A unique new finance company in Asia

「Against this backdrop, our group has positioned “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core” as the position it aims to achieve in 2030. With “Innovative,” “Digital” and “Global” as the core concepts, we will focus on establishing the “Saison Partner ecosystem” with group companies and business partners toward the transformation into a “comprehensive lifestyle services group,” and aim to create unique value through business synergies among group companies.」

「当社は、2030年に目指す姿として、『GLOBAL NEO FINANCE COMPANY～金融をコアとしたグローバルな総合生活サービスグループ～』を掲げ、「Innovative」「Digital」「Global」を基本コンセプトとした、「総合生活サービスグループ」への転換に向けて、グループや提携先と「セゾン・パートナー経済圏」の確立に注力し、グループ企業間の事業シナジーによる他社にはない価値の創造を目指しております。」

「As the vision for 2030, the Group has set out “GLOBAL NEO FINANCE COMPANY: A Global Comprehensive Lifestyle Services Group Centered on Finance.” With “Innovative,” “Digital” and “Global” as its basic concepts, we are working to transform the Group into a comprehensive lifestyle services group, focusing on establishing the “SAISON Partner Economic Sphere” with Group companies and partners and creating unique value through business synergies among Group companies. In addition, we are working to improve customer satisfaction by resolving all customer concerns in a kind, appropriate and timely manner. In our existing businesses, we are implementing a growth strategy centered on the key policies of “sustainable growth in the payments business,” “stable growth in the finance business” and “strengthening the foundation for sustainable growth in the global business,” with the aim of achieving further growth and expansion.」

「Our group is focusing on establishing the “Saison Partner ecosystem” with group companies and business partners and aims to create unique value through business synergies among group companies, toward the transformation into a “comprehensive lifestyle services group” under the medium-term management vision of “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core,” with “Innovative,” “Digital” and “Global” as the core concepts. In addition, we are working to improve customer satisfaction by resolving all customer problems kindly, appropriately and quickly. In our existing businesses, we are implementing a growth strategy focused on “structural reform of the payments business,” “stable growth in the finance business,” and “scaling up the global business,” with the aim of achieving further growth and expansion.」

「We will focus on establishing the “Saison Partner ecosystem” with group companies and business partners and aim to create unique value through business synergies among group companies, toward the transformation into a “comprehensive lifestyle services group” under the medium-term management vision of “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core,” with “Innovative,” “Digital” and “Global” as the core concepts.」

「Our group is focusing on establishing the “Saison Partner ecosystem” with group companies and business partners and aims to create unique value through business synergies among group companies, toward the transformation into a “comprehensive lifestyle services group” under the medium-term management vision of “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core,” with “Innovative,” “Digital” and “Global” as the core concepts.」

「We formulated a medium-term management plan through the fiscal year ending March 2027, with “GLOBAL NEO FINANCE COMPANY: A global comprehensive lifestyle services group with finance at its core” as our medium-term management vision and “Innovative,” “Digital” and “Global” as the core concepts.」

「Against this backdrop, our group will continue to focus on establishing the “Saison Partner ecosystem” with group companies and business partners and creating unique value through business synergies among group companies, toward the transformation into a “comprehensive lifestyle services group” under the medium-term management vision of “Transforming into a comprehensive lifestyle services group: Achieving customer success by combining physical and digital operations,” with “Innovative,” “Digital” and “Global” as the core concepts.」

「Amid this business environment, our group formulated a medium-term management plan through the fiscal year ending March 2025, with “Transforming into a comprehensive lifestyle services group: Achieving customer success by combining physical and digital operations” as our medium-term management vision and “Innovative,” “Digital” and “Global” as the core concepts. To transform into a “comprehensive lifestyle services group,” we are focusing on establishing the “Saison Partner ecosystem” with group companies and business partners, and aim to create unique value through business synergies among group companies. In our existing businesses, we are implementing a growth strategy focused on “revitalizing the payments business,” “sound growth in the finance business and entry into new business areas,” and “accelerating the expansion of the global business,” with the aim of achieving further growth and expansion.」

「Our group formulated a medium-term management plan through the fiscal year ending March 2025, with “Transforming into a comprehensive lifestyle services group: Achieving customer success by combining physical and digital operations” as our medium-term management vision and “Innovative,” “Digital” and “Global” as the core concepts. To transform into a “comprehensive lifestyle services group,” we are focusing on establishing the “Saison Partner ecosystem” with group companies and business partners, and aim to create unique value through business synergies among group companies.」

「Amid this business environment, based on the core concepts of “Innovative,” “Digital” and “Global,” we aim to transform into a “comprehensive lifestyle services group” that achieves customer success by combining physical and digital operations, while providing services that enable customers to enjoy high-quality, fulfilling lives and evolving into a “lifestyle infrastructure group.” In our existing businesses, we are implementing a management strategy focused on “rebuilding the payments business,” “further expanding the leasing and finance businesses,” and “establishing the operating foundation of the global business as a core earnings driver,” with the aim of achieving further growth and expansion.」

