Business DX Using AI Screening and Core/Integrated Systems
First written in FY2021. 5 of 8 entries say "Advanced", first in FY2024-Q2. Latest entry: FY2026.
The whole theme swung hardest in 2021: 9 of 48 companies on the "Worse" side.
49 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「Specifically, we will continuously incorporate specialized knowledge through collaboration with our IT advisor and establish a sophisticated management and operating framework capable of supporting future business expansion, while taking thorough measures to ensure safety and reliability. Going forward, based on the DX strategy, a key issue under the new medium-term management plan, we will accelerate the redevelopment of our next-generation core system on the premise of utilizing AI.」
In addition to stabilizing operations after reverting to the legacy system, the redevelopment of the next-generation core system based on AI utilization has been translated into a specific plan, including ¥9,000 million in major upgrades and ¥828 million in hardware renewal. - FY2026-H1Suspension of applications following reversion to the legacy systemAnnual report
「Temporary suspension of new applications and prioritization of receivables collection operations following reversion to the legacy system」
The company states that, while advancing DX initiatives including AI screening and renewal of the core system, new applications were temporarily suspended following reversion to the legacy system. - FY2024AdvancedAnnual report
「Total capital expenditures during the current consolidated fiscal year amounted to ¥2,563 million. …Investment in intangible assets amounted to ¥1,590 million, primarily for development of the core credit system.」
The company invested ¥1,590 million in intangible assets, mainly for development of the core credit system. Renewal of the core credit system was scheduled for completion in June 2024, and the CarPremia app and cloud migration were also planned. - FY2024-Q3AdvancedAnnual report
「As a result of efforts to improve back-office efficiency through the introduction of AI screening, credit transaction volume exceeded the previous year's level.」
The previously planned AI screening was introduced, with back-office efficiency improvements and credit transaction volume exceeding the previous year's level also reported. - FY2024-Q2AdvancedAnnual report
「As a result of efforts to improve back-office efficiency through the introduction of AI screening, credit transaction volume exceeded the previous year's level.」
The previous AI screening and systems investment plan stated that AI screening had been introduced and back-office efficiency improvements implemented. - FY2021First statedAnnual report
「Introduction of automated AI screening 24 0 Internal funds April 2021 October 2021. …Development of integrated group billing and business partner management system 140 7 Internal funds December 2020 April 2022. …Renewal of core credit system 240 27 Internal funds January 2021 October 2023」
For the first time, the company has disclosed a specific DX and systems investment plan, including automated AI screening, integrated group billing and business partner management, and renewal of the core credit system, together with the investment amounts, start dates and scheduled completion dates.