Improving credit assessment and operational efficiency through the use of proprietary transaction data and AI
First written in FY2026. . Latest entry: FY2026.
No other company in this theme has enough history to compare yet.
- FY2026First statedAnnual report
「Our group recognizes that making maximum use of AI technology, based on the more than 650 million proprietary transaction records accumulated to date, is one of the most important challenges for achieving sustainable growth going forward. Specifically, by using our extensive proprietary data as training data for AI, we will improve the accuracy of fraud detection and customer assessments and optimize the collections process, thereby further improving credit assessment accuracy, reducing the delinquency rate and establishing a competitive advantage that is difficult to replicate.」
The Company has, for the first time, identified as a standalone issue initiatives to use more than 650 million transaction records for AI training to enhance fraud detection, customer assessments and collections, while also aiming to automate business processes and reduce selling, general and administrative expenses. - 2026-06-04First statedGeneral Meetings of Shareholders
「Specifically, by using our vast proprietary data as AI training data, we will improve the accuracy of fraud detection and customer assessment, optimize the collections process, further enhance credit assessment accuracy, reduce the non-payment rate, and establish a competitive advantage that is difficult to replicate.」
The use of AI together with proprietary data to improve fraud detection, customer assessment, collections, credit assessment accuracy, the non-payment rate and selling, general and administrative expenses was presented for the first time as a standalone issue.