「Amid this business environment, based on the core concepts of “Innovative,” “Digital” and “Global,” we aim to transform into a “comprehensive lifestyle services group” that achieves customer success by combining physical and digital operations, while providing services that enable customers to enjoy high-quality, fulfilling lives and evolving into a “lifestyle infrastructure group.” As one initiative toward becoming a “comprehensive lifestyle services group,” in September 2021 we launched “Saison Living Research,” a website for middle-aged and senior citizens in their 50s and older that provides information to help customers achieve high-quality, fulfilling lives.」

「Amid this business environment, based on the core concepts of “Innovative,” “Digital” and “Global,” we aim to transform into a “comprehensive lifestyle services group” that achieves customer success by combining physical and digital operations, while providing services that enable customers to enjoy high-quality, fulfilling lives and evolving into a “lifestyle infrastructure group.”」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「Amid this business environment, we entered the second year of the medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. We are working on “a growth strategy and structural reform in the payments business,” “digital innovation and the creation of new businesses,” “further expansion of the leasing and finance businesses,” and “expansion of the earnings base for our global business with a view to the future.”」

「Against this backdrop, we formulated a medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement.」

「Against this backdrop, we formulated a medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement.」

「Against this backdrop, we formulated a medium-term management plan through the fiscal year ending March 2022, with “Neo Finance Company in Asia” as our medium-term management vision and “Toward a finance company that walks alongside customers for 50 years: Providing ‘peace of mind’ and ‘aha’ moments about money” as our mission statement. To achieve the plan, we are working to transform into a finance company that provides optimal services for every money-related event in customers’ lives, centered on payment services such as credit and prepaid cards.」

「Against this backdrop, in the final year of the medium-term management plan with “Neo Finance Company in Asia” as our medium-term management vision, and under our management philosophy of being a “service-leading company,” we worked to shift toward an innovative company that can continue responding to changes in customer values and the collapse of existing business models resulting from technological innovation, represented by FinTech, by adding “new strengths,” including the use of advanced technologies, to our “strengths to date.”」

「Against this backdrop, in the final year of the medium-term management plan with “Neo Finance Company in Asia” as our medium-term management vision, and under our management philosophy of being a “service-leading company,” we worked to shift toward an innovative company that can continue responding to changes in customer values and the collapse of existing business models resulting from technological innovation, represented by FinTech, by adding “new strengths,” including the use of advanced technologies, to our “strengths to date.”」

「Against this backdrop, in the final year of the medium-term management plan with “Neo Finance Company in Asia” as our medium-term management vision, and under our management philosophy of being a “service-leading company,” we worked to shift toward an innovative company that can continue responding to changes in customer values and the collapse of existing business models resulting from technological innovation, represented by FinTech, by adding “new strengths,” including the use of advanced technologies, to our “strengths to date.”」

「Against this backdrop, as we enter the final year of the medium-term management plan with “Neo Finance Company in Asia” as our management vision, we will continue working to transform our business model in order to further strengthen our competitiveness in the market.」

「Against this backdrop, we launched in the previous fiscal year a medium-term management plan with “Neo Finance Company in Asia” as our management vision. In the current fiscal year, the second year of the plan, we worked as a group to transform our business model in order to accelerate the pace of growth further.」

「Against this backdrop, we entered the second year of the medium-term management plan with “Neo Finance Company in Asia” as our management vision and, to accelerate the pace of growth further, worked as a group to transform our business model.」

「Against this backdrop, we entered the second year of the medium-term management plan with “Neo Finance Company in Asia” as our management vision and worked to transform our business model to accelerate growth further. Under our management philosophy of being a “service-leading company,” we sought to provide products and services that pursue customer needs and convenience, including pioneering responses to cardless payment schemes such as mobile payments and enhancing the value of “Eternal Points” through the creation of advanced rewards services. We also worked to build a foundation for remaining a growth company over the medium to long term, including by expanding our retail finance business in Asia using the expertise developed in Japan.」

「Against this backdrop, we formulated a medium-term management plan ending in fiscal 2018, with “Neo Finance Company in Asia” as our management vision, to take on the challenge of becoming “a unique new finance company in Asia.”」

「Against this backdrop, we formulated a medium-term management plan ending in fiscal 2018, with “Neo Finance Company in Asia” as our management vision, to take on the challenge of becoming “a unique new finance company in Asia.”」

「Against this backdrop, we formulated a medium-term management plan ending in fiscal 2018, with “Neo Finance Company in Asia” as our management vision, to take on the challenge of becoming “a unique new finance company in Asia.”」

「We have worked to build a foundation for sustainable growth by aiming to become “a unique new finance company in Asia.” In Japan, we seek to secure a competitive advantage in the market by “providing a range of payment services centered on credit cards,” “expanding fee-based businesses by leveraging our online member base,” and “strengthening non-bank businesses, including leasing and finance.” In Asia, we will leverage the expertise we have developed in Japan, including in the card business, installment sales of individual products and loan businesses, to “make a full-scale entry into the retail finance business through collaboration with local companies.”」