remotely in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「In solutions for the distribution and retail sectors, the company began R&D on a smartphone app linking RITS and ITFOREC. In solutions for financial institutions, it began R&D on a Web-based, end-to-end system that enables personal loans to be accepted and contracted without face-to-face interaction.」

「The total research and development expenses for the consolidated cumulative third quarter were ¥38 million. There were no material changes in the status of the Group's research and development activities during the consolidated cumulative third quarter. Research and development activities were conducted to enhance the functions of our packaged software in system solutions, operate municipal services using RPA in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「The total research and development expenses for the consolidated cumulative second quarter were ¥24 million. There were no material changes in the policy for the Group's research and development activities during the consolidated cumulative second quarter. Research and development activities were conducted to enhance the functions of packaged software in system solutions, operate municipal services using RPA in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「The total research and development expenses for the consolidated cumulative first quarter were ¥17 million. There were no material changes in the policy for the Group's research and development activities during the consolidated cumulative first quarter. Research and development activities were conducted to enhance the functions of our packaged software in system solutions, operate municipal services using RPA in service solutions, and expand the fields of application for cloud service platforms and payment terminals in platform solutions.」

「Alongside the use of public clouds, the company also developed products for delivery through its own cloud. As a result, it began offering its own cloud service, "IPaC (アイパック)."」

「The company will also continue developing and providing cloud-based software and systems with reduced upfront costs, an area of strong demand among corporate customers.」

「The company also newly launched the cloud-based digital signage product "Arrow Vision."」

「In response to changes in the market environment, including legislative amendments, and increasingly diverse customer needs, the company will seek to expand sales by accurately identifying these developments and providing proprietary, high-quality packaged software and advanced services. It will also continue strengthening its development structure, including through M&A, in order to maintain high-quality software development. In addition, it will continue developing and providing cloud-based software and systems with reduced upfront costs, an area of strong demand among corporate customers.」