Competition with well-capitalized banks and card issuers
First written in FY2016. 3 of 5 entries say "Restated". Latest entry: FY2025.
No other company in this theme has enough history to compare yet.
- FY2025RestatedAnnual report
「We provide a business model under which we make advance payments of rent and other amounts before the tenant's payment due date. In addition, as a rent-guarantee business, we are members of CIC and JICC and have established quantitative and qualitative credit assessment functions based on scoring using the credit information (credit data) held by both organisations and customer attributes, giving us an advantage over competitors.」
We continue to explain the advance-payment model and credit assessment functions using credit information from CIC and JICC as competitive advantages. - FY2023ReframedAnnual report
「In addition, as a rent-guarantee business, we are members of CIC and JICC and have established quantitative and qualitative credit assessment functions based on scoring using the credit information (credit data) held by both organisations and customer attributes, giving us an advantage over competitors.」
The description of competitive risks now positions credit information from CIC and JICC, scoring and credit assessment functions based on customer attributes as competitive advantages. - FY2019RestatedAnnual report
「If well-capitalised banks or credit card issuers establish business models similar to ours in the future, they may compete with us.」
We continue to address the risk of entry and competition from well-capitalised financial businesses by securing major organisations and franchise chains. - FY2017RestatedAnnual report
「If well-capitalised banks or credit card issuers establish business models similar to ours in the future, they may compete with us. We will work to secure major organisations in the real estate leasing industry and major franchise chains, thereby maximising our first-mover advantages.」
We continue to disclose the risk of entry by well-capitalised financial businesses and the response of securing major organisations and franchise chains. - FY2016First statedAnnual report
「If well-capitalised banks or credit card issuers establish business models similar to ours in the future, they may compete with us.」
While working to secure first-mover advantages, the company discloses the possibility of competition from well-capitalised new entrants.