Responding to Fintech and Digital Technology Innovation
First written in FY2018. 8 of 12 entries say "Restated". Latest entry: FY2024-Q2.
The whole theme swung hardest in 2020: 11 of 20 companies on the "Worse" side.
4 other companies' latest entry also says "Restated".
- FY2024-Q2RestatedAnnual report
「During the cumulative second-quarter consolidated period, there were no significant changes in the matters described in the quarterly report concerning business conditions and financial information that could materially affect investors’ decisions, or in the business risks described in the securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2024-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no material changes or other significant developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2023MitigatedAnnual report
「We began offering the smartphone application "Ｈｕｇｍｅｇ (Hugmeg)," shared by both banks, in December 2021. In fiscal 2022, we added new non-financial functions, including the "Discovering the Attractions of the Region" content providing information on tourism and specialty products in Kumamoto, Kagoshima and Miyazaki, as well as initiatives to promote adoption through collaboration with Kumamoto City's bike-sharing service "Ｃｈａｒｉ Ｃｈａｒｉ (Charichari)."」
The response to digital technological innovation advanced to include non-financial regional services, such as linking the financial application with regional information and bike-sharing services. - FY2023-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no material changes or other significant developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2022-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2021-Q1RestatedAnnual report
「There were no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2020MitigatedAnnual report
「We will also continue working to improve financial services for customers by responding to digital technologies as digital transformation advances, including developing financial applications, supporting open APIs, and adding functions to cashless payment services.」
The response to fintech and digital technological innovation expanded into specific measures, including a financial application, open APIs, and additional cashless payment functions. - FY2020-Q3RestatedAnnual report
「During the third quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2020-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2019MitigatedAnnual report
「We are also working to improve financial services by responding to digital technological innovation accompanying the advancement of fintech, including pilot testing an identity verification application for smartphones.」
Specific measures to respond to fintech and digital technological innovation were presented, including pilot testing a smartphone identity verification application. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risks associated with responding to fintech and digital technological innovation. - FY2018First statedAnnual report
「In addition to competition from Japan Post Bank and other regional financial institutions, the operating environment for financial institutions is becoming increasingly challenging due to factors such as declining investment yields following the introduction of the negative interest rate policy. Financial institutions are also required to respond to digital technological innovation accompanying the advancement of fintech.」
In addition to the conventional competitive and low-interest-rate environment, the advancement of fintech and the need to respond to digital technological innovation were identified for the first time as challenges in the operating environment